Cheapest Auto Insurance in West Virginia (2022)

The cheapest auto insurance companies in West Virginia: Erie, $32 a month; State Farm, $39 a month; and USAA, $51 a month.

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Erie and State Farm carry the cheapest car insurance rates for most drivers in West Virginia. However, if you're a senior driver in West Virginia, Erie and Progressive are your top two most affordable choices for car insurance in the state.

In this article

The cheapest car insurance companies in West Virginia

Erie and State Farm carry the cheapest average overall car insurance rates for drivers in West Virginia, including those with a DUI or other driving offense. Erie has an average rate of $32 a month and State Farm has an average rate of $39 a month. For comparison, West Virginia has an average car insurance rate of $62 a month.

The cheapest minimum-coverage car insurance in West Virginia

Of the most popular car insurance providers operating in West Virginia, Erie has the most affordable average rate for minimum coverage at $32 a month. State Farm has the second-cheapest rate at $39 a month.

Cheapest minimum-coverage car insurance in West Virginia
Company Monthly rate
Erie $32
State Farm $39
USAA $51
Westfield $55
Allstate $57
GEICO $74
Nationwide $91
Progressive $94
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Minimum-coverage auto insurance, also known as liability auto insurance, covers damage and injuries you cause others as the result of a car accident. Most states require you to carry certain legal limits of minimum-coverage auto insurance. West Virginia's minimum-coverage limits are:

Bodily injury liability per person: $25,000

Bodily injury liability per accident: $50,000

Property damage liability: $25,000

Uninsured motorist bodily injury per person: $25,000

Uninsured motorist bodily injury per accident: $50,000

Uninsured motorist property damage per accident: $25,000

Underinsured motorist bodily injury per person: $25,000

Underinsured motorist bodily injury per accident: $50,000

The cheapest full-coverage car insurance in West Virginia

West Virginia drivers find the cheapest full-coverage car insurance with State Farm, which offers an average rate of $79 a month. Erie has the next-lowest rate at $81 a month.

Cheapest West Virginia full-coverage car insurance
Company Monthly rate
State Farm $79
Erie $81
USAA $122
Progressive $129
Westfield $140
Allstate $155
GEICO $171
Nationwide $187
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

The importance of full-coverage car insurance lies in the fact that it helps cover your own damages and injuries after an accident. Minimum-coverage auto insurance only covers the damage and injuries you cause to others. Full-coverage auto insurance isn't legally required by any state. However, if you leased your car, your borrower will probably require you to carry a full-coverage policy.

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West Virginia's cheapest car insurance after a driving offense

If you have an accident or speeding ticket on your record in West Virginia, State Farm has the cheapest car insurance rates for you. State Farm's average rate after a car accident is $93 a month. Erie is next at $97 a month.

Cheapest car insurance rates in WV after an accident
Company Monthly rate
State Farm $93
Erie $97
USAA $181
Nationwide $187
Westfield $201
Progressive $202
Allstate $225
GEICO $271
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

If you have a speeding ticket on your insurance record, State Farm has the cheapest average auto insurance premium at $86 a month. Erie is the next-most affordable provider at $89 a month.

Cheapest WV car insurance with a speeding ticket
Company Monthly rate
State Farm $86
Erie $89
Westfield $140
USAA $143
Progressive $169
Allstate $174
GEICO $180
Nationwide $227
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

The cheapest car insurance in West Virginia with a DUI

If you're a West Virginia driver with a DUI, you'll find your cheapest rate for car insurance with State Farm at $86 a month. Erie has the next-lowest rate at $125 a month.

Cheapest average car insurance in WV after a DUI
Company Monthly rate
State Farm $86
Erie $125
Progressive $178
Allstate $212
USAA $224
Westfield $324
Nationwide $354
GEICO $588
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

In West Virginia, a DUI stays on your auto insurance record for 10 years. Along with higher rates, a DUI can carry the following penalties:

  • One day to six months in jail
  • $100 to $500 in fines
  • License revocation for six months

Who has the cheapest car insurance for teens in West Virginia?

Erie has the cheapest rates for teens for minimum- and full-coverage auto insurance, as well as for auto insurance coverage after an accident or speeding ticket. For teens with a DUI, Progressive has the lowest average premium in the state.

Drivers who are 18 years old in West Virginia pay an average of $175 a month for minimum-coverage car insurance, and $387 for full coverage. Teen drivers pay more for car insurance than any other age group. This is due to insurers seeing teens as being inexperienced drivers, and therefore a higher risk.

Cheapest minimum-coverage car in West Virginia for teens

West Virginia teens pay the lowest rate for auto insurance with Erie, at an average of $53 a month. Progressive is their next-lowest average rate of $83 a month.

West Virginia's cheapest minimum-coverage car insurance for teens
Company Monthly rate
Erie $53
Progressive $83
State Farm $116
Allstate $145
USAA $158
Westfield $242
GEICO $246
Nationwide $353
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage car insurance for West Virginia teens

Teens in West Virginia find the most affordable full-coverage car insurance policy with Erie at $139 a month. Progressive is the next-lowest insurer for full-coverage at $160 a month.

Cheapest full-coverage car insurance for teens in WV
Company Monthly rate
Erie $139
Progressive $160
State Farm $273
USAA $407
Allstate $440
GEICO $532
Westfield $547
Nationwide $599
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

The cheapest car insurance for West Virginia teens with a driving offense

If you're a West Virginia teen with an accident on your insurance record, Erie has the lowest rate available at $163 a month. Progressive is your next-most affordable choice for $191 a month.

