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Cheapest Car Insurance in West Virginia (Sep 2024)
Cheapest Car Insurance in West Virginia (Sep 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in West Virginia.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance quotes in West Virginia
- Cheapest car insurance companies in West Virginia
- West Virginia Car Insurance Coverage Requirements
- How different factors impact the average cost of car insurance in West Virginia
- How to lower car insurance costs in West Virginia
- FAQs
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance quotes in West Virginia
Car insurance
rates in West Virginia vary among drivers due to their diverse profiles. No single insurance company can guarantee everyone the absolute best car insurance rateTo find the best coverage for your situation, shop around and compare options.
Jerry
has a track record of assisting West Virginia drivers who need affordable car insurance.| Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Progressive | $166 | Etta, 38 | Nissan Rogue S | • 100,000/300,000 Liability • Comp / Collision |
| AAA | $258 | Jerome, 37 | KIA Soul | • 50,000/100,000 Liability • Comp / Collision |
| Mercury | $111 | David, 29 | Chevrolet Cruze LT | • State Minimum Liability • Comp / Collision |
| State Auto | $91 | Fred, 60 | Mitsubishi Mirage G4 ES | • 50,000/100,000 Liability • Comp / Collision |
Gainsco | $275 | Patrick, 65 | Mitsubishi Outlander SE | • 30,000/60,000 Liability • Comp / Collision |
Last Updated Sep 15, 2024Cheapest car insurance companies in West Virginia
We’ve performed a major survey to gather facts about car insurance costs in West Virginia. From factors that will cause rate increases to clever ways to cut costs, we have the ultimate guide to saving you money on car insurance.
Here’s the most important finding: no single company can guarantee the cheapest
car insurance quotes
for every West Virginia driver. Companies and drivers are too unique!But the data reveals some trends about which companies tend to offer the best rates.
State Farm and Westfield offer the lowest rates for the average driver in West Virginia. Erie, USAA, and GEICO all offer rates that tend to be below the state average. Allstate, Nationwide, and Progressive also offer insurance here, but their prices tend to be higher than average.
Let’s turn to real West Virginia drivers for reviews of these auto insurance companies.
| Insurance company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| State Farm | September 8, 2024 | 4 | "Transferred policy to West coast very expensive " -Derrick |
| AAA | September 5, 2024 | 5 | "Root makes finding car insurance simple. You set up a plan that works for you and you’re insured that same day! And t...(read more)" -Edward |
| Mapfre | September 5, 2024 | 5 | "Great response and replies to inquiries and class m questions " -Amy |
| Dairyland | September 5, 2024 | 5 | "I bought car insurance from Dairyland this month. They seem great so far. " -Violet |
| Progressive | September 2, 2024 | 5 | "I checked all around for the best rates & Progressive had the best, by far. " -Harriett |
Last Updated Sep 8, 2024
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
One of the most challenging parts of finding a policy is comparing coverage options and costs. Try a comparison app like Jerry to simplify your car insurance shopping experience.
With Jerry's intuitive app, you can bypass the need to open multiple tabs and extensively research minimum coverage requirements. Jerry’s user-friendly platform provides dedicated support specifically tailored for West Virginia drivers, empowering you to confidently make informed insurance decisions.
Minimum liability and full coverage insurance requirements
Every driver in West Virginia is required by law to carry minimum liability coverage with at least 25/50/25 coverage. This includes property damage liability coverage and bodily injury liability protection.
There are no other mandatory coverages in West Virginia.
Cheapest minimum liability coverage car insurance quotes in West Virginia
What does 25/50/25 mean? Here’s a breakdown of the car insurance requirements for liability in West Virginia:
- $25,000 per person of bodily injury liability coverage
- $50,000 per accident of bodily injury liability coverage
- $25,000 per accident of property damage liability
Drivers must also purchase West Virginia’s uninsured motorist coverage with the same limits as for bodily injury liability.
No driver is exempt from this requirement under state law.
Jerry has helped drivers in West Virginia find minimum liability insurance.
Curtis (30 years old)
$219
per month
Do you need more than minimum coverage in West Virginia?
If you can only afford the minimum coverage, 25/50/25 will keep you legally compliant. However, more coverage offers more protection—and the costs of a major car accident could easily exceed West Virginia’s minimum coverage limits.
Let’s say you cause a serious accident. You’re now financially liable for someone’s lengthy hospital stay, car replacement, and lost wages.
It’s unlikely that 25/50/25 coverage will pay for all of the other party’s costs. Liability-only coverage also does not protect you and your own vehicle.
