You can find the cheapest full-coverage car insurance in West Virginia for $101 a month from Nationwide. It saves you $66 compared to the state average car insurance cost of $167 monthly.
Shopping for car insurance in West Virginia can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“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.
- According to recent data, Nationwide offers the cheapest full coverage car insurance in West Virginia at $101 per month.
- West Virginia drivers with a clean driving record pay 43% less for car insurance than drivers with a DUI.
- In West Virginia, the city of Triadelphia has the most affordable car insurance rates at $1,798 annually.
- Comparing price quotes from multiple insurers can help you save up to 40% per year on your car insurance policy in West Virginia.
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 includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in West Virginia by different insurance carriers for a full coverage policy.
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.
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Who pays the lowest auto insurance premiums in West Virginia?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- 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.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
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 coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest companies for state minimum coverage in West Virginia
West Virginia requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| 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 are the average annual rates from major insurance companies in West Virginia, ranked from cheapest to the most expensive for the 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 liability-only coverage in West Virginia
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in West Virginia, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $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
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
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
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.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In West Virginia, drivers with a history of such violations typically pay $622 more annually than drivers with clean records.
Cheap car insurance in West Virginia after a speeding ticket
If you’ve got a speeding ticket on your West Virginia driving record and need affordable car insurance, State Farm might be the answer. With an average annual rate of $1,272 , State Farm offers the cheapest full coverage auto insurance options for drivers with speeding tickets in West Virginia.
| 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.
Cheap car insurance rates after a DUI conviction in West Virginia
West Virginia drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,272 a year, followed by Nationwide with an annual premium of $1,707 annually, 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 companies in West Virginia after an at-fault accident
State Farm is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,362 .
Nationwide is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,421 .
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| 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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Cities with the lowest auto insurance rates in West Virginia
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
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.
The table below shows a list of cities in West Virginia with the most affordable 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 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on auto insurance in West Virginia?
By comparing car insurance quotes, you can save an average of 40% per year for a full coverage policy in West Virginia.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in West Virginia: Save on premiums
In West Virginia, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in West Virginia below.
| 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
Based on our research, if you are a good driver, Nationwide is the cheapest in West Virginia for a full coverage policy.
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.
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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of West Virginia