Cheapest Car Insurance in West Virginia

Westfield offers affordable car insurance in West Virginia, with an average monthly rate of $31 and an annual cost of $371 for minimum coverage. This rate is $262 less than the state's average. These figures are from Quadrant Information Services, showing the cheapest rates for December 2024. Read our research methodology to learn how we found the cheapest West Virginia car insurance.

Westfield is the cheapest car insurance company for most drivers, with an average monthly cost of $59. This rate is much lower than the state average of $82. Erie, GEICO, State Farm and Progressive also offer affordable rates.

We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.

Westfield offers the most affordable car insurance for both state minimum and full coverage. However, your rate depends on your background. Check the table below to find the cheapest car insurance rates for various driving profiles in the Mountain State.

Read More: Cheapest Car Insurance

Along with the cheapest rate offered by Westfield, Erie, State Farm and GEICO also provide cheap minimum liability coverage for drivers in the Mountain State. Use the table below to explore rates for similar companies with the best minimum coverage rates and see how they compare to the monthly state average.

Westfield is the cheapest provider for full coverage auto insurance in West Virginia, averaging $87 per month or $1,043 annually. This cost is $25 less than the state's average. Check the table below for more provider options.

In West Virginia, young adult drivers find GEICO the most budget-friendly. A typical state minimum policy with GEICO costs just $48 a month for 25-year-olds.

We used minimum coverage for a 25-year-old driver with good credit and no driving violations to determine the cheapest provider.

Young drivers in the Mountain State can find affordable auto insurance with GEICO and Westfield. GEICO offers the cheapest minimum coverage at $48 per month and full coverage at $107. Westfield is ideal for those with bad credit, accidents or speeding tickets. Rates depend on your driving record, but these companies are a good starting point.

Read More: Cheapest Car Insurance for Young Drivers

Senior drivers in the Mountain State can find the lowest rates with Westfield. The average monthly cost for a 65-year-old's minimum coverage is $29.

We used minimum coverage for a 65-year-old driver with good credit and no driving violations to determine the cheapest provider.

Westfield offers some of the lowest rates for senior drivers in the Mountain State — $29 for minimum coverage and $81 for full coverage. State Farm is a good option for those with a DUI, starting at $47. Your quote may differ, but you can use the table below as a guide.

Read More: Cheapest Car Insurance for Seniors

Drivers in West Virginia with a DUI, at-fault accident or speeding ticket are considered high-risk to insurers, leading to higher car insurance costs compared to those with clean records. Premiums for high-risk drivers vary depending on the specific offense. Below are the best rates for West Virginia drivers with a DUI, at-fault accident and speeding ticket.

State Farm offers the best rates for West Virginia drivers with DUIs, averaging $50 per month ($597 per year) for minimum coverage insurance. Check the table below for a list of insurance providers and their average monthly premiums for drivers with DUIs in the Mountain State.

We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.

With rates averaging $38 per month ($460 per year), Westfield is the cheapest company for drivers after an at-fault accident. The table below shows other insurers offering affordable minimum coverage for drivers with accidents on their records.

We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.

Westfield offers the cheapest insurance for drivers with speeding tickets, averaging $31 per month or $372 per year. Check the table below to compare providers offering minimum coverage.

We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.

Westfield offers the cheapest car insurance for drivers with poor credit scores, with rates at $42 monthly and $504 annually. Check the table below for more options.

These rates are based on a 40-year-old driver with bad credit and a clean driving record.

For Mountaineers looking to bundle home and auto insurance, State Farm is the most affordable at $2,027. Check the table below for more affordable bundling options.

Rates are for a 40-year-old driver with good credit and no driving violations.

In West Virginia, the monthly average cost for full coverage car insurance is $111, while state minimum coverage is about $53. Understanding these average costs can help you evaluate whether you're getting a fair deal on your auto insurance.

Car insurance in West Virginia is affordable, ranking 21st among all states. Its lower rates can be attributed to factors like its sparse population, fewer natural disasters and a vehicle theft rate that's below the national average.

Under West Virginia law, all drivers must have car insurance policies meeting the state's minimum coverage limits. These limits include $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $25,000 for property damage per accident.

If you finance or lease your car, you must purchase comprehensive and collision insurance on top of the state minimum coverages. While the minimum liability auto insurance policy is the most affordable option, it provides the least financial protection. Experts often suggest opting for full coverage insurance with the highest deductible and liability limits that fit your budget.

Drivers with serious traffic violations, like speeding or drunk driving, may need to file for SR-22 insurance, which can increase their premiums. In West Virginia, you or your insurance provider can file the SR-22 form. It remains valid for three years from your most recent offense.

In the Mountain State, the most common car insurance alternative is a bond or deposit with the state. This option allows drivers to meet the state's minimum coverage requirements without purchasing traditional insurance. It involves placing a bond or deposit of $50,000 with the state, ensuring financial responsibility in case of an accident.

For business owners, self-insurance is an alternative. If you have a fleet of vehicles and meet specific financial criteria, you can opt for self-insurance. This means you set aside funds to cover potential claims instead of paying premiums to an insurance company.

MoneyGeek recommends that drivers opt for full coverage car insurance. This includes not just liability insurance but also collision and comprehensive coverage. Here's what we suggest for liability limits:

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $100,000 in property damage per accident

Comprehensive coverage covers off-road harm to your car from events like theft, vandalism or natural disasters. On the other hand, collision coverage is there to pay for damages if your vehicle is involved in a crash on the road.

If your car has a high value, it's wise to have both comprehensive and collision insurance, even if it's not required by law. Choose a deductible for these coverages that you can comfortably afford in case you need to pay it before your insurance covers the remaining costs.

Westfield has the most affordable full coverage at $87 and minimum coverage at $31 for W.V. drivers. Cheap rates are great, but the cheapest might not offer all you need. Always try to get the most coverage you can afford for the safest driving.

MoneyGeek answers questions about cheap car insurance in West Virginia. We help ensure you get the right coverage for your needs.

MoneyGeek obtained West Virginia auto insurance rates from the West Virginia Department of Insurance and Quadrant Information Services. We examined 5,896 auto insurance quotes from eight providers across eight ZIP codes to determine the most affordable car insurance companies in West Virginia.

West Virginia Driver Profile

We used a driver profile with the following background information to identify the cheapest auto insurance companies in West Virginia:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model and military service where specified.

Standard Coverage Levels in West Virginia

We compared West Virginia car insurance companies that offer minimum and full coverage policies. Minimum coverage liability limits in West Virginia are:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $25,000 for property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident
• $25,000 uninsured/Underinsured property damage coverage

For full coverage policy rates, we used the following liability limits:

• $100,000 for bodily injury liability per person
• $300,000 for bodily injury liability per accident
• $100,000 for property damage liability
• Comprehensive and collision coverage with a $1,000 deductible

Home and Auto Coverage Levels in West Virginia

MoneyGeek analyzed the rates of insurance companies for a full coverage auto insurance policy that includes the following coverage and limits:

• $100,000 in property damage liability
• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• Comprehensive and collision coverage with a $1,000 deductible

We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:

• $250,000 dwelling coverage
• $25,000 other structures coverage
• $100,000 personal property coverage
• $25,000 loss of use coverage
• $100,000 personal liability coverage
• $1,000 medical payments coverage
• All-perils coverage with a $1,000 deductible