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Get Cheap Car Insurance in West Virginia
We monitor insurance prices, helping the average driver in West Virginia save up to 34.4% on car insurance.
The Cheapest Minimum Coverage in West Virginia
The chart below shows the cheapest car insurance company in West Virginia for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Westfield, Safeco Insurance, and Erie Insurance.
| West Virginia Insurer | Monthly Cost |
|---|---|
| State Farm | $49 |
| Westfield | $50 |
| Safeco Insurance | $52 |
| Erie Insurance | $60 |
Savings for Every Kind of West Virginia Driver
Based on our extensive insurance data, we know the average West Virginia driver will save about 20% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $317 per year by choosing the right vehicle insurance company. Some West Virginia residents are paying out over $1,546 extra every year for auto insurance in West Virginia. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
West Virginia Savings / Yr. |
|---|---|
$317 |
|
$674 |
|
$500 |
|
$637 |
|
$1,792 |
|
$389 |
|
$445 |
West Virginia Car Insurance vs. the United States
People living in West Virginia pay an average of 1.57% more than the typical driver in the nation. The average driver in West Virginia can expect to pay about $829 per year, or $1,546 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in West Virginia for most people.
Car Insurance Prices by West Virginia Neighborhood
Insurance Prices
Where is insurance cheapest within West Virginia?
The map shows insurance prices in and around West Virginia, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $545 per year within the state boundaries, with insurance premiums ranging from a high of $1,858 to a low of $1,313. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northeast parts of West Virginia.Pick the Best Car Insurance Company for You in West Virginia
The best car insurance provider for most drivers in West Virginia
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $317 over the average West Virginia car insurance company.
The best car insurance provider for West Virginia drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $674 over the competition.
The best car insurance company for West Virginia drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $500 better than other car insurance companies.
The best auto insurance for West Virginia drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $637 less each year.
The least expensive car insurance company for new and young drivers in West Virginia
In West Virginia, State Farm costs young drivers $1,792 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in West Virginia
State Farm gave the largest car insurance discounts to married couples, averaging $389 saved each year compared to an average West Virginia couple's premiums.
The cheapest car insurance in West Virginia for drivers with bad credit
The best West Virginia car insurance company for customer service
Nationwide was the best company for customer service in West Virginia according to the NAIC.
Recent price drops
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The cheapest large national provider in West Virginia
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average West Virginia driver can expect to pay about $101 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In West Virginia, USAA has the best prices for drivers with speeding tickets, good drivers, young drivers, drivers with bad credit, drivers with a DUI conviction, drivers with accidents, and married couples.Auto Insurance Prices in and Around West Virginia
What Influences the Cost of Car Insurance in West Virginia?
On average, car insurance in West Virginia is actually less expensive than the rest of the nation. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the state are influenced by the following factors:
- The average commute time in West Virginia is 31 minutes, which is about the national average for a driver in the nation.
- West Virginia state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in West Virginia are lower than average in the nation, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- West Virginia is a lightly populated area in the nation. The state’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in West Virginia is $69 per month for minimum coverage and $129 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby States
- Virginia: Insurance costs 36.29% less
- Ohio: Insurance costs 45.47% less
- District of Columbia: Insurance costs 61.77% more
- Maryland: Insurance costs 48.19% more
- Pennsylvania: Insurance costs 12.23% less
- North Carolina: Insurance costs 32.54% less
- Kentucky: Insurance costs 96.57% more
- Delaware: Insurance costs 49.35% more
- Indiana: Insurance costs 35.51% less
- South Carolina: Insurance costs 14.55% more
States with Similar Populations
- South Carolina: Insurance costs 14.55% more
- Massachusetts: Insurance costs 4.14% more
- Michigan: Insurance costs 262.81% more
- Minnesota: Insurance costs 11.32% more
- Mississippi: Insurance costs 25.94% more
- Missouri: Insurance costs 40.04% more
- Ohio: Insurance costs 45.47% less
- Oklahoma: Insurance costs 31.31% more
- Oregon: Insurance costs 1.81% less
- Rhode Island: Insurance costs 114.10% more