Ultimately, it’s wise to purchase the highest limits for liability that you can afford.
The bottom line: For better financial protection, consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to purchase a
full coverage
auto insurance policy. 
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Cheapest full coverage car insurance quotes in West Virginia
Protection for you and your car is only available through a full coverage policy, which includes
comprehensive
and collision coverage
. Collision coverage: This coverage will pay for damage caused by collisions—with fence posts or other vehicles.
Comprehensive coverage: This coverage pays for non-collision damage—like vandalism, storm damage, and auto theft.
Do you have a financed vehicle? Your lender may require you to carry full coverage car insurance to protect the vehicle until it’s paid off. Confirm with your lender before you purchase a policy.
Take a look at how much real West Virginia drivers are paying for full coverage.
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $89 | Amy, 44 | Toyota Camry LE |
• State Minimum Liability • Comp / Collision | Nationwide | $77 | Frances, 68 | Buick Encore Premium |
• 50,000/100,000 Liability • Comp / Collision | Safeco | $143 | Olga, 31 Terra Alta, WV | Nissan Rogue Sport S |
• 100,000/300,000 Liability • Comp / Collision | Allstate | $178 | Cordelia, 39 Wana, WV | Mitsubishi Mirage ES |
• State Minimum Liability • Comp / Collision | AAA | $321 | Linnie, 29 | Honda HR-V LX |
Last Updated Sep 15, 2024Average rates for state minimum liability coverage and full coverage
Car insurance costs about $130 per month or $1,559 per year for minimum liability coverage in West Virginia. If you prefer full coverage car insurance, the average driver can expect to pay about $244 per month or $2,925 per year.
Remember: There’s no “average” driver, so don’t be too surprised if your rates vary from the average. Your unique driver profile will trigger unique rates—and unique discounts.
West Virginia car insurance: Additional coverages
There’s a lot more to insurance than liability and full coverage. If you’re looking for protection from additional dangers, here are some other coverages available to West Virginia drivers:
Gap insurance
: If you’ve financed your car, consider buying gap insurance. In the event of a total loss, this coverage will cover the gap between what you still owe on the loan and what you’re paid out. Non-owner car insurance
: If you don’t own a car but borrow or rent frequently, non-owner insurance is a smart way to get liability protection. It follows the driver from car to car—it just doesn’t offer any protection for you or the vehicle.How different factors impact the average cost of car insurance in West Virginia
How different factors impact the average cost of car insurance in West Virginia
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): West Virginia currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in West Virginia:
Cheapest West Virginia car insurance after a driving violation
Driving violations have a direct impact on your insurance premiums. When you have many violations on your driving record, insurance companies categorize you as a
high-risk driver
. If you’re a West Virginian driver with violations, you can still find car insurance—but you can expect it to come with higher costs compared to a driver with a clean record.
Cheapest car insurance for West Virginia drivers with a speeding ticket
A single
speeding ticket in West Virginia
could negatively impact your rates, especially if you were going more than 15 MPH over the posted speed limit. If you have a reckless driving conviction
on your record, expect very high rates.We recommend that all drivers—even drivers with tickets—
shop around
to compare rates. Here are some examples of the cheapest options for West Virginia drivers with speeding tickets. | Speeding Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | Progressive | $234 | Vera, 26 | • State Minimum Liability • Comp / Collision |
Speeding 6-10 | Progressive | $208 | Amanda, 44 | • 100,000/300,000 Liability • Comp / Collision |
Speeding 16-20 | State Auto | $247 | Jeffrey, 74 | • State Minimum Liability • Comp / Collision |
Last Updated Sep 10, 2024Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
They've been extremely helpful getting through the process of getting a new policy. They're very courteous and polite and answer any questions to the best of there knowledge.
Corbit
Was a good insurance company. I like it a lot. Guess as good as any insurance company.
Leslie
Pretty great rates for my car & renter's insurance ! Cut my bill in half from when I was with Allstate.
Laura
I bought car insurance from Dairyland this month. They seem great so far.
Callissa
Cheapest auto insurance in West Virginia after a DUI or DWI
DUI convictions in West Virginia
can cause your rates to skyrocket, not to mention the legal and financial consequences. You could even be denied coverage after a conviction.Finding insurance after a DUI can be tricky, but we’ve helped West Virginia drivers just like you.
