Car Insurance in West Virginia

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Looking for cheap car insurance in West Virginia?

States with many rural country roads usually have lower car insurance rates—but West Virginia is an exception. High crime rates and poorly maintained roadways mean that cheap car insurance can be challenging to come by in the Mountain State.
West Virginia drivers already have some challenging road conditions to contend with, so why pay more for your insurance than you have to? Different providers use different formulas to calculate your rates, and Jerry takes all of the legwork out of shopping around for insurance.
Once you choose from a list of quotes from top insurance providers, Jerry will automatically take care of the switchover so that you don’t have to. No long forms, no calling around, no hard work—just savings.
The average Jerry user saves $879 per year on car insurance, and Jerry is free to use!
From Charleston to Martinsburg, here are some real quotes from customers in West Virginia who saved money with Jerry:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
April 27, 2021Chevrolet LuminaSalt Rock50Safeco$96/mo.$68/mo.
August 29, 2021Chevrolet Sonic LTBuffalo38State Auto$127/mo.$69/mo.
April 16, 2021Saab 9-5 2.3TPrinceton26Progressive$133/mo.$81/mo.
October 11, 2021Kia Rio LXDaniels28Allstate$222/mo.$181/mo.
July 18, 2021Ford Focus SEMartinsburg29Progressive$298/mo.$207/mo.
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How much does car insurance cost in West Virginia?

The average cost of liability-only car insurance in West Virginia is $1,776 per year. If you prefer to buy full coverage car insurance in West Virginia, you can expect to pay an average cost of $2,360 per year.

How does the annual cost in West Virginia compare to the rest of the country?

To put this into perspective, the nationwide average is $1,764 per year for liability-only car insurance and $2,486 per year for full-coverage car insurance.
Why is insurance so expensive in West Virginia? Here are the top reasons:
  • High crime rates
  • Poorly maintained roads
  • High number of uninsured drivers
  • Severe weather and risk of natural disasters
Here’s how West Virginia’s insurance savings stack up against nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
WV$2,147$1,418$2,150$986$2,449$1,787
National Average$2,491$1,672$2,359$1,390$2,763$1,962
WVNational Average
All Coverage Before Jerry
$2,147$2,491
All Coverage After Jerry
$1,418$1,672
Minimum Coverage Before Jerry
$2,150$2,359
Minimum Coverage After Jerry
$986$1,390
Full Coverage Before Jerry
$2,449$2,763
Full Coverage After Jerry
$1,787$1,962
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Top auto insurance providers in West Virginia

There is a wide range of insurance carriers to choose from in West Virginia, including top companies like Nationwide, State Farm, GEICO, and Erie.
If you get quotes in West Virginia for the same car from multiple carriers, you’ll end up with a variety of rates. That’s because each carrier uses its own formula to determine the risk presented by drivers.
There are many factors that are used to determine your risk profile. Some of the most common include your age, your driving record, and yes, your location.
For example, in West Virginia, one carrier may see a lot of claims for car theft and vandalism in your specific geographic area, leading to higher rates for all drivers in that area.
Here are some of the deals that Jerry customers have found on car insurance with popular carriers in West Virginia:
Insurance Company
Average Cost
Annual Savings with Jerry
Allstate$2,851$1,298Compare Prices
Nationwide$2,299$850Compare Prices
State Auto$2,769$821Compare Prices
Safeco$2,935$768Compare Prices
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What car insurance do you need in West Virginia?

