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Jerry Data & Research
Cheapest car insurance in Philippi, West Virginia (Nov 2024)
Cheapest car insurance in Philippi, West Virginia (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Philippi, West Virginia.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Bonnie Stinson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- Cheapest car insurance quotes in Philippi
- Best car insurance companies in Philippi
- Best cheap car insurance quotes in Philippi
- Average cost of car insurance in Philippi
- Car insurance quotes in Philippi by rating factors
- How do different factors impact your car insurance costs in Philippi?
- Cheap car insurance quotes in Philippi after driving violations
- Cheap car insurance quotes in Philippi by age
- Cheap car insurance quotes in Philippi based on insurance history
- Cheap car insurance quotes in Philippi for popular cars
- How to lower car insurance costs in Philippi
- FAQ
- Methodology
- Meet our experts
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Cheapest car insurance quotes in Philippi
On average,
car insurance
in Philippi costs around $105 per month for minimum coverage liability insurance and about $216 per month for full coverage insurance. Philippi drivers pay 48% less than the West Virginia
average. Car insurance
rates in Philippi, West Virginia, vary among drivers due to their diverse profiles, hich means that no single insurance company can guarantee everyone the absolute best car insurance rate. To find the best coverage, 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 | $150 | Calvin, 52 Zip: 26416 | Ford F150 Supercrew | • State Minimum Liability • Comp / Collision |
| Safeco | $143 | Leila, 27 Zip: 26416 | Jeep Grand Cherokee Limited | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 18, 2024Best car insurance companies in Philippi
Finding a car insurance policy that meets your budget and coverage needs can be tricky. At Jerry, we understand your struggle. That’s why we conducted one of the largest insurance surveys in the country to gather facts about car insurance costs in Philippi, West Virginia.
The survey involved over 50 top insurance carriers and 16,000 policyholders to determine which company offered the best rates—and had the best customer reviews!
Here’s what we found: No single car insurance company can guarantee the cheapest
car insurance quotes
for every Philippidriver. 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 Philippi drivers to see how they ranked these auto insurance companies.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| State Farm | 4.8 | 4.2 | N/A | 4.8 |
| Safeco | 4.7 | 4.8 | N/A | 4.7 |
| Allstate | 4.4 | 2.8 | N/A | 4.4 |
| Progressive | 4 | 3.5 | N/A | 4.4 |
| Geico | 3.5 | 3.7 | 4.3 | 4.8 |
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.
Best cheap car insurance quotes in Philippi
Philippi drivers need to be able to prove financial responsibility before they can legally hit the road—and the easiest way to do that is to purchase car insurance that meets
the state’s minimum requirements
.In many cases, drivers can also benefit from full coverage or other optional coverage types.
Cheap minimum liability insurance quotes in Philippi
Every driver in West Virginia must carry minimum liability coverage with at least 25/50/25 coverage. This includes property damage liability coverage and bodily injury liability protection.
Drivers are also required to carry uninsured motorist protection.
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:
- $50,000 per accident of bodily injury liability coverage
- $25,000 per accident ofproperty 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 Philippi find minimum liability insurance.
Calvin (52 years old)
$150
per month
Do you need more than minimum coverage in Philippi?
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, which means you’re on the hook for anything above your policy limits.
Also, liability-only coverage won’t pay for your own medical bills or damages to your vehicle.
Ultimately, it’s wise to purchase the highest limits for liability that you can afford. Luckily, it may cost as little as a few extra dollars a month to increase your liability limits.
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. Cheap full coverage car insurance quotes in Philippi
As we said, liability coverage doesn’t pay for damages to you or your vehicle. 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 stationary objects 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 will likely 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 Philippi drivers are paying for full coverage.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $150 | Calvin, 52 Zip: 26416 | Ford F150 Supercrew |
• 50,000/100,000 Liability • Comp / Collision | Safeco | $143 | Leila, 27 Zip: 26416 | Jeep Grand Cherokee Limited |
Last Updated Nov 18, 2024One 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 tailored for Philippi drivers, empowering you to confidently make informed insurance decisions.
"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.
Average cost of car insurance in Philippi
Jerry’s data shows that the average cost of car insurance in Philippi is $105 monthly or $1,260 annually for minimum coverage. In contrast, the average cost for a full coverage policy in Philippi is $216 per month or $2,597 per year.
Knowing the average rates in Philippi, West Virginia, is an excellent way to get an idea of what you can expect to pay. But there is 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.
Car insurance quotes in Philippi by rating factors
- Your driving record and claims history: Filing claims and getting tickets is a red flag for insurance companies, so if you have a troubled driving history, you’ll pay more than the average driver for coverage.
- Your credit score: In some states—including West Virginia—insurers can use your credit history as a factor when they’re calculating your rates. If yourcredit scoreis lower than 600, expect to higher-than-average car insurance premiums.
- Zip code: Auto theft rates, traffic accident rates, and weather patterns vary across West Virginia, and your zip code corresponds to a unique risk profile. That’s why drivers in some parts of {city} may pay higher rates than others.
- Your make and model: Luxury and performance vehicles cost more to insure due to the higher cost of repairing damage after an accident. Conversely, you may pay less for a sensible vehicle equipped with driver safety features.
- Usage: Frequent commuters will pay more for coverage, since more time on the road creates more opportunities for an accident.
Note that insurance providers have their own formulas for calculating risk. Some weigh certain factors more heavily than others, which can cause rate fluctuations.
How do different factors impact your car insurance costs in Philippi?
How do different factors impact your car insurance costs in Philippi?
Allowed (with applicable limitations): Driving experience, age, gender, occupation, credit history, education, marital status, employment status, residential status.