Cordelia (50 years old)
$95
per month
Clearcover
Sylvia (26 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Triadelphia, WV$150
per month
West Virginia SR-22 insurance
Serious driving violations like reckless driving or a DUI might leave you subject to
SR-22 requirements
.Sometimes, finding a car insurance provider willing to offer coverage with SR-22 requirements can be a challenge, but there are still plenty of car insurance companies that work with high-risk drivers, and some specialize in doing so.
Cheapest West Virginia auto Insurance after an at-fault accident
If you’ve caused an accident, insurance companies will consider you a risky driver. You can expect higher-than-average premiums with an at-fault accident on your record.
We’ve found reasonable rates for West Virginia drivers who have at-fault convictions on record.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | Progressive | $96 | Madge, 42 Mcmechen, WV | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Progressive | $275 | Edward, 26 | • 50,000/100,000 Liability • Comp / Collision |
Not At Fault | Allstate | $126 | Michael, 32 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Nationwide | $88 | Theodore, 32 Bridgeport, WV | • 100,000/300,000 Liability • Comp / Collision |
At Fault With Injury | Clearcover | $89 | Jesus, 30 Lindside, WV | • State Minimum Liability • Comp / Collision |
Last Updated Sep 14, 2024FAQs
Is West Virginia an at-fault state?
Yes, West Virginia is an at-fault state where the injured party files against the at-fault driver’s policy for damages. In a situation with an uninsured driver, uninsured motorist coverage including property damage and motorist bodily injury coverage will come in handy.
The bottom line: All West Virginia drivers must have at least the minimum liability car insurance—but more coverage is recommended.
Cheapest auto insurance after other violations in West Virginia
From breaking the open container law to failing to stop at a stop sign, minor traffic violations can add up and negatively impact your car insurance rates.
Check out these real rates from West Virginia drivers who have committed common traffic violations.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $108 | Charles, 41 | Nissan Altima 2.5 | • State Minimum Liability |
Defective Equipment | Clearcover | $237 | Kyle, 26 Harrisville, WV | KIA Optima LX | • State Minimum Liability • Comp / Collision |
Driving on Sus. License | Safeco | $109 | Ralph, 38 | Cadillac CTS Performance Collection | • State Minimum Liability • Comp / Collision |
DUI | Progressive | $95 | Joseph, 49 | Toyota Tundra Double Cab Sr/sr5 | • State Minimum Liability • Comp / Collision |
Failure to Obey Signal | AAA | $177 | Theresa, 55 | Lexus RX 350 | • State Minimum Liability • Comp / Collision |
Illegal Turn | Nationwide | $118 | Essie, 28 | Dodge Challenger R/T Scat Pack | • 50,000/100,000 Liability • Comp / Collision |
Improper Passing | Progressive | $158 | Blake, 34 | Hyundai Genesis 3.8L | • State Minimum Liability • Comp / Collision |
Leaving scene of an Accident/Hit and Run | State Auto | $92 | Leah, 56 Fisher, WV | Chevrolet Blazer | • State Minimum Liability |
Seat Belt | Plymouth Rock | $114 | Harry, 33 | Mercedes-Benz E 300 4matic | • 15,000/30,000 Liability • Comp / Collision |
Speeding 16-20 | Nationwide | $139 | Earl, 35 | Mercedes-Benz C 300 4matic | • 100,000/300,000 Liability • Comp / Collision |
Speeding Violation-Minor | Clearcover | $119 | Birdie, 28 | Volkswagen Jetta | • State Minimum Liability • Comp / Collision |
Suspension | State Auto | $96 | Bernard, 32 | Honda Ridgeline RTS | • State Minimum Liability • Comp / Collision |
Failure to show documents | Safeco | $75 | Esther, 36 | Toyota Camry Hybrid | • State Minimum Liability • Comp / Collision |
Last Updated Sep 13, 2024Cheapest West Virginia auto insurance based on insurance history
Insurance companies pay attention to any gaps in coverage. A single
lapse
can result in higher premiums.With Jerry, you'll receive regular reminders to help you avoid coverage gaps.
If you’re facing difficulties finding car insurance after a lapse, use a car insurance comparison tool to find the best rate. Jerry has helped West Virginia drivers who have experienced lapses in finding coverage again.
Kathryn (38 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$166
per month
Bertie (45 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$84
per month
Brandon (34 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$133
per month
Clearcover
Lina (44 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Ashford, WV$100
per month
Clearcover
Helen (26 years old)
$66
per month
Cheapest car insurance for West Virginia drivers with poor credit
High or low, your credit score has a big impact on your premium.
Research indicates that people with poor credit tend to make more insurance claims. Therefore, if your credit score is below 600, you’ll probably be charged a higher rate for car insurance in West Virginia.