West Virginia drivers are legally required to carry car insurance with at least the following coverage levels:
CoverageAmountDescription
Bodily injury liability$25,000 per person / $50,000 per accidentHelps cover any medical bills or other costs associated with injuries you cause to others
Property damage liability$25,000 per accidentHelps covers the cost associated with damages you cause to vehicles or property that belong to other people
Uninsured motorist bodily injury$25,000 per person / $50,000 per accidentHelps cover medical bills and other costs resulting from an accident caused by an uninsured driver
Uninsured motorist property damage$20,000 per accidentHelps cover the costs of property damage resulting from an accident caused by an uninsured driver
West Virginia requires drivers to have car insurance so they can assume financial responsibility for injuries and damages in the event of a collision.
If you let your coverage lapse, or if you fail to buy car insurance altogether, potential consequences include:
  • An expensive ticket
  • A driver’s license suspension
  • A towed and impounded car
  • A lack of financial protection if you get into an accident
While you may think having the minimum required liability coverage in West Virginia is sufficient, there’s no guarantee that it will cover all the expenses associated with an accident. If you can afford to buy more coverage, then you should.
Here are some additional types of coverage that would benefit drivers in West Virginia:
CoverageDescription
Collision coverageHelps cover any damages to your vehicle if you get into a collision with someone else’s vehicle or another object
Comprehensive coverageHelps cover damage to your car from something other than a collision, such as contact with animals, natural disasters, fire, vandalism, or theft
No matter what kind of coverage you’re looking for, Jerry can help you save money on your auto insurance.
Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even help cancel your old policy.
And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal.

How is your cost of car insurance determined in West Virginia?

Car insurance carriers take many factors into account when setting premiums, such as your age, driving record, zip code, and the type of vehicle you drive.

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, you probably won’t enjoy the same low rates as your parents, but you can still get cheap car insurance quotes by shopping around, looking for discounts, and maintaining a clean driving record.
No matter your age, you should start by quote shopping with Jerry.
Here are the prices Jerry can find for drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$3,049$942
21-24$2,710$978
25-34$2,383$900
35-44$2,178$946
45-54$2,450$806
55-64$1,977$590
65+$1,200$408
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Cost to insure your car in West Virginia with a poor driving record

Drivers who have an accident, speeding ticket, or DUI on their record 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
Average Cost
Annual Savings with Jerry
Clean Record$2,628$876
Failure to Obey Traffic Sign$3,510$1,831
Careless Driving$3,334$1,751
DUI$3,320$1,319
Speeding under 15$3,057$1,160
Defective Equipment$2,676$1,084
Leaving scene of an Accident/Hit and Run$1,716$808
Speeding over 15$1,920$242
Other$2,851$869
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Cost to insure your car in West Virginia based on where you live

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:
City
Average Cost
Annual Savings with Jerry
Beckley$2,463$1,144
Bluefield$2,447$733
Charleston$2,431$836
Fairmont$1,860$624
Huntington$2,377$830
Martinsburg$2,438$854
Morgantown$2,451$866
Parkersburg$2,695$776
Princeton$1,703$482
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Cost to insure your car in West Virginia based on the type of car you drive

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 need to insure something a little fancier, like an Infiniti Q50 or BMW 3-series, expect higher premiums.
Here’s what you can expect to pay to insure some popular car makes/models with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Toyota 4Runner SR5$2,040$980
Dodge Dart SXT$2,893$937
Chevrolet Tahoe K1500$1,764$935
Nissan Juke S$1,476$584
Ford F150$2,448$503
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How to save money on car insurance in West Virginia

No matter where you live in West Virginia, there are some steps you can take to lower the cost of your car insurance without skimping on coverage.

Shop around for quotes

The best way to find savings on your car insurance is to compare quotes from several insurance companies. Want to find out if you’re overpaying? Let Jerry do the work for you.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Answer just a few easy questions and let Jerry handle all the hard work for you—from collecting quotes to helping you cancel your old policy.
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.

Look for discounts

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:
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.
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.

Increase 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.

Registering your car in West Virginia

If you want to register a car in West Virginia, you need to have the following paperwork prepared:
  • A driver’s license or ID card
  • Proof of insurance
  • Proof of sales tax payment
  • A car title or signed lease agreement
  • Proof of a safety inspection
  • Proof of a smog test, depending on the age of the vehicle
Once you have the paperwork, head to the DMV. It’s usually best to make an appointment first.
At the DMV, you’ll have to fill out a registration form that asks for some personal details as well as information about your vehicle.

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