In a Nutshell
The average cost of car insurance in West Virginia varies based on individual circumstances, such as credit score, age, driving history and vehicle. We’ve crunched the data for several different driver profiles and found some of the lowest-cost insurers for drivers in the state.Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.
Are you planning to explore West Virginia’s Appalachian range? First, you should make sure your ride is protected with the right affordable car insurance.
We’ve looked at insurance companies from around West Virginia to calculate the average cost of car insurance and determine which insurers offer the cheapest rates for different driver needs and profiles.
There are lots of factors that affect the cost of car insurance, like your age, vehicle type, mileage, coverage options and driving history. In order to evenly compare insurers, we based our calculations on a minimum-coverage policy and relatively neutral driver profile — no accidents, tickets or claims, for example (see our full methodology). The rates you see may be higher or lower depending on your specific profile and needs.
Learn about West Virginia’s average car insurance rates and our findings for the cheapest options.
- Cost of car insurance in West Virginia
- 5 cheapest car insurance companies in West Virginia
- Cheapest state-minimum car insurance in West Virginia
- Cheapest car insurance for good credit in West Virginia
- Cheapest car insurance for poor credit in West Virginia
- Cheapest car insurance for drivers with multiple claims in West Virginia
- Cheapest car insurance for young drivers in West Virginia
- West Virginia auto insurance requirements
- Is usage-based insurance available in West Virginia?
- FAQs about the cheapest car insurance rates in West Virginia
- Methodology
Cost of car insurance in West Virginia
Average monthly auto insurance premiums in West Virginia
| Driver or coverage | Avg. monthly cost |
|---|---|
| State-minimum car insurance in West Virginia | $57.08 |
| Drivers with poor credit in West Virginia | $108.54 |
| Drivers with multiple claims in West Virginia | $112.04 |
| Young drivers in West Virginia | $105.66 |
5 cheapest car insurance companies in West Virginia
The rates you see are based on calculations for a specific West Virginia driver profile, as detailed in our methodology. Unless otherwise noted, our West Virginia driver has the following characteristics: 680 to 719 credit score, age 36 to 45, car value between $20,000 and $30,000 and no tickets or coverage gaps. Your rates may differ based on your profile, so read on for the cheapest car insurance rates for drivers with different ages, credit scores, claims histories and coverage options.
1. Westfield
Westfield offers car insurance coverage through a network of independent agents. In addition to its standard coverage options, Westfield offers optional extras like gap, roadside assistance and uninsured/underinsured motorist coverages.
2. Erie
Founded in 1925, Erie Insurance includes automatic extras such as windshield repair and pet injury coverage, which will help cover vet treatment costs by reimbursing you up to $500 per pet (or $1,000 total) for pets injured in your vehicle in an accident. Standout options include new car replacement coverage, which gives you the true replacement value of your vehicle if it’s totaled. Read reviews of Erie to learn more.
3. USAA
USAA is available to military members and their families. USAA auto insurance is available nationwide with various discount opportunities, including unique savings for deployed military members. The USAA app allows members to manage their policy from their mobile devices. USAA offers standard and optional coverage options. Read reviews of USAA to learn more.
4. Nationwide
Founded in 1926, Nationwide offers car insurance in most states, excluding Alaksa, Hawaii, Louisiana and Massachusetts. The company offers multiple opportunities for deductible and rate discounts and insures a wide array of vehicles. Read reviews of Nationwide to learn more.
5. Encompass
Encompass offers combined coverage for your home, auto and possessions as well as stand-alone home and auto policies. Its standout additional auto coverage options include new car replacement, gap insurance and roadside assistance. Safe drivers can get up to 5% off their next policy premium if no covered driver on their policy has had a chargeable accident in the past year. Encompass also offers discounts for homeowners, good students and drivers who successfully complete an approved defensive driving class. Learn more about Encompass.
Cheapest state-minimum car insurance in West Virginia
If you’re looking for the lowest possible premium, you probably want state-minimum insurance. In West Virginia, the state-minimum insurance policy is 25/50/25.
