- Nationwide has the cheapest car insurance rates in West Virginia for full coverage at $101 a month among the companies analyzed by the team of CarInsurance.com.
- In West Virginia, drivers with clean driving records pay 43% less than drivers with a DUI.
- The city of Triadelphia has the lowest auto insurance rates in West Virginia, with an average premium of $1,798 per year.
- You can save up to 40% per year on your car insurance policy in West Virginia by comparing price quotes from multiple insurers.
The cheapest full coverage car insurance in West Virginia is $101, saving you $66 compared to the average cost of insurance in the state, which is around $167 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in West Virginia, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“Drivers looking to get the cheapest insurance premiums in West Virginia should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
Which company offers the cheapest car insurance rates in West Virginia?
Based on data analysis by CarInsurance.com, Nationwide provides the cheapest full coverage auto insurance rates for West Virginia drivers at a monthly rate of $101 or $1,215 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in West Virginia.
Cheapest car insurance rates in West Virginia per month
| Company | Full coverage monthly rates |
|---|---|
| Nationwide | $101 |
| State Farm | $141 |
| Erie Insurance | $142 |
| Progressive | $152 |
| Westfield Insurance | $176 |
| GEICO | $187 |
| Farmers | $203 |
| Encova | $244 |
| Allstate | $261 |
| USAA* | $99 |
Note: USAA is only available to military community members and their families.
West Virginia drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 7% less than single drivers.
- West Virginia drivers with clean records pay 43% less than drivers who have a DUI on their record.
- West Virginia drivers in their 20s pay 60% lower rates for insurance than a 16-year-old in West Virginia.
- Adding a teen to your policy will cost you 67% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 27% less on their insurance premiums.
- Drivers insured for three or more years can save up to 19% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 5% for this state more on their premiums.
Cheapest West Virginia companies for different coverage levels
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Erie Insurance is the cheapest for a state minimum policy.
- Erie Insurance has the cheapest rates for a liability-only policy (50/100/50).
- Nationwide offers the cheapest car insurance for a full coverage policy (100/300/100) in West Virginia.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest state minimum coverage in West Virginia
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In West Virginia, you must have at least the following insurance coverage on your car.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
Below, you’ll see average annual rates for major insurance providers in West Virginia, ranked from cheapest to most expensive for state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| Erie Insurance | $368 |
| Westfield Insurance | $368 |
| State Farm | $395 |
| Nationwide | $424 |
| GEICO | $578 |
| Farmers | $681 |
| Progressive | $701 |
| Allstate | $774 |
| Encova | $778 |
| USAA* | $270 |
Note: USAA is only available to military community members and their families.
Cheapest insurance providers for liability-only coverage in West Virginia
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in West Virginia, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Erie Insurance | $440 |
| Westfield Insurance | $443 |
| Nationwide | $455 |
| State Farm | $463 |
| GEICO | $678 |
| Farmers | $716 |
| Progressive | $757 |
| Allstate | $837 |
| Encova | $913 |
| USAA* | $325 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance companies in West Virginia for full coverage
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in West Virginia based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| Company | Full coverage annual rates |
|---|---|
| Nationwide | $1,215 |
| State Farm | $1,691 |
| Erie Insurance | $1,709 |
| Progressive | $1,825 |
| Westfield Insurance | $2,111 |
| GEICO | $2,248 |
| Farmers | $2,442 |
| Encova | $2,933 |
| Allstate | $3,132 |
| USAA* | $1,189 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Speak with a friendly agent and get your quote in minutes!
Cheapest car insurance in West Virginia, by driving history
Your driving history affects how much you pay for insurance in West Virginia because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $622 more annually in West Virginia than an individual with a clean driving record.
