The type of vehicle you own in West Virginia can make a big difference in how much you pay for car insurance.
Insurers consider more than just make and model when setting rates. They also weigh factors like crash-test ratings, theft rates, safety features and average repair costs, as well as personal factors like your age and driving record.
We have highlighted the vehicles with the lowest insurance premiums and broken them down by make, model and type. Below, you’ll find the cheapest car insurance rates in West Virginia for sedans, SUVs, sports cars, electric vehicles (EVs) and luxury vehicles.
Ranked: The cheapest cars to insure in West Virginia
The Honda HR-V and Honda CR-V are the cheapest vehicles to insure in West Virginia, closely followed by the Chrysler Voyager and Mini Cooper Electric, according to our data analysis.
Below is a list of the cheapest vehicles to insure in West Virginia and their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Honda HR-V | $878 |
| Honda CR-V | $886 |
| Chrysler Voyager | $888 |
| Mini Cooper Electric | $897 |
| Subaru Forester | $904 |
| Hyundai Venue | $916 |
| Volkswagen Taos | $922 |
| Toyota Corolla Cross | $939 |
| Mazda CX-5 | $939 |
| Chevrolet Equinox | $942 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in West Virginia
Auto insurance costs can vary greatly depending on the type of car you drive. Generally speaking, the Van is the cheapest to insure, while the Performance Car is the most expensive.
We’ve reviewed rates for sedans, SUVs, sports cars, electric vehicles and luxury vehicles and identified the cheapest makes and models for each type, along with their average six-month premiums.
Cheapest sedans to insure in West Virginia
Based on our data analysis, the Subaru Legacy is the cheapest sedan to insure, with an average cost of $1,023 for a full coverage car insurance six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
It is followed by the Honda Civic Sedan, which costs $1,048, and the Nissan Versa, which costs $1,051 to insure.
Below, you’ll find the most affordable sedans to insure in West Virginia and their six-month full coverage car insurance premiums.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $1,023 |
| Honda Civic Sedan | $1,048 |
| Nissan Versa | $1,051 |
| Kia Forte | $1,070 |
| Volkswagen Jetta | $1,081 |
| Nissan Sentra | $1,085 |
| Honda Accord | $1,098 |
| Volkswagen Jetta GLI | $1,100 |
| Hyundai Elantra | $1,121 |
| Toyota Camry | $1,132 |
| Toyota Corolla | $1,137 |
| Chevrolet Malibu | $1,156 |
| Mazda 3 Sedan | $1,168 |
| Nissan Altima | $1,186 |
| Hyundai Sonata | $1,195 |
| Kia K5 | $1,209 |
| Mitsubishi Mirage G4 | $1,216 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in West Virginia
The Honda HR-V and Honda CR-V are the cheapest SUVs to insure in West Virginia, with an average cost of $878 and $886 respectively for a six-month full coverage policy. The table below shows how the SUVs compare in terms of insurance rates.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda HR-V | $878 |
| Honda CR-V | $886 |
| Subaru Forester | $904 |
| Volkswagen Taos | $922 |
| Toyota Corolla Cross | $939 |
| Mazda CX-5 | $939 |
| Chevrolet Equinox | $942 |
| Kia Seltos | $945 |
| Kia Sportage | $945 |
| Hyundai Kona | $949 |
| Chevrolet TrailBlazer | $950 |
| Hyundai Tucson | $953 |
| Honda Pilot | $961 |
| Mazda CX-30 | $982 |
| Volkswagen Atlas | $982 |
| Toyota RAV4 | $987 |
| Subaru Crosstrek | $989 |
| Ford Escape | $993 |
| Volkswagen Tiguan | $997 |
| Mini Cooper Countryman | $1,005 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in West Virginia
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Mazda MX-5 Miata stands out as one of the cheapest options on our list, with an average six-month premium of $1,038.