The following companies have the lowest estimated rates for drivers interested in state-minimum coverage only.
5 cheapest car insurance companies in West Virginia for state-minimum coverage
| 1 | Westfield | $33.69/month |
| 2 | Erie | $34.08/month |
| 3 | USAA | $35.17/month |
| 4 | Nationwide | $37.71/month |
| 5 | Encompass | $38.21/month |
Cheapest car insurance for good credit in West Virginia
One of the biggest factors determining your car insurance cost is your credit. Generally, drivers with good credit have lower premiums than drivers with similar policies but poor credit.
These companies may offer the lowest rates on basic coverage for drivers in West Virginia with good credit.
5 cheapest car insurance companies in West Virginia for those with good credit
| 1 | Erie | $24.94/month |
| 2 | Westfield | $29.34/month |
| 3 | USAA | $30.00/month |
| 4 | Nationwide | $33.11/month |
| 5 | Encompass | $35.92/month |
Cheapest car insurance for poor credit in West Virginia
Drivers who have poor credit will likely pay more for their car insurance. But there are other ways to keep your premium low, like maintaining a safe driving record.
These insurers offer the lowest estimated rates for basic-coverage insurance for West Virginia drivers with poor credit.
5 cheapest car insurance companies in West Virginia for those with poor credit
| 1 | Nationwide | $49.15/month |
| 2 | Westfield | $52.16/month |
| 3 | Encompass | $59.77/month |
| 4 | Erie | $66.08/month |
| 5 | USAA | $67.54/month |
Cheapest car insurance for drivers with multiple claims in West Virginia
Your claims history is another major component of the cost of car insurance. Drivers with multiple claims will likely pay higher premiums than those with just one or no claims on their record.
The following companies have the lowest estimated rates for minimum coverage for drivers with multiple claims by insurance companies.
5 cheapest car insurance companies in West Virginia for multiple claims
| 1 | Erie | $63.00/month |
| 2 | Nationwide | $73.33/month |
| 3 | Westfield | $81.10/month |
| 4 | USAA | $88.56/month |
| 5 | Encompass | $91.63/month |
Cheapest car insurance for young drivers in West Virginia
Insurers also consider your age when calculating the cost of your car insurance. Generally, younger drivers’ policies are more expensive than those for older drivers.
The following companies have the lowest estimated basic-coverage rates for drivers aged 18 to 21.
5 cheapest car insurance companies in West Virginia for young drivers
| 1 | Encompass | $59.29/month |
| 2 | Erie | $63.42/month |
| 3 | Westfield | $66.92/month |
| 4 | Nationwide | $80.88/month |
| 5 | USAA | $84.23/month |
West Virginia auto insurance requirements
West Virginia requires $25,000 per person and at least $50,000 per accident for bodily injury liability. It also requires $25,000 per accident of property damage liability. If you have a car loan or lease, your coverage responsibilities may be more extensive.
Is usage-based insurance available in West Virginia?
Usage-based insurance is a type of vehicle insurance that allows customers to pay premiums based on their driving behavior. West Virginia drivers may be able to save money on their car insurance by participating in UBI programs through their insurers.
FAQs about the cheapest car insurance rates in West Virginia
The state of West Virginia requires all drivers to carry a minimum amount of liability insurance, and to keep proof of insurance in their car. The minimum auto insurance for West Virginia is 25/50/25.
West Virginia is considered an at-fault auto insurance state, which means if you are found to have caused an accident, you and your insurance company will be financially responsible for covering the other driver’s losses and your own.
Methodology
The estimated rates in this article are the lowest based on the profile of a driver aged 36 to 45 living in West Virginia. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for insurance for good credit apply to scores of 720 or higher. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those aged 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.
Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on factors such as age, vehicle driving habits, and history.
The average monthly premium for full coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. The average monthly premium for state-minimum car insurance includes a West Virginia-mandated 25/50/25 car insurance policy.