Cheap Car Insurance in West Virginia (2024)
Where to get the cheapest rates in WV:
- State Farm has the cheapest full-coverage car insurance for West Virginia drivers.
- Erie offers the lowest average rate for liability-only car insurance.
- Westfield is the state’s cheapest company for drivers with bad credit.
Cheapest full-coverage car insurance in West Virginia: State Farm
State Farm has the cheapest car insurance for West Virginia drivers looking for full-coverage policies, charging an average rate of $1,268 a year.
USAA is the overall cheapest car insurance company in West Virginia, with an average rate of $1,046 a year. However, it only sells insurance to active duty and veteran military, as well as their families.
Cheapest companies for full-coverage car insurance
| Company | Average annual rate |
|---|---|
| State Farm | $1,268 |
| Erie | $1,272 |
| Westfield | $1,481 |
| Progressive | $1,899 |
| Geico | $2,011 |
| Allstate | $2,284 |
| Nationwide | $2,346 |
| USAA* | $1,046 |
*USAA only available to active duty military, veterans and their families.
Full-coverage car insurance typically combines liability, collision and comprehensive coverage. Collision coverage takes care of damage to your vehicle after an accident. Comprehensive coverage handles the costs of noncollision damage, such as a falling tree limb or theft.
West Virginia state law doesn’t require you to carry full-coverage car insurance. However, if you’re financing your car, your lender will probably require it as part of your finance agreement.
Cheapest liability car insurance in West Virginia: Erie
For West Virginians looking for the most affordable liability car insurance, Erie has the cheapest average rate of $399 a year. State Farm is the next-cheapest, at $423 a year.
Cheapest companies for liability car insurance
| Company | Average annual rate |
|---|---|
| Erie | $399 |
| State Farm | $423 |
| Westfield | $439 |
| Nationwide | $847 |
| Allstate | $863 |
| Geico | $885 |
| Progressive | $1,096 |
| USAA* | $318 |
Also known as “minimum car insurance,” liability car insurance protects you if you injure someone or damage their property in an accident. Unlike full-coverage car insurance, however, it doesn’t cover damage to you or your vehicle.
Cheapest rates for young drivers in West Virginia: Erie
For West Virginia teen drivers looking for liability car insurance, Erie has the cheapest rates of $879 a year. Westfield is next, averaging $1,366 a year.
Cheapest liability car insurance companies for teen drivers
| Company | Average annual rate |
|---|---|
| Erie | $879 |
| Westfield | $1,366 |
| State Farm | $1,391 |
| Geico | $2,011 |
| Allstate | $2,859 |
| Nationwide | $3,158 |
| Progressive | $4,175 |
| USAA* | $861 |
Teens usually pay the highest rates for car insurance of any age group due to their lack of driving experience. So if you’re looking into saving money on car insurance for a teen in your home, put them on your current policy. This will raise your current premium, though it should still come out cheaper than if you each had your own policies.
Cheapest rates after a speeding ticket in West Virginia: State Farm
State Farm has the cheapest car insurance after a speeding ticket in West Virginia, with rates that average $1,346 a year. Erie has the next-cheapest rate, $1,396 a year.
Cheapest car insurance companies after a ticket
| Company | Average annual rate |
|---|---|
| State Farm | $1,346 |
| Erie | $1,396 |
| Westfield | $1,481 |
| Geico | $2,318 |
| Progressive | $2,491 |
| Allstate | $2,544 |
| Nationwide | $2,822 |
| USAA* | $1,207 |
A speeding ticket stays on your record for five years. You’ll probably pay higher car insurance rates during that time.
Cheapest rates after an accident in West Virginia: State Farm
State Farm has the cheapest car insurance for West Virginians with an accident on their records, charging $1,443 a year, on average. Erie also offers an affordable average rate of $1,539 a year.
Cheapest car insurance companies after an accident
| Company | Average annual rate |
|---|---|
| State Farm | $1,443 |
| Erie | $1,539 |
| Westfield | $2,126 |
| Progressive | $2,965 |
| Geico | $3,093 |
| Allstate | $3,237 |
| Nationwide | $3,515 |
| USAA* | $1,468 |
An accident stays on your record for five years in West Virginia. Higher rates are likely during that time frame.
Best rates after a DUI in West Virginia: Erie
If you have a driving under the influence (DUI) conviction in West Virginia, Erie has the cheapest DUI insurance rates of $1,989 a year. Progressive is the next-cheapest option, charging an average $2,631 a year.
Cheapest car insurance companies after a DUI
| Company | Average annual rate |
|---|---|
| Erie | $1,989 |
| Progressive | $2,631 |
| State Farm | $2,990 |
| Allstate | $3,079 |
| Westfield | $3,418 |
| Geico | $3,577 |
| Nationwide | $4,406 |
| USAA* | $1,883 |
Drivers with a DUI pay the highest car insurance rates of any demographic. A DUI stays on your record for at least five years in West Virginia. Most drivers in this situation pay higher car insurance premiums during that time.
Best rates in West Virginia for bad credit: Westfield
For West Virginia drivers with poor credit status, Westfield offers the lowest average car insurance rate of $2,097 a year. Erie is the next-cheapest choice, at $2,934 a year.
Cheapest car insurance companies with poor credit
| Company | Average annual rate |
|---|---|
| Westfield | $2,097 |
| Erie | $2,934 |
| Geico | $2,977 |
| Nationwide | $3,038 |
| Progressive | $3,095 |
| Allstate | $3,498 |
| State Farm | $5,242 |
| USAA* | $1,958 |
Many car insurance companies see a link between your credit score and how likely you are to file a claim. That said, some states restrict or prohibit credit-based car insurance quote calculation.
Insurance rates by city in West Virginia
Of the 25 largest cities in West Virginia, Martinsburg residents enjoy the cheapest car insurance rates — $1,477 a year, on average. Beckley residents pay the highest average rate, $1,698 a year.
Cheapest car insurance rates by city
| City | Average annual rate |
|---|---|
| Beckley | $1,698 |
| Bluefield | $1,648 |
| Bridgeport | $1,615 |
| Charles Town | $1,502 |
| Charleston | $1,677 |
| Cheat Lake | $1,612 |
| Clarksburg | $1,616 |
| Cross Lanes | $1,668 |
| Dunbar | $1,673 |
| Elkins | $1,677 |
| Fairmont | $1,592 |
| Huntington | $1,677 |
| Hurricane | $1,681 |
| Martinsburg | $1,477 |
| Morgantown | $1,596 |
| Moundsville | $1,569 |
| Oak Hill | $1,632 |
| Parkersburg | $1,602 |
| Pea Ridge | $1,689 |
| South Charleston | $1,671 |
| St. Albans | $1,687 |
| Teays Valley | $1,679 |
| Vienna | $1,608 |
| Weirton | $1,554 |
| Wheeling | $1,559 |
Where you live is one of several car insurance rate factors companies consider when calculating your quote. Other factors include:
- Make and model of your car
- Your age
- Driving record
- Insurance claim history
- Annual mileage
Minimum coverage for car insurance in West Virginia
West Virginia drivers must carry at least these liability car insurance coverage limits:
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage per accident
- $25,000 property damage coverage
While these limits may seem high, a claim tied to a long hospital stay or court case can easily surpass them. Any claim-based costs that go over your policy limits will have to be paid out of pocket. To avoid this, consider raising your liability limits to what your budget can handle.
Methodology
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver in West Virginia. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $50,000 per person, $100,000 per accident if required in that state
- Personal injury protection: Minimum limits if required in that state
- Collision: $500 deductible
- Comprehensive: $500 deductible
*USAA only available to active duty military, veterans and their families.