Best Car Insurance Rates In The Great State of West Virginia

On average, your neighbors pay $100 a month.

See Your Rates
Fast, Free Quotes from Top Companies in Your State
The Great State of West Virginia

Compare Auto Insurance Quotes in West Virginia to Get the Best Rates

Compare Auto Insurance Quotes in West Virginia to Get the Best Rates

West Virginia may be the Mountain State, but the useful insurance information that QuoteWizard has compiled from industry and regulatory sources, can help you keep your rates from being sky-high.

This page will show you which types of coverage are legally required in West Virginia, provide information about the cost of driving including average rates, and share some insights about insurance risk to help you protect yourself and your family.

Average West Virginia Car Insurance Rates

Average car insurance rates in West Virginia are almost identical to the national average. Prices may vary depending on your limits, urban conditions, coverage, and zip code.

On average, the cost of auto insurance in West Virginia is $870.84 a year. The national average annual price is $866.31.

West Virginia Average Annual Car Insurance Rates
Coverage Rates
Liability $505.40
Collision $326.95
Comprehensive $200.10
Total Annual Cost $870.84
Price Per Month $72.57

Car insurance is a must-have for most people, whether they live in West Virginia or somewhere else in the US. But that doesn’t mean you should go with the first policy that comes your way.

You want a policy that’s reliable and fits your needs while also being affordable. To get that, you have to compare auto insurance quotes.

That can take some time if you do it yourself. With QuoteWizard, you can do it in seconds. Fill out our form and we’ll connect you to multiple top car insurance companies in West Virginia so you can compare rates and get the best coverage.

Last year, 20,834 people used QuoteWizard to compare car insurance quotes in West Virginia from top companies and find the cheapest rates.

Top 10 Vehicles in West Virginia

These are the most common vehicles owned by West Virginia drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Chevrolet Cavalier
  3. Chevrolet Silverado
  4. Ford Ranger
  5. Chevrolet Blazer
  6. Ford Focus
  7. Chevrolet S10
  8. Jeep Grand Cherokee Laredo
  9. Ford Escape XLT
  10. Ford Explorer
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best Car Insurance Companies in West Virginia

This is our list of the most common car insurance companies reported by QuoteWizard users living in the state of West Virginia. Out of the 20,834 West Virginia drivers that used QuoteWizard to request insurance quotes last year, 2,341 were uninsured.

  1. Geico
  2. Nationwide
  3. Allstate
  4. Progressive
  5. AIG
  6. Liberty Mutual<
  7. 21st Century
  8. Esurance
  9. Farmers
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

West Virginia State Auto Insurance Laws

Car Insurance Minimum Coverage

Legally, almost all drivers in the US are required to carry a minimum level of insurance, but those levels vary significantly from state to state.  In West Virginia, drivers need to follow what is known as the 25/50/25 rule when it comes to their insurance policies.

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.

Required Proof of Car Insurance

Any time you drive in West Virginia, you must be prepared to show your car insurance identification card to law enforcement upon request. You will get this identification card from your car insurance company when you buy a policy.

The card must include all of the following:

  • Name of the insurance company
  • Policy number
  • Effective date of the policy
  • Expiration date of the policy
  • Description of the year, make, or model of the insured vehicles, or the name of the insured driver

Penalties

Operating a vehicle without the required coverage is a misdemeanor, and is punishable by both a fine of up to $5,000 and the suspension of your driver’s license and registration.

West Virginia drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
Ready to see if you're eligible?
Click Here

SR-22 Requirements

West Virginia residents that have had their driver’s license suspended due to drunk driving convictions or other violations must provide proof of financial responsibility by filing an SR-22 form. “SR” stands for safety responsibility and it certifies that a driver has the minimum amount of insurance required by state law.

West Virginia law requires that an SR-22 be carried for 36 consecutive months. If a driver fails to renew their policy 15 days before expiration, a letter is sent to the state resulting in suspension of their license. Once renewed, the license will be reinstated, but this can be a time-consuming process.

State of West Virginia Traffic Safety Laws

Distracted Driving Laws

Drivers under the age of 18 may not use cell phones at any time while driving. West Virginia prohibits all drivers from hand-held cell phone use while driving, but they may use a hands-free headset system. All drivers are also banned from sending or receiving text messages while driving in West Virginia.

Implied Consent Law

West Virginia’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, or urine when arrested for suspicion of Driving Under the Influence (DUI).

Refuse the test and you’ll face the following penalties:

  • First Offense: 1-year license revocation (or 45 days, with an additional 1 year of ignition interlock device)
  • Second Offense: 5 to 10-year license revocation
  • Third Offense: lifetime license revocation

DUI Law and Penalties

If you drive or operate a motor vehicle in the State of West Virginia with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving While Under the Influence (DUI).