Prohibited (or effectively prohibited):
Learn more about the car insurance rating factors in Philippi:
Cheap car insurance quotes in Philippi after driving violations
When you have driving violations on your
West Virginia driving record
, insurance companies categorize you as a high-risk driver
. Insurers don’t always offer policies to high-risk drivers, but when they do, you can expect it to be at a steep rate.Some common violations that contribute to insurance rate increases include:
- Speeding
- DUIs
- At fault accident
- Driving on a suspended license
- Driving without insurance
Cheapest car insurance in Philippi after 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. However, the penalties depend on the severity of the offense. However, 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 examples of the cheapest options for Philippi drivers with speeding tickets. Last Updated Nov 21, 2024Cheapest car insurance in Philippi after DUI
DUI convictions in West Virginia
can cause your rates to skyrocket, not to mention the legal and financial consequences. A DUI on your record classifies you as a high-risk driver, which many insurers don’t want to insure. As such, you could even be denied coverage after a conviction.Finding insurance after a DUI can be tricky, but we’ve helped Philippi drivers like you find affordable rates.
Cheapest car insurance in Philippi 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 Philippi drivers who have at-fault convictions on their driving record.
Last Updated Nov 19, 2024Cheapest car insurance in Philippi after other driving violations
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—as can major violations like driving without insurance or reckless driving
.Check out these actual rates from Philippi drivers who have committed common traffic violations.
Last Updated Nov 20, 2024Cheap car insurance quotes in Philippi by age
In West Virginia, car insurance premiums can vary depending on your age. Older and younger drivers are subject to factors that can increase the cost of car insurance. Typically, drivers 16 to 19 see the highest insurance rates, followed by drivers in their mid-70s.
Cheapest car insurance in Philippi for young drivers
Tough luck for teens—
teen drivers
in West Virginia under 19 tend to pay the highest rates of all age groups. A lack of experience behind the wheel means a bigger risk of being in a car crash. Luckily, plenty of car insurance discounts can help teen drivers reduce their monthly payments.
What can you expect to pay? Well, here’s a look at real-life examples of young drivers in Philippi and their corresponding insurance costs.
Cheapest car insurance in Philippi for senior drivers
Senior’s car insurance
rates are typically higher, primarily due to their increased vulnerability to severe injuries in the event of a car accident
and slower reflexes that make an accident more common. Car insurance companies consider this when determining coverage rates for older drivers.But finding cheap car insurance for seniors isn’t impossible. Check out how Jerry helped seniors in Philippi find savings.
Cheap car insurance quotes in Philippi based on insurance history
Insurance companies pay attention to any gaps in coverage. A single
car insurance lapse
can result in higher premiums, as insurers see you as an unpredictable—and therefore riskier—driver. With Jerry, you can turn on notifications to receive regular reminders to make payments to help you avoid coverage gaps.
If you’re facing difficulties finding car insurance after a lapse, use a comparison tool to find the best rate. Jerry has helped Philippi drivers who have experienced lapses in finding coverage again.
Dominic (25 years old)
$125
per month
Tommy (25 years old)
$125
per month
Miguel (25 years old)
$125
per month
Over 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:
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Cheap car insurance quotes in Philippi for drivers with poor credit
High or low, your
credit score can have a big impact on your premium
. A few states don’t allow insurance companies to use credit as a factor when calculating insurance rates, but most do—including West Virginia.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 Philippi .
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 |
|---|---|---|---|---|---|
550 - 659 | Progressive | $125 | Chester, 25 Zip: 26416 | Ford F150 Supercrew | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheap car insurance quotes in Philippi 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 are more likely to be stolen.
Last Updated Nov 21, 2024How to lower car insurance costs in Philippi
Here are some valuable tips for Philippi drivers to help them maximize their savings and find affordable options:
- Shop around every six monthsto compare insurance quotes before renewing your coverage.
- Raise your deductible to lower your monthly premium.
- Bundle home and auto insurancefor a discount.
- Adjust your coverage level if your needs allow.
- For older vehicles, remove collision and comprehensive (if appropriate).
- Look for duplicate coverages and remove them.
Why is car insurance in Philippi so expensive?
Insurance prices in Philippi are typically much lower than the national average, which means drivers in West Virginia can see significant savings on insurance!
Here are a few reasons that insurance prices are generally so low here:
- Low number of drivers
- Low cost of living
- Relatively low crime rate
Remember, an average is just a number. For instance, your rate might be different if you live in a highly populated area of West Virginia.
FAQ
Who has the cheapest insurance in WV?
Safeco, State Farm, and The General all rated well for policy cost satisfaction among West Virginia drivers, according to a recent Jerry survey. However, the cheapest rate for you might be with another company—it all depends on your unique driver profile.
What is the average cost of car insurance in WV?
In West Virginia, the average driver will pay about $59 per month or $704 per year for minimum coverage. Drivers who choose full coverage can expect to pay approximately $134 per month, or $1,608 per year.
What is the minimum car insurance in WV?
25/50/25 is the minimum required car insurance for West Virginia drivers. This means liability coverage that includes at least $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage. In addition, WV drivers must also carry uninsured motorist coverage (bodily injury and property damage) with the same limits.
Is it illegal to not have car insurance in WV?
Yes, it’s against state law to drive in West Virginia without the proper insurance coverage. You must be prepared to show proof of insurance if you get pulled over, get into an accident, or if you’re trying to register a vehicle.
What is the penalty for driving without insurance in West Virginia?
You could be fined anywhere between $200 and $5,000 if you’re caught driving without insurance. Furthermore, your license and registration could be suspended for at least 30 days, which triggers court fees and reinstatement fees.
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
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
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.
*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.