The table below compares car insurance rates for different sports cars in West Virginia
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,038 |
| Honda Civic Si | $1,130 |
| Chevrolet Camaro | $1,241 |
| Subaru WRX | $1,324 |
| Toyota GR86 | $1,353 |
| Ford Mustang | $1,355 |
| Subaru BRZ | $1,367 |
| Honda Civic Type R | $1,443 |
| Toyota GR Supra | $1,549 |
| BMW Z4 | $1,593 |
| Toyota GR Corolla | $1,631 |
| Nissan Z | $1,666 |
| Chevrolet Corvette | $1,669 |
| Porsche 718 Boxster | $1,683 |
| Chevrolet Camaro ZL1 | $1,729 |
| Porsche 718 Cayman | $1,788 |
| Jaguar F-Type | $2,154 |
| Chevrolet Corvette Z06 | $2,267 |
| Porsche 911 | $2,319 |
| Porsche 911 GT3 | $2,380 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in West Virginia
Luxury vehicles typically have higher insurance costs than other types due to their premium features and advanced technology. These features make repairs and replacements significantly more expensive compared to compact crossovers like the Honda CR-V, Honda HR-V, or Volkswagen Tiguan.
With an average six-month full coverage premium of $1,020, the Acura RDX ranks as the most affordable luxury car to insure, followed closely by Alfa-Romeo Tonale at $1,075 and the BMW X1 at $1,096.
The following table shows average premiums for various luxury vehicles, based on a six-month full coverage policy with limits of 100/300/100 and $500 deductibles for collision and comprehensive coverage.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $1,020 |
| Alfa-Romeo Tonale | $1,075 |
| BMW X1 | $1,096 |
| Lincoln Corsair | $1,107 |
| Acura MDX | $1,110 |
| Mercedes-Benz GLA-Class | $1,110 |
| Cadillac XT4 | $1,130 |
| Volvo XC40 | $1,154 |
| Cadillac XT5 | $1,154 |
| Audi Q3 | $1,164 |
| Mercedes-Benz GLB-Class | $1,172 |
| BMW X3 | $1,194 |
| Land Rover Discovery Sport | $1,201 |
| Jaguar E-Pace | $1,222 |
| Lincoln Aviator | $1,228 |
| Acura Integra | $1,231 |
| BMW X2 | $1,232 |
| Lexus RX | $1,233 |
| Lexus TX | $1,244 |
| Volvo XC60 | $1,258 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in West Virginia
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $2,822 annually, which breaks down to $235 monthly.
The table below highlights the most affordable EVs to insure in West Virginia, including their average six-month full coverage premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $897 |
| Kia Niro EV | $974 |
| Hyundai Kona Electric | $975 |
| Volkswagen ID.4 | $987 |
| Nissan Leaf | $1,076 |
| Subaru Solterra | $1,114 |
| Chevrolet Blazer EV | $1,128 |
| Hyundai Ioniq 5 | $1,155 |
| Chevrolet Silverado EV | $1,168 |
| Toyota bZ4X | $1,194 |
| Ford Mustang Mach-E | $1,204 |
| Hyundai Ioniq 6 | $1,228 |
| Kia EV6 | $1,232 |
| Audi Q4 e-tron | $1,234 |
| Volvo XC40 Recharge | $1,241 |
| Ford F-150 Lightning | $1,245 |
| Cadillac LYRIQ | $1,260 |
| Kia EV9 | $1,289 |
| Mercedes-Benz EQB | $1,304 |
| Polestar 2 | $1,308 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in West Virginia
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $2,804 to insure a Mini Cooper Electric, while insuring a Honda HR-V costs $2,813 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
The car you drive significantly influences your insurance costs, but other factors, such as your driving history, where you live, and the type of coverage you choose, also play a big part in determining your car insurance premium. This guide can help you find a car that fits your lifestyle and helps you keep insurance costs in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in West Virginia?
While electric vehicles often carry higher insurance rates than gas-powered cars, certain models stand out as more affordable when compared to their gas-engine counterparts.
For instance, it would cost you $897 for a six-month full coverage policy to insure the Mini Cooper Electric, and you can expect to pay an average of $974 for the Kia Niro EV for the same coverage.
Which SUVs are the cheapest to insure in West Virginia?
The Honda HR-V is one of the cheapest SUVs to insure in West Virginia, with an average cost of $878 for a six-month car insurance plan. The Honda CR-V and Subaru Forester also come with relatively low insurance premiums.
What are the cheapest cars to insure for teen drivers in West Virginia?
The Mini Cooper Electric, Honda HR-V, Honda CR-V and Subaru Forester are some of the cheapest cars to insure for an 18-year-old driver in West Virginia. On the other hand, Mercedes-AMG EQS, Maserati Quattroporte and Maserati Ghibli are the most expensive vehicles to insure for a young driver.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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