The penalties for a first offense DUI conviction are:

  • Up to 6 months in jail
  • A fine of between $100 and $1,000
  • License suspended for 15 to 45 days

The penalties for a second offense DUI conviction are:

  • Between 6 and 12 months in jail
  • A fine of between $1,000 and $3,000
  • License suspended for 1 year
  • Ignition interlock device required

The penalties for a third offense DUI conviction are:

  • Between 1 and 3 years in jail
  • A fine of between $3,000 and $5,000 fine
  • License suspended for 1 year
  • Ignition interlock device required

Child Restraint Law

Children must be restrained in an approved child safety seat until they reach 8 years of age or four feet nine inches in height, whichever comes first. Once children reach this threshold, they may use a vehicle’s regular seat belts. The maximum fine for failing to properly restrain children in West Virginia is $20 for a first offense.

Graduated Driver’s License Program

West Virginia has implemented a 3-tier graduated driver’s license program beginning with an instruction permit and ending with full driver privileges once all conditions are met.

New drivers must pass a written test and be 15 years old in order to get an instruction permit. Once a driver has an instruction permit, they are required to drive 50 hours under supervision. Ten of those hours must be at night. If a new driver completes an approved driver’s education class, the requirement of 50 hours of supervised driving is waived. Once these conditions are satisfied, and the driver has reached at least the age of 16, they can take the driver’s test. If they pass the test, an intermediate license is issued.

Drivers in the intermediate stage cannot drive between the hours of 10 pm and 5 am. During their first six months of driving with their intermediate license, drivers may not have any passenger in the car under age 20 (excluding family). After they have been driving with an intermediate license for six months, they may have a maximum of one passenger under age 20 (excluding family). Drivers obtain their full driving privileges once they complete the above requirements and turn 17.

Senior Drivers in West Virginia

West Virginia has no special provisions for senior drivers. All drivers are required to renew their driver’s license every 8 years.

Seat Belt Laws

The driver and all passengers between age 8 and 18 must wear seat belts. Any front seat passengers over age 18 must also wear a seat belt. A first offense for not wearing one’s seat belt can result in a fine of up to $25.

Vehicles Registered in Another State

When you drive a vehicle in West Virginia that is required to be registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement upon request.

The Cost of Driving in West Virginia

Average West Virginia Car Insurance Rates

The average cost of car insurance in West Virginia in 2014, the most recent year for which data was available, was $870.84 compared to a national average of $866.31. West Virginia is the 16th most expensive state for car insurance.

Fuel Taxes

The state of West Virginia taxes gasoline at 33.20, and diesel fuel at 34.60 cents per gallon. This is in addition to the Federal fuel tax of 18.4 cents per gallon on gasoline, and 24.4 cents per gallon on diesel. The total tax on gasoline is 51.60 cents per gallon. For diesel fuel, the total tax adds up to 59 cents per gallon.

Car Insurance Risk in West Virginia

West Virginia Vehicle Safety Data

West Virginia archives crash statistics, and a wide variety of other types of vehicle safety data here: West Virginia Safety Data

Traffic Fatalities

In 2014, there were 272 traffic fatalities in West Virginia, a 18% decrease from the state’s 332 traffic fatalities in 2013.

 

Vehicle Thefts

West Virginia had 1,896 vehicle thefts reported in 2014, a 3.6% decrease compared to 2013. In 2014, the vehicle theft rate was 102.5 per 100,000, a slight increase from the 2013 rate of 106.1 per 100,000.

The vehicle theft rate in West Virginia is well below the overall US vehicle theft rate, which was 216.2 per 100,000 in 2014.

Top 10 Most Stolen Vehicles in West Virginia

Some cars are more prone to theft than others, be sure to check the list below to see if your car is a target on the streets.

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 1995 Ford Pick-Up (Full Size)
  2. 2003 Chevrolet Pick-Up (Full Size)
  3. 1997 Chevrolet Pick-Up (Small Size)
  4. 1999 Jeep Cherokee/Grand Cherokee
  5. 1999 Ford Pick-Up (Small Size)
  6. 1998 Dodge Pick-Up (Full Size)
  7. 1998 Ford Explorer
  8. 2014 Ford Focus
  9. 2000 Jeep Wrangler
  10. 1999 Chevrolet Cavalier

Uninsured Motorists

The percentage of West Virginia residents estimated to be driving without insurance is 8.4%. That ranks West Virginia as #40 among US states and the District of Columbia, significantly better than average.

West Virginia Auto Insurance Company Market Share

Source: Insurance Information Institute
Rank Market Share Company
1 14.7% Nationwide
2 13% Erie Insurance Property & Casualty
3 8% Berkshire Hathaway Inc.
4 7.7 Allstate Property & Casualty
5 5% Progressive Corp
6 4.4% Liberty Mutual
7 3.7% Hartford Financial Services
8 3.4% USAA
9 2.7% Westfield Group

 

West Virginia Office of the Insurance Commissioner

 

Website:
Homepage
Insurance Commissioner:
Michael D. Riley
Insurance Hotline
(888) 879-9842

File a Consumer Insurance Complaint

 

Website:
Online Form

Sources:

QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.