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 rate
To 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
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Dairyland | $125 | Georgie, 34, Gordon, WV | Chevrolet Tahoe K1500 | State Minimum | No |
| Progressive | $205 | Rebecca, 57, Sumerco, WV | Ford F-150 | 50/100 | Yes |
| Dairyland | $200 | Melvin, 49, Martinsburg, WV | Nissan Versa S | State Minimum | Yes |
| Dairyland | $164 | Clarence, 29, Falling Waters, WV | Ford F250 Super Duty | State Minimum | No |
| Dairyland | $86 | Christian, 36, Beverly, WV | Ford Fusion Sel | State Minimum | No |
Cheapest 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: |
|---|---|---|---|
| Dairyland | October 18, 2024 | 5 | “I bought car insurance from Dairyland this month. They seem great so far. “ -Violet |
| AAA | October 18, 2024 | 5 | “Great so far they covered me when no one else would “ -Lena |
| Bristol West | October 18, 2024 | 4 | “Good insurance, reliable. Kinda pricey compared to other quotes. “ -Aaron |
| Amica | October 17, 2024 | 5 | “They’ve been great “ -Delia |
| Allstate | October 17, 2024 | 5 | “I only get liability but for the price I won’t complain. “ -Genevieve |
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.
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.
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
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
|---|---|---|---|---|---|
| 50/100 | Yes | Progressive | $205 | Rebecca, 57, Sumerco, WV | Ford F-150 |
| State Minimum | Yes | Dairyland | $200 | Melvin, 49, Martinsburg, WV | Nissan Versa S |
| State Minimum | Yes | Progressive | $135 | May, 37, Weirton, WV | Bmw 335I |
| State Minimum | Yes | Dairyland | $252 | Gene, 29, Parkersburg, WV | Nissan Versa Note S |
| State Minimum | Yes | Progressive | $71 | Jesus, 59, Peterstown, WV | Jeep Liberty Sport |
Average rates for state minimum liability coverage and full coverage
Car insurance costs about $110 per month or $1,324 per year for minimum liability coverage in West Virginia. If you prefer full coverage car insurance, the average driver can expect to pay about $245 per month or $2,939 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:
- Towing and labor
- Rental reimbursement coverage
- New car replacement insurance
- Personal injury protection or MedPay
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.
Car insurance premium by rating factors
It matters where you live, what you drive, and what kind of driving record you have.
Here are the factors that could impact your car insurance rates in West Virginia:
- Your driving record and claims history: Filing claims and getting tickets is a red flag for insurance companies, so you’ll pay more than the average driver for coverage.
- Your credit score: If your credit score is lower than 600, expect to spend much more than average for car insurance. Good credit drivers typically get the best rates.
- 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.
- Your make and model: Luxury and performance vehicles cost more to insure than standard sedans.
- Usage: Frequent commuters will pay more for coverage.
Note that insurance providers have their own formulas for calculating risk. Some weigh certain factors more heavily than others.
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
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Speeding Violation-Minor | Dairyland | $164 | Clarence, 29, Falling Waters, WV | Ford F250 Super Duty | State Minimum | No |
| Speeding Violation-Minor | Progressive | $75 | Linnie, 27, Ona, WV | Dodge Caliber Sxt | State Minimum | No |
| Speeding Violation-Minor | Progressive | $174 | Gabriel, 37, Huntington, WV | Chevrolet Cruze Lt | State Minimum | Yes |
| Speeding Violation-Minor | Dairyland | $130 | Robert, 40, Paw Paw, WV | Jeep Grand Cherokee Lared | State Minimum | No |
| Speeding Violation-Minor | Progressive | $59 | Alvin, 47, Morgantown, WV | Mitsubishi Outlander Sport Es | State Minimum | No |
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.
