Updated: November 21, 2024
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In West Virginia, car insurance costs differ based on the coverage level. Full coverage averages around $1,337 annually, while minimum coverage costs about $633 per year.
Your age, coverage level, location, driving record, and credit history affect your premium. Insurers assess these factors to gauge the likelihood of a claim. It's important to understand how these aspects affect your premium to find a balance between cost and protection.
West VirginiaCar InsuranceCostsWhy Trust MoneyGeek? MoneyGeek compiled data from Quadrant Information Services and the West Virginia Department of Insurance to determine average costs for drivers across West Virginia. We used sample driver profiles that reflect insurers' typical criteria to determine premiums.
These rates reflect the average cost of car insurance in West Virginia as of November 2024.
West Virginia's average full coverage car insurance cost is $1,337 annually, $111 monthly. Comparing car insurance quotes helps ensure you get a fair rate.
Whether you choose minimum or full coverage, the figures below provide a clear idea of what you might spend on auto insurance each month or year.
| 100/300/100 Full Cov. w/$1,000 Ded. | $1,337 | $111 |
| 100/300/100 Liability Only | $810 | $67 |
| State Minimum Liability Only | $633 | $53 |
Car insurance costs in West Virginia are fairly moderate. The state's average annual premium for full coverage is $1,337, slightly cheaper than the national average of $1,358 annually. For minimum coverage, West Virginia averages $633 annually, which is $5 more than the national average of $628.
Several factors affect these rates, including West Virginia's lower population density, average traffic, and typical weather conditions, which do not significantly increase insurance risks. The state's competitive insurance market and the lower rates of uninsured drivers also help to keep premiums at a moderate level. State laws governing minimum coverage requirements also influence overall insurance costs.
Car insurance premiums vary across companies, even within the same state. In West Virginia, Westfield offers the most affordable full coverage at $1,043 annually, while Allstate has the most expensive average premium of $1,712.
Compare quotes from different providers to find the cheapest car insurance in West Virginia. Shopping around can lead to significant savings and a policy that fits your needs.
| Westfield | $1,043 | $87 |
| Erie | $1,210 | $101 |
| GEICO | $1,213 | $101 |
| Progressive | $1,304 | $109 |
| State Farm | $1,395 | $116 |
| Nationwide | $1,483 | $124 |
| Allstate | $1,712 | $143 |
The cost of car insurance in West Virginia is also influenced by your chosen level of coverage. Monthly costs for minimum coverage average at $53, whereas full coverage with a $1,000 deductible averages $111. Despite being more expensive, a full coverage insurance policy is often recommended because it can protect against a wider range of incidents and provide more substantial financial coverage.
Adding comprehensive and collision coverage to your policy raises your premium, but selecting higher deductibles may help alleviate these costs. Each comprehensive and collision coverage comes with its individual deductible amount, which is the money you'll need to pay out of pocket in case of a claim before insurance kicks in.
| State Minimum Liability Only | $633 | $53 |
| 100/300/100 Liability Only | $810 | $67 |
| 300/500/300 Liability Only | $991 | $83 |
| State Minimum Liability w/ Full Cov. w/$1,000 Ded. | $1,234 | $103 |
| State Minimum Liability w/ Full Cov. w/$1,500 Ded. | $1,237 | $103 |
| State Minimum Liability w/ Full Cov. w/$500 Ded. | $1,318 | $110 |
| 100/300/100 Full Cov. w/$1,000 Ded. | $1,337 | $111 |
| 100/300/100 Full Cov. w/$1,500 Ded. | $1,340 | $112 |
| 100/300/1000,000 - 500 comp_coll | $1,421 | $118 |
| 300/500/300 Full Cov. w/$1,000 Ded | $1,435 | $120 |
| 300/500/300 Full Cov. w/$1,500 Ded. | $1,437 | $120 |
| 300/500/300 Full Cov. w/$500 Ded. | $1,518 | $126 |
In West Virginia, the minimum car insurance requirements include $25,000 for bodily injury liability per person, $50,000 per accident, $25,000 for property damage liability per accident and equal limits for uninsured/underinsured motorist coverage.
$25,000 for bodily injury liability per person
In West Virginia, drivers must carry at least $25,000 in bodily injury liability coverage for each person injured in an accident.
$50,000 for bodily injury liability per accident
The state minimum for West Virginia mandates $50,000 in bodily injury liability per accident to cover multiple injured parties.
$25,000 for property damage liability per accident
Drivers in West Virginia must carry $25,000 in property damage liability coverage for damage to another person's property.
$25,000 uninsured motorist bodily injury per person
West Virginia law requires $25,000 coverage for bodily injuries per person caused by an uninsured motorist.
$50,000 uninsured motorist bodily injury per accident
For accidents involving uninsured drivers, West Virginia requires a minimum of $50,000 coverage for bodily injuries per accident.
