Cheapest Insurance in West Virginia 2021

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Although West Virginia is still considered a fairly rural state, poor infrastructure and high rates of drug use increase insurance costs.
The best way to get cheap car insurance is to compare quotes and carriers. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another, even within the same state.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in West Virginia. If you want to learn more about West Virginia’s car insurance rates, then read on.
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Here’s how much real Jerry customers saved in West Virginia when they compared and switched.
Quote DateMake/modelcityAgeCarrierCoverage Type
Before Jerry
After Jerry
April 4, 2021Hyundai Sonata GLSMartinsburg49State AutoPreferred$185/mo.$116/mo.
March 14, 2021Chevrolet Equinox LTMartinsburg52NationwideCustom$193/mo.$141/mo.
January 31, 2021Mini CooperMartinsburg50SafecoCustom$225/mo.$147/mo.
April 5, 2021Hyundai Sonata GLSMartinsburg49ProgressiveCustom$185/mo.$155/mo.

Cheapest minimum coverage car insurance in West Virginia

In West Virginia, people are required to have the following minimum coverages:
  • $[20,000] bodily injury liability per person
  • $[40,000] bodily injury liability per accident
  • $[10,000] property damage liability per accident
You’re also required to carry uninsured motorist coverage in West Virginia:
  • $20,000 for bodily injury to one person
  • $40,000 for bodily injury to multiple people in one accident
  • $10,000 for damage to property in one accident
Failing to meet the required minimums while driving in West Virginia is illegal. If you get caught, you could be subject to license suspension, fines, and vehicle impoundment.
Remember, the minimum insurance coverage is a requirement, not a recommendation. It’s illegal to drive without the coverage described above!
Be aware that, in some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
First, let’s go over how much Jerry users pay for minimum liability car insurance in West Virginia:
Before Jerry
After Jerry
$2,317$1,327
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Additional coverages you might want to consider when shopping for car insurance in West Virginia

Risk factorCoverage to consider
Uninsured driversUninsured motorist protection helps cover any damages incurred as a result of an accident with a driver who doesn’t carry insurance.
High collision riskIf you get into an accident with another vehicle, collision insurance will cover repair costs for your car.
Roadside assistanceWest Virginia is home to plenty of rural roads, meaning you’re more likely to break down far away from home. Roadside assistance will cover your towing and other expenses associated with a breakdown.
West Virginia is generally an affordable place to drive, but it does present risks due to its road quality and traffic fatality statistics. Before purchasing car insurance, make sure you consider additional coverage to protect you and your passengers from unexpected costs.

Best carriers for minimum coverage car insurance in West Virginia

Driving without insurance in West Virginia comes with some big penalties. If you’re caught, you’ll be subject to fines, suspension of your license and registration, and even potential imprisonment.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in West Virginia:
Insurance Company
Before Jerry
After Jerry
Nationwide$1,584$756
Allstate$1,764$784
Progressive$2,342$1,356

Cheapest full coverage car insurance in West Virginia

Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing less in the long run).
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$2,506$1,778
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Best carriers for full coverage car insurance in West Virginia

Comparing premiums from multiple companies is the best way to ensure that you’re getting the best price for the coverage you need.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in West Virginia:
Insurance Company
Before Jerry
After Jerry
State Auto$2,220$1,476
Nationwide$2,629$1,824
Safeco$2,175$1,848
While minimum liability coverage and uninsured driver coverage are enough to let you drive legally in West Virginia, full coverage offers stronger protection and can provide peace of mind.

Cost to insure your car in West Virginia by age

Insurers value driving experience. The younger you are, the less experience you have, which will likely be reflected in higher insurance premiums.
If you’re a young driver in West Virginia, here’s what you need to know.
While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record. No matter your age—whether you live in rural West Virginia or move to a city like Charleston or Huntington—should start by quote shopping with Jerry.
Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
18-20$3,486$2,488
21-24$2,762$1,756
25-34$2,254$1,478
35-44$2,310$1,291
45-54$2,267$1,407
55-64$2,289$1,323
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Cost of insurance for drivers in West Virginia with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
West Virginia’s lookback period is ten years. If you commit another violation within that period, it will be considered a second offense and you’ll be hit with more serious penalties.
But there’s good news! Jerry can help West Virginia drivers find great car insurance even with a blemish on their driving record.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,596$1,721
Illegal Turn$3,684$1,164
Careless Driving$2,200$1,335
Improper Passing$1,497$1,416
Failure to Obey Traffic Sign$2,637$1,447
Defective Equipment$2,676$1,592
Speeding over 15$1,920$1,678
Speeding under 15$2,941$1,853
DUI$3,600$2,514
Other$2,392$1,874