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
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Not At Fault | Dairyland | $200 | Melvin, 49, Martinsburg, WV | Nissan Versa S | State Minimum | Yes |
| Not At Fault | Dairyland | $164 | Clarence, 29, Falling Waters, WV | Ford F250 Super Duty | State Minimum | No |
| At Fault With No Injury | Dairyland | $78 | Mina, 54, Spencer, WV | Chevrolet Cobalt Ls | State Minimum | No |
| Not At Fault | Progressive | $130 | Jerry, 31, Mason, WV | Dodge Ram 2500 Slt | State Minimum | No |
| At Fault With No Injury | Progressive | $81 | Aiden, 70, Williamson, WV | Honda Ridgeline Black Edit | State Minimum | No |
FAQ
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Is West Virginia an at-fault state?
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
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Ticket Violation Not Listed | Dairyland | $166 | Calvin, 50, Wheeling, WV | Chevrolet Equinox Lt | State Minimum | No |
| Suspension | Progressive | $208 | Charlie, 35, Martinsburg, WV | Hyundai Genesis 3.8L | State Minimum | Yes |
| Driving on Sus. License | Progressive | $184 | Willie, 35, Morgantown, WV | Kia Optima Lx | State Minimum | Yes |
| Failure to Yield | Dairyland | $153 | Lucas, 31, Brandywine, WV | Jeep Liberty Freedom | State Minimum | No |
| Ticket Violation Not Listed | Progressive | $147 | Eva, 32, Franklin, WV | Hyundai Tucson Limited | 100/300 | No |
Cheapest 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.
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
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| <550 | Dairyland | $125 | Georgie, 34, Gordon, WV | Chevrolet Tahoe K1500 | State Minimum | No |
| 660-750 | Progressive | $205 | Rebecca, 57, Sumerco, WV | Ford F-150 | 50/100 | Yes |
| <550 | Dairyland | $200 | Melvin, 49, Martinsburg, WV | Nissan Versa S | State Minimum | Yes |
| 550-659 | Dairyland | $164 | Clarence, 29, Falling Waters, WV | Ford F250 Super Duty | State Minimum | No |
| 550-659 | Dairyland | $86 | Christian, 36, Beverly, WV | Ford Fusion Sel | State Minimum | No |
Cheapest 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.
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.
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.
Here are some of the most popular vehicles in West Virginia:
- Ford F-150
- Chevy Silverado
- Dodge Ram 1500
- Toyota RAV4
- Toyota Tacoma
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Ford F-150 | Progressive | $205 | Rebecca, 57, Sumerco, WV | 50/100 | Yes |
| Ford F-150 | Dairyland | $105 | Amanda, 33, Valley Bend, WV | State Minimum | No |
| Toyota Tacoma Double Cab | Progressive | $109 | Connor, 27, Old Fields, WV | 50/100 | Yes |
| Ford F-150 | Progressive | $94 | Michael, 41, Weston, WV | State Minimum | Yes |
| Chevrolet Silverado K1500 | Progressive | $166 | Ada, 55, Charleston, WV | State Minimum | Yes |
Car 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.
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
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Gordon | Georgie | Dairyland | $125 | Chevrolet Tahoe K1500 | State Minimum | No |
| Sumerco | Rebecca | Progressive | $205 | Ford F-150 | 50/100 | Yes |
| Martinsburg | Melvin | Dairyland | $200 | Nissan Versa S | State Minimum | Yes |
| Falling Waters | Clarence | Dairyland | $164 | Ford F250 Super Duty | State Minimum | No |
| Beverly | Christian | Dairyland | $86 | Ford Fusion Sel | State Minimum | No |
How 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.
- Inquire about available car insurance discounts, like the good drivers discount.
- 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.
FAQ
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Can you have out of state car insurance in West Virginia?
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How much is car insurance per month in West Virginia?
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What is West Virginia minimum insurance?
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What is full coverage car insurance in West Virginia?
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Is insurance cheaper in West Virginia?
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What increases car insurance rates in West Virginia?
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Who has the best cheap auto insurance in West Virginia?
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Can your car get towed for no insurance in West Virginia?
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Do you need insurance to register a car in West Virginia?
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Is PIP required in West Virginia?
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Can you have both PIP and MedPay in West Virginia?
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Licensed Insurance Agent
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 is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from 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.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*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.