Cheap car insurance in West Virginia after a speeding ticket
If you have a speeding ticket on your West Virginia driving record and you are looking for cheap car insurance, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,272 per year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,183 | $1,272 | 8% | $90 |
| Nationwide | $980 | $1,360 | 39% | $381 |
| Erie Insurance | $1,252 | $1,368 | 9% | $116 |
| Progressive | $1,596 | $2,027 | 27% | $431 |
| GEICO | $1,131 | $2,499 | 121% | $1,369 |
| Automobile Club of MI (AAA) | $1,904 | $2,537 | 33% | $632 |
| Allstate | $2,410 | $2,687 | 12% | $277 |
| USAA* | $937 | $1,079 | 15% | $141 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance in West Virginia after a DUI conviction
State Farm offers the cheapest car insurance to West Virginia drivers with a DUI conviction at $1,272 per year and Nationwide has the second-cheapest insurance premiums at $1,707 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 43% less than those with a history of DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,183 | $1,272 | 8% | $90 |
| Nationwide | $980 | $1,707 | 74% | $727 |
| Erie Insurance | $1,252 | $1,866 | 49% | $614 |
| Progressive | $1,596 | $2,117 | 33% | $522 |
| GEICO | $1,131 | $2,560 | 126% | $1,429 |
| Allstate | $2,410 | $3,258 | 35% | $848 |
| Automobile Club of MI (AAA) | $1,904 | $5,494 | 188% | $3,590 |
| USAA* | $937 | $1,679 | 79% | $742 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates in West Virginia after an at-fault accident
If you’re a driver with an at-fault accident on your record, State Farm is the cheapest option, offering car insurance at an average cost of $1,362 annually.
Nationwide is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $1,421.
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,183 | $1,362 | 15% | $180 |
| Nationwide | $980 | $1,421 | 45% | $441 |
| Erie Insurance | $1,252 | $1,476 | 18% | $224 |
| Progressive | $1,596 | $2,465 | 54% | $869 |
| GEICO | $1,131 | $2,521 | 123% | $1,391 |
| Automobile Club of MI (AAA) | $1,904 | $2,893 | 52% | $989 |
| Allstate | $2,410 | $3,411 | 42% | $1,001 |
| USAA* | $937 | $1,168 | 25% | $231 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
West Virginia cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Triadelphia is the city with the lowest premiums in West Virginia at an annual auto insurance rate of $1,798.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of West Virginia cities with the lowest car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Triadelphia | $1,798 |
| Valley Grove | $1,805 |
| Tuscarora | $1,807 |
| Martinsburg | $1,807 |
| Wheeling | $1,810 |
| Falling Waters | $1,813 |
| Shepherdstown | $1,814 |
| West Liberty | $1,814 |
| Norborne | $1,818 |
| Shenandoah Junction | $1,820 |
Explore the top 10 factors that influence car insurance rates
Average savings on car insurance in West Virginia
If you compare car insurance quotes, you could enjoy an annual saving of around 40% on a full coverage policy in West Virginia.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in West Virginia: Save on premiums
Car insurance discounts in West Virginia can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in West Virginia.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| Discount type | % difference | $ difference |
|---|---|---|
| Anti-theft device | 2% | $37 |
| Daily commute | 8% | $129 |
| Days advanced purchase | 7% | $132 |
| Education | 8% | $135 |
| Electronic funds transfer | 4% | $109 |
| Electronic signature | 8% | $132 |
| Homeowner | 5% | $98 |
| Lower annual mileage | 5% | $91 |
| Loyalty – years renewal with company | 10% | $149 |
| Marital status | 7% | $150 |
| Multi policy | 7% | $150 |
| Paperless/electornic documents | 3% | $83 |
| Payment type | 10% | $321 |
| Primary use | 13% | $214 |
| Profession | 12% | $198 |
| Safety devices | 2% | $61 |
| Telematics | 13% | $286 |
| Years insured | 17% | $565 |
| Years licensed | 24% | $640 |
Final thoughts on cheap car insurance in West Virginia
Our research shows that Nationwide has the cheapest full coverage car insurance rates in West Virginia for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in West Virginia, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of West Virginia for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