Cheapest car insurance for teens in WV after an accident
Company Monthly rate
Erie $163
Progressive $191
State Farm $402
USAA $485
Allstate $526
GEICO $532
Westfield $635
Nationwide $693
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Looking for car insurance after a speeding ticket? West Virginia teens pay the lowest average rate with Erie at $161 a month. Progressive is the next-cheapest option at $176 a month.

Cheapest car insurance for teens in WV after an accident
Company Monthly rate
Erie $163
Progressive $191
State Farm $402
USAA $485
Allstate $526
GEICO $532
Westfield $635
Nationwide $693
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for West Virginia teens after a DUI

If you're a teen in West Virginia with a DUI offense on your insurance record, Progressive has the lowest rate for you at $176 a month. Erie is the next-cheapest option at $199 a month.

Cheapest car insurance for WV teens with a DUI
Company Monthly rate
Progressive $176
Erie $199
State Farm $415
Allstate $637
USAA $641
Nationwide $657
GEICO $691
Westfield $1,040
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Compare rates from top car insurance companies

The cheapest car insurance for West Virginia seniors

Erie has the lowest average car insurance rates for senior drivers all the way down the line in West Virginia, except for after a DUI, in which case Progressive offers the lowest rate. State-wide, West Virginia seniors pay an average of $56 a month for minimum-coverage car insurance and $117 for full coverage.

Senior drivers pay higher car insurance rates than other age demographics, barring teenagers. This is largely due to the decrease in reflexes and reaction time as we age.

Cheapest minimum-coverage car insurance for seniors in West Virginia

If you're looking for the most affordable liability auto insurance in West Virginia for seniors, Erie has the cheapest rate for you at $26 a month. State Farm has the next-lowest rate at $38 a month.

Most affordable minimum-coverage car insurance for WV seniors
Company Monthly rate
Erie $26
State Farm $38
USAA $46
Westfield $49
Allstate $55
GEICO $68
Nationwide $81
Progressive $87
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage car insurance for West Virginia senior drivers

Erie has the cheapest rate for West Virginia seniors looking for full-coverage car insurance at $65 a month. State Farm is the next-cheapest option at $73 a month.

Cheapest full-coverage car insurance for WV seniors
Company Monthly rate
Erie $65
State Farm $73
USAA $106
Progressive $113
Westfield $124
Allstate $140
GEICO $156
Nationwide $160
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance in West Virginia for seniors with a driving offense

West Virginia seniors find their lowest average car insurance premium after an accident with Erie at $73 a month. State Farm has the second-cheapest rate at $87 a month.

Cheapest car insurance for WV seniors after an accident
Company Monthly rate
Erie $78
State Farm $87
Nationwide $160
USAA $173
Westfield $185
Progressive $187
Allstate $203
GEICO $256
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Seniors in West Virginia with a speeding ticket find their most affordable rate with Erie at $71 a month. State Farm is next at $80 a month.

Cheapest car insurance for seniors in WV after a ticket
Company Monthly rate
Erie $71
State Farm $80
USAA $124
Westfield $124
Progressive $152
Allstate $157
GEICO $165
Nationwide $199
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance in West Virginia for seniors with a DUI

After a DUI, West Virginia seniors get the cheapest car insurance with State Farm at $80 a month. Erie is the next-cheapest option at $99 a month.

Cheapest car insurance for WV seniors after a DUI
Company Monthly rate
State Farm $80
Erie $99
Progressive $163
Allstate $192
USAA $194
Westfield $308
Nationwide $321
GEICO $573
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance in West Virginia by city

Of the most populated cities in West Virginia, Martinsburg residents pay the lowest car insurance rates at $54 a month. Clarksburg, Fairmont and Morgantown share the second-cheapest rate of $57 a month, on average. Wheeling and Weirton share third place at $59 a month.

Cheapest car insurance by West Virginia city
City Monthly rate
Martinsburg $54
Clarksburg $57
Morgantown $57
Fairmont $57
Wheeling $59
Weirton $59
Parkersburg $61
Charleston $64
Beckley $64
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

How much car insurance do I need in West Virginia?

Drivers in West Virginia are required by law to carry the following liability auto insurance limits:

Bodily injury liability per person: $25,000

Bodily injury liability per accident: $50,000

Property damage liability: $25,000

West Virginia drivers are also required to carry the following coverage types and limits:

Uninsured motorist bodily injury per person: $25,000

Uninsured motorist bodily injury per accident: $50,000

Uninsured motorist property damage per accident: $25,000

Underinsured motorist bodily injury per person: $25,000

Underinsured motorist bodily injury per accident: $50,000

Keep in mind that these limits reflect the minimum legal limits required, not the limits recommended. States rarely update their required car insurance limits, and they do not reflect the adequate amounts of coverage you would need if an accident resulted in a long court case or hospital stay. If your car insurance limits are reached after an accident, you'll have to pay the remaining costs out of pocket. To avoid this, we recommend raising your liability limits to the following:

  • Bodily injury per person: $100,000
  • Bodily injury per accident: $300,000
  • Property damage liability per accident: $100,000

Methodology

QuoteWizard studied thousands of rates through Quadrant Information Services using the following car insurance companies operating in West Virginia:

  • Allstate
  • Erie
  • GEICO
  • Nationwide
  • Progressive
  • State Farm
  • USAA
  • Westfield

Unless otherwise noted, the car insurance quotes analyzed were for a single, 35-year-old male with a clean driving record. He drives a 2012 Honda Accord LX an average 13,500 miles per year.

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