To paint a picture, here are some sample insurance premiums paid by real drivers with poor credit in West Virginia.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $66 | Madge, 36 | Toyota RAV4 | • 50,000/100,000 Liability • Comp / Collision |
660 - 750 | Nationwide | $84 | Alan, 57 | Ford Ranger Supercrew | • 50,000/100,000 Liability • Comp / Collision |
550 - 659 | AAA | $483 | Calvin, 31 | Mitsubishi Outlander Sport SEL | • State Minimum Liability • Comp / Collision |
< 550 | Allstate | $151 | Amanda, 33 Fayetteville, WV | Honda Odyssey EXL | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Sep 10, 2024Cheapest West Virginia car insurance by age
In West Virginia, car insurance premiums can vary depending on your age. Both older and younger drivers may experience certain factors that can influence their coverage costs.
Older drivers, due to potential increased risks in accidents, and younger drivers, due to their limited experience on the road, may be subject to higher insurance premiums.
Cheapest West Virginia car insurance for young drivers
Tough luck for teens—teen drivers in West Virginia under the age of 19 tend to pay the highest rates of all age groups.
What can you expect to pay? Well, here’s a look at real-life examples of young drivers in West Virginia and their corresponding insurance costs.
Micheal (22 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$224
per month
Elizabeth (24 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$242
per month
Keith (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Lost Creek, WV$489
per month
Clearcover
Tyler (24 years old)
CoverageState Minimum
Belington, WV
GMC Envoy XL$67
per month
Cheapest West Virginia car insurance for senior drivers
Senior’s car insurance
rates are typically higher, primarily due to their increased vulnerability to serious injuries in the event of a car accident
. Car insurance companies take this into consideration when determining coverage rates for older drivers. Take a look at quotes senior drivers have found with Jerry.Bernice (67 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$97
per month
Clearcover
Inez (83 years old)
$119
per month
Flora (89 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$163
per month
Gainsco
Patrick (65 years old)
Coverage30,000 per person
60,000 per accident bodily injury
Comp / Collision
Mitsubishi Outlander SE$275
per month
Over 4,000,000 customers and counting
We’ve earned an App Store rating of 4.7 stars for all we do to make car ownership easier.
Excellent customer service
Mayowa
Switching to Progressive has been a great decision. It's been fast & easy to get car insurance.
Frances
Good but expensive
Catherine
Good but expensive
Catherine
Cheapest car insurance for popular cars
The car you drive has a big impact on what you pay for insurance. That’s because some models cost more to repair or they’re more likely to be stolen.
- Ford F-150
- Chevy Silverado
- Dodge Ram 1500
- Toyota RAV4
- Toyota Tacoma
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota RAV4 | Progressive | $66 | Agnes, 36 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Sep 15, 2024Car insurance cost for new vs. old car
Newer cars cost more to insure in West Virginia and every state. You’ll save a big chunk of change by driving a vehicle older than 10 years old. That’s because the insurance premium reflects the value of the car.
Rosa (31 years old)
$95
per month
Lottie (28 years old)
$87
per month
Clearcover
Isabel (33 years old)
$87
per month
Callie (48 years old)
$63
per month
West Virginia cheapest car insurance by location
Your zip code plays a significant role in determining your insurance rate.
Each neighborhood has its distinct risk profile, taking into account factors like traffic accident rates and crime statistics. This means that insurance rates can vary significantly across different locations in West Virginia.
Below, we have compiled real rates from Jerry drivers across West Virginia to give you a sense of what kind of costs you can expect.