Best carriers for drivers with infractions in West Virginia

Insurance Company
Before Jerry
After Jerry
Allstate$3,414$1,423
Nationwide$2,312$1,471
Progressive$2,497$1,632
State Auto$2,196$1,666
Safeco$3,061$2,352
The price you pay for car insurance is influenced by your age and your driving record. Safe drivers typically get lower rates, but it’s still possible to find affordable insurance in West Virginia if you have a traffic violation on your record.
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Cost of insurance for young drivers in West Virginia with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
As a young driver, a minor violation can significantly impact your car insurance rates for years to come. Some offenses stay on your record for many years—way past the time you’d be considered a ‘young driver.’
Fortunately, Jerry can help young drivers in West Virginia with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,158$2,032
Failure to Obey Traffic Sign$3,000$1,677
Speeding under 15$3,177$2,055
Careless Driving$3,840$2,600
Other$6,252$4,904
If you’re looking for the most affordable insurance for a young driver with a poor driving record in West Virginia, check out these top carriers.

Best carriers for young drivers with infractions in West Virginia

Insurance Company
Before Jerry
After Jerry
Nationwide$2,617$1,491
Allstate$3,636$1,562
State Auto$1,890$1,592
Progressive$3,292$1,953
Safeco$3,567$2,881
Young drivers are considered high risk by insurance companies. A moving violation increases this perception.
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Types of discounts that might be available to you in West Virginia

What additional discounts are available?
Never underestimate a good discount. If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in West Virginia. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
Discount typeWho is eligible?
Paperless billing and automatic paymentsEnroll in paperless billing and you could qualify for a discount between 2 and 25%.
Good student discountsWest Virginia drivers who have been accident-free for several years can usually get a “safe driver” discount. If you’ve never had a crash or a speeding ticket, ask about this discount.
Driver education discountsOlder drivers who refresh their driving knowledge can get a 5-10% discount on their premium. Ask your insurance company about approved courses. Usually, it’s as simple as taking an online course.
Bundling your policiesGet your car and home policies from the same company and you could enjoy a reduced premium.
Telematics discountsMany companies offer customers a free telematics device that tracks driving behavior. It plugs into your vehicle and reports back on your starts, stops, and speeding. Safe drivers become eligible for a discount, and there’s often a discount simply for enrolling.
So, how do you know which discounts you can actually benefit from?
Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium—often, more than one!—but you may need to ask your insurance company which ones you qualify for.

How much does it cost to insure my car make in West Virginia?

The most popular car in West Virginia is the Ford F-Series pickup. The Ford Focus and the Honda Accord are also popular picks. These vehicles tend to be affordable with fair fuel economy and average insurance costs.
If you drive a relatively inexpensive car, you can generally expect to pay lower insurance premiums. This is because it will cost less to repair or replace a common car than a rare and expensive vehicle.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident. Usage-based car insurance policies reward these drivers with discounts.
Here’s what you can expect to pay to insure some popular car makes/models with and without Jerry:
Make / model
Before Jerry
After Jerry
Chevrolet Spark LS$1,332$948
Chevrolet Tahoe K1500$1,764$900
Dodge Nitro SLT$2,700$1,512
Ford Ranger$1,728$1,392
Honda Cr-V EX$1,440$744
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Cheapest car insurance in West Virginia by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
West Virginia’s urban centers may offer exciting activities, but they’re also hotspots for traffic accidents. In rural areas, speeding is also a leading cause of fatal accidents.
The good news is that traffic fatality rates are slowly but steadily decreasing across West Virginia, even though current rates are still high above the national average.
Here are the cheapest car insurance rates in West Virginia by city:

Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium—but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Want to find out if you’re overpaying? Let Jerry do the work for you.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.

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