$25,000 uninsured/underinsured property damage coverage
State minimum coverage in West Virginia includes $25,000 for property damage caused by an uninsured or underinsured driver.
In West Virginia, car insurance costs vary with age. Drivers aged 22 to 29 pay the most, about $1,610 a year. Rates drop for drivers aged 30 to 59, averaging $1,337 annually. Seniors 60 and older pay the least, around $1,286 per year. Older drivers are often seen as more experienced and less risky, leading to lower insurance costs.
| 22-29 | $1,610 | $134 |
| 30-59 | $1,337 | $111 |
| 60 + | $1,286 | $107 |
In West Virginia, both age and gender impact car insurance rates significantly. A 16-year-old male driver added to his family's car insurance policy faces an average annual cost of $2,698, the highest premium bracket among all ages. Teens under 18 typically cannot buy car insurance without a guardian co-signing, with individual policies costing even more, averaging $5,748.
In West Virginia, the average annual cost for full coverage car insurance is $1,110 for a 2012 model, but it rises to $1,451 for a 2022 model. Newer cars cost more to insure due to their higher actual cash value, repair costs and theft risk.
Experts recommend adding comprehensive and collision coverages to protect against various types of damage and losses, providing better financial security.
| 2012 Vehicle | $1,110 | $92 |
| 2022 Vehicle | $1,451 | $121 |
The actual cash value (ACV) of your vehicle dictates the payout from your insurance company for comprehensive or collision claims. It represents your car's market value, accounting for depreciation, at the claim's time, not the replacement cost or purchase price. Insurers use ACV to determine the maximum claim payment after a covered incident.
Car insurance costs in West Virginia average differently based on your driving record:
In West Virginia, violations can greatly raise your insurance rates. The kind of violation can significantly influence your premiums. More severe violations will lead to higher costs and continue to affect your rates while they remain on your record. Minor violations usually have a shorter impact.
The table below shows average insurance costs by coverage type and age group for different driving records in West Virginia.
| Clean | $1,337 | $111 |
| Ticket | $1,564 | $130 |
| At-fault Accident | $1,877 | $156 |
| DUI | $2,160 | $180 |
West Virginia's car insurance costs vary with credit scores. Drivers with excellent credit scores pay around $804 annually, while those with poor scores face premiums up to $1,598. A good credit score (670 to 739) often results in lower rates, while scores below 670 can lead to higher premiums.
| Excellent | $804 | $67 |
| Good | $985 | $82 |
| Fair | $1,154 | $96 |
| Below Fair | $1,337 | $111 |
| Poor | $1,598 | $133 |
Understanding the average cost of car insurance in West Virginia means examining the specific factors that influence rates in the Mountain State. Here are key elements to consider:
To secure affordable car insurance in West Virginia, compare quotes, raise your deductible and take full advantage of car insurance discounts. These strategies can immediately lead to more economical rates for your minimum coverage or full coverage policy.
Compare Quotes
Regularly comparing quotes can lead to finding the cheapest car insurance in West Virginia. Prices vary by provider, so it's important to shop around.
Increase Deductibles
Opting for higher deductibles can lower your premiums. Ensure the deductible is affordable in case of a claim.
Maintain a Clean Driving Record
A clean driving record with no accidents or violations can significantly reduce insurance costs.
Bundle Policies
Bundling auto insurance with other policies like homeowners insurance can unlock discounts and lead to more affordable rates.
Look for Discounts
Insurers offer various discounts, such as for safe driving, good students or military affiliation. Always ask your provider about potential savings.
Drive a Car with Safety Features
Vehicles equipped with safety features may qualify for lower insurance rates. Features like anti-lock brakes and airbags can make a difference.
Review Coverage
Ensure you're not overpaying for insurance by reviewing your coverage needs annually. Adjusting your coverage can lead to savings.
We offer insights and information to help West Virginia drivers find affordable car insurance that suits their needs.
The minimum car insurance requirements in West Virginia include bodily injury liability coverage at $25,000 per person, $50,000 per accident and property damage liability coverage of $25,000 per accident. Having at least this minimum coverage is important to drive legally in West Virginia.
The average yearly cost for full coverage car insurance in West Virginia is $1,337, while minimum coverage averages $633 annually. West Virginians pay about $111 monthly for full coverage and $53 for minimum coverage.
The average cost of car insurance for a 22-year-old in West Virginia for a full coverage policy with 100/300/100 limits and a $1,000 deductible is $1,610 annually or about $134 per month. For 100/300/100 liability-only coverage, the average annual cost is $936 or roughly $78 monthly. Minimum coverage averages $729 per year or about $61 per month.
Westfield offers the most affordable full coverage in West Virginia at $1,043 annually, while Erie provides competitive rates at $1,210 yearly. For those seeking the cheapest car insurance companies in West Virginia, Westfield and Erie also lead in minimum coverage at $371 and $481 per year, respectively.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