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| Beckley, WV | Jim, 30 | Progressive | $187 | KIA Sportage LX | • State Minimum Liability • Comp / Collision |
| Bluefield, WV | Marc, 29 | AAA | $321 | Honda HR-V LX | • State Minimum Liability • Comp / Collision |
| South Charleston, WV | Hettie, 38 | Safeco | $112 | Toyota RAV4 XLE | • State Minimum Liability • Comp / Collision |
| Wheeling, WV | Frances, 68 | Nationwide | $77 | Buick Encore Premium | • State Minimum Liability • Comp / Collision |
| Martinsburg, WV | James, 37 | Clearcover | $61 | BMW X5 xDrive35i | • State Minimum Liability |
| Princeton, WV | Herbert, 65 | Gainsco | $275 | Mitsubishi Outlander SE | • 30,000/60,000 Liability • Comp / Collision |
| Martinsburg, WV | Sally, 27 | Bristol West | $182 | Nissan Sentra SR | • 30,000/60,000 Liability |
| Parkersburg, WV | Martin, 27 | National General | $144 | Toyota Camry LE | • State Minimum Liability |
| Weston, WV | Mable, 48 | State Auto | $63 | Chevrolet Avalanche K2500 | • State Minimum Liability • Comp / Collision |
| Morgantown, WV | Lloyd, 34 | Plymouth Rock | $114 | Mercedes-Benz E 300 4matic | • 15,000/30,000 Liability • Comp / Collision |
| Parkersburg, WV | Lee, 34 | Dairyland | $144 | Chrysler Town & Country Touring L | • State Minimum Liability |
| Vienna, WV | Ellen, 56 | The General | $112 | Lexus RX 350 | • State Minimum Liability |
| Huntington, WV | Alta, 26 | Safe Auto | $90 | Hyundai Sonata SE | • State Minimum Liability |
Last Updated Sep 15, 2024How to lower car insurance costs in West Virginia
Here are some valuable tips for West Virginia drivers to help them maximize their savings and find affordable options
- Compare quotes every six months before renewing your coverage.
- Raise your deductible to lower your monthly premium.
- Bundle with homeowners or renters insurance for a discount
- Adjust your coverage level if your needs allow.
- For older vehicles, remove collision and comprehensive coverage (if appropriate).
- Look for duplicate coverages and remove them.
Learn more:
11 Ways to lower car insurance
Why does car insurance cost this much in West Virginia
Insurance prices in West Virginia are typically much lower than the national average. Lucky you!
Here are a few reasons that insurance prices are generally so low here:
- Lower number of drivers
- Low cost of living
- Relatively low crime rate
Remember, the average is just a number. Your rate might be different if you live in a highly populous area of West Virginia, for instance.
FAQs
Can you have out of state car insurance in West Virginia?
It’s not a problem to drive through West Virginia with out-of-state insurance. But once you officially become a resident of West Virginia, you should get a policy that adheres to
West Virginia car insurance laws
for coverage. Otherwise, any future claims could be denied. How much is car insurance per month in West Virginia?
You’ll spend about $130 per month (aka $1,559 per year) on state minimum liability coverage. Your costs will more than double if you want the extra protection of full coverage, to $244 per month or $2,925 per year on average.
What is West Virginia minimum insurance?
The state mandates that all West Virginia drivers purchase at least 25/50/25 of liability coverage, which includes both property damage and bodily injury liability protection. These are the minimum requirements for all drivers, but it’s recommended to purchase more coverage.
What is full coverage car insurance in West Virginia?
Full coverage car insurance in West Virginia includes the state’s minimum 25/50/25 liability insurance requirements, comprehensive coverage, and collision coverage.
Is insurance cheaper in West Virginia?
Yes. Drivers in West Virginia tend to pay less than other American drivers for car insurance. But it’s not true across the state—some zip codes have higher risk profiles, so drivers in those areas may pay higher than average costs.
What increases car insurance rates in West Virginia?
Multiple factors influence car insurance rates in West Virginia. Your driving record, insurance history, location, age, and the type of vehicle you drive are just some of the variables that affect your West Virginia car insurance rates.
Who has the best cheap auto insurance in West Virginia?
State Farm and USAA offer some of the cheapest car insurance rates in West Virginia, if you can qualify. But there’s no single company that will guarantee the best rates for every driver, so you’ll need to shop around to find the best rate for your unique profile.
Can your car get towed for no insurance in West Virginia?
Yes. If you’re caught driving with no insurance, police may suspend your registration on the spot. In this case, your car will have to be towed.
Car insurance policies follow the car. Through something called permissive use, you can permit your friends to borrow your car temporarily and they’ll be covered under your policy. The same goes if you borrow a friend’s car. So long as the car is listed on a policy, you’re covered while driving.
Another option is non-owner coverage, which follows the driver instead of the car. This allows someone who does not own a vehicle to enjoy liability protection no matter which car they drive.
Do you need insurance to register a car in West Virginia?
Yes. In order to successfully register a car in West Virginia, you’ll need to show proof of insurance that meets the state minimum levels.2 You’ll also need a valid driver’s license along with other identity and vehicle-related documentation.
Is PIP required in West Virginia?
No, PIP is not even available for West Virginia drivers.
Can you have both PIP and MedPay in West Virginia?
No. Since PIP is not available, your only option is MedPay (Medical Payments) for healthcare-related coverage after a car accident.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
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about our editorial standards, and our expert review board *Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.