Best Auto Insurance Rates in West Virginia

On average, your neighbors pay $41 to $94 a month.

Compare Auto Insurance in West Virginia

We researched top insurance companies and found that the average cost of a minimum-coverage car insurance policy in West Virginia is $495 a year, or $41 a month. The average cost of a full-coverage policy in the state is $1,131 a year, or $94 a month. The amount you may pay for auto insurance depends on several factors like your age, credit score, ZIP code and more. A good way to find cheap car insurance in West Virginia is to compare quotes from several insurance companies.

This article covers everything you need to know about auto insurance in West Virginia, including:

Cheapest car insurance in West Virginia

The cheapest car insurance in WV costs $295 a year, from Erie. It's not the only company offering affordable insurance: these are West Virginia's cheapest car insurance companies.

Cheapest auto insurance companies in West Virginia
Company Monthly rate
West Virginia average $41
Erie $25
Westfield $26
USAA $27
State Farm $33
GEICO $35
Encompass $35
NICOA $47
Nationwide $54
Allstate $57
Progressive $57
Metropolitan $58
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

These rates are for a minimum policy with liability coverage. In West Virginia, drivers are required to carry at least 25/50/25 car insurance liability limits.

If you’re looking for an insurance policy with additional protection, like comprehensive and collision, full coverage may be a good choice.

Cheapest car insurance for a full-coverage policy

Erie offers the cheapest option for drivers in West Virginia interested in purchasing a full-coverage policy. In addition to the state’s required minimum liability limits, full-coverage policies offer additional coverages like collision and comprehensive. Here are the cheapest options in West Virginia:

 

Erie is the cheapest insurer, with an average full-coverage policy price of $762 per year. State Farm follows with an average $846 full-coverage policy price. By opting for the cheapest insurance option, West Virginia drivers may save around $369 compared to the state’s average premium cost.

Cheapest car insurance for drivers with an accident

Erie offers the cheapest car insurance for drivers in West Virginia with a single at-fault accident on their record. Your rates will likely skyrocket after an at-fault collision, but we found some of the cheapest insurance companies in West Virginia:

 

Erie offers the cheapest insurance rates for drivers with an accident, with an average cost of $943 a year, or $79 a month. State Farm is the second-cheapest, with average rates of $1,072 a year, or $89 a month.

The cheapest rate is nearly $750 cheaper than West Virginia’s average car insurance cost for drivers with an accident on their record. That’s why it’s important to compare rates from several insurance companies before making a decision.

Most popular car insurance companies in WV

Which car insurance companies are the most popular in West Virginia? According to S&P, these companies hold the highest market share in the state:

Company Market share
State Farm 26%
Erie 16%
GEICO 11%
Nationwide 10%
Allstate 9%

Minimum car insurance requirements in West Virginia

In West Virginia, drivers need to carry 25/50/25 insurance coverage. This means that any policy must include at least the following:

  • $25,000 of coverage for bodily injury liability per person.
  • $50,000 of coverage for bodily injury liability per incident.
  • $25,000 of coverage for property damage liability per incident.

Uninsured motorist coverage is not required in West Virginia, but it will be automatically added to your policy unless you reject it in writing. Remember, you can purchase more inclusive plans that offer more coverage, but if you want the bare minimum required to keep you legal on the road, make sure your policy has the above coverage.

Methodology

Best insurance for a full-coverage policy: This data is based on driving profiles of 35-year-old men and women in West Virginia with clean driving records, excellent credit scores and full-coverage policies (including comprehensive, collision and liability).

Best insurance for a minimum-coverage policy: This data was compiled using driving profiles of 35-year-old men and women in West Virginia with clean driving records, excellent credit scores and minimum-coverage policies (25/50/25).

Best insurance for drivers with an accident:This data is based on driving profiles of 35-year-old men and women in West Virginia with a single, at-fault accident, excellent credit scores and full-coverage policies (including comprehensive, collision and liability).

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