Westfield leads West Virginia with the lowest rates, charging $30 monthly for minimum coverage and $95 for full coverage. Choosing Westfield saves drivers $25 per month (28%) below state averages. Get quotes from Erie, GEICO, State Farm and Allstate too.
Cheapest Car Insurance in West Virginia
Updated: October 4, 2025
Advertising & Editorial Disclosure
Key Takeaways
Westfield Insurance, Erie Insurance and GEICO are the cheapest car insurance companies for most West Virginia drivers, with average savings of up to 28%.
Car insurance costs can be as low as $25 monthly for minimum coverage and $77 for full coverage policies on average in West Virginia.
To get the cheapest car insurance in West Virginia, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in West Virginia?
| Westfield Insurance | $30 | $95 | -28% | $-25 |
| Erie Insurance | $36 | $92 | -27% | $-23 |
| Geico | $42 | $92 | -23% | $-20 |
| State Farm | $49 | $119 | -4% | $-3 |
| Allstate | $76 | $142 | 24% | $21 |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
Have auto insurance questions?Chat with Charlie now.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN WEST VIRGINIA
We've created additional guides below to help you in your search for the best and cheapest car insurance in West Virginia:
Best Car Insurance Rates by Category in West Virginia
Westfield offers the most affordable rates in West Virginia, leading in five out of our 10 driver categories, while Erie provides the cheapest coverage in three categories, particularly for young drivers and those with accidents. Find your specific rates in the table:
| Young Drivers | Erie Insurance | $68 |
| Adult Drivers | Westfield Insurance | $30 |
| Senior Drivers | Westfield Insurance | $43 |
| Drivers With An Accident | Erie Insurance | $45 |
| Drivers With A DUI | State Farm | $53 |
| Drivers With A Speeding Ticket | Erie Insurance | $39 |
| Drivers With Bad Credit | Westfield Insurance | $62 |
| Drivers With Low Income | Westfield Insurance | $40 |
| Drivers With Newer Cars | Geico | $51 |
| Drivers With Old Cars | Westfield Insurance | $29 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers are 16 to 25 years old, adults are 26 to 64 and seniors are 65 and older.
Compare the Cheapest Car Insurance in West Virginia for You
The tables above show overall winners, but your cheapest option depends on your profile. Adult drivers with poor credit and an accident record who want 100/300/100 full coverage with a $1,000 deductible save most with Erie. Filter the table to match your situation:
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Erie Insurance | $114 | $1,362 | -28% | $-518 |
| State Farm | $133 | $1,592 | -15% | $-288 |
| Westfield Insurance | $140 | $1,676 | -11% | $-204 |
| Geico | $145 | $1,741 | -7% | $-139 |
| Progressive | $159 | $1,913 | 2% | $33 |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in West Virginia by City
Westfield Insurance offers the most affordable minimum coverage rates in 13 of West Virginia's 19 largest cities analyzed, while Erie Insurance claims five markets and GEICO secures one community. This competitive landscape creates accessible insurance options across the state's metropolitan areas as of October 2025.
Minimum coverage costs across West Virginia's major cities range from $26 to $39 monthly. Charles Town residents enjoy the state's lowest rates at $26 monthly through Westfield Insurance, while Huntington drivers pay the highest premiums at $39 monthly with Erie Insurance. Most cities maintain rates between $27 and $32 monthly, with Westfield Insurance typically delivering the most affordable options across the state.
| Beckley | Erie Insurance | $35 | -28% | $-24 |
| Bluefield | Erie Insurance | $35 | -26% | $-22 |
| Bridgeport | Westfield Insurance | $28 | -25% | $-19 |
| Charleston | Westfield Insurance | $31 | -25% | $-22 |
| Charles Town | Westfield Insurance | $26 | -30% | $-23 |
| Clarksburg | Westfield Insurance | $28 | -25% | $-20 |
| Cross Lanes | Westfield Insurance | $29 | -28% | $-24 |
| Fairmont | Westfield Insurance | $28 | -25% | $-19 |
| Huntington | Erie Insurance | $39 | -25% | $-23 |
| Martinsburg | Westfield Insurance | $27 | -30% | $-24 |
| Morgantown | Westfield Insurance | $28 | -27% | $-21 |
| Oak Hill | Westfield Insurance | $28 | -28% | $-22 |
| Parkersburg | Westfield Insurance | $29 | -27% | $-23 |
| South Charleston | Westfield Insurance | $31 | -24% | $-21 |
| St. Albans | Erie Insurance | $36 | -25% | $-22 |
| Teays Valley | Westfield Insurance | $30 | -28% | $-24 |
| Vienna | Westfield Insurance | $28 | -30% | $-25 |
| Weirton | Geico | $36 | -27% | $-21 |
| Wheeling | Erie Insurance | $32 | -26% | $-20 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in West Virginia by Driver Age Group
We analyzed car insurance rates across West Virginia for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young drivers can get the lowest rates from Westfield Insurance, starting at $66 per month.
- Adult drivers find the best deal with Westfield Insurance, with rates from $30 per month.
- Senior drivers save the most with Westfield Insurance, beginning at $43 per month.
Cheapest Car Insurance for Young Drivers in West Virginia
For young drivers in West Virginia, Westfield Insurance has the cheapest rates, averaging $66 per month ($792 annually), which is about 51% below the state average. Erie Insurance is close behind at $68 monthly, while Geico averages $113 per month. State Farm and Allstate are higher, ranging from $118 to $180 monthly.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Westfield Insurance | $66 | $792 | -51% | $-818 |
| Erie Insurance | $68 | $818 | -49% | $-792 |
| Geico | $113 | $1,355 | -16% | $-255 |
| State Farm | $118 | $1,415 | -12% | $-195 |
| Allstate | $180 | $2,165 | 34% | $555 |
*The rates shown reflect individual policies. Younger drivers may qualify for lower premiums when added to a family policy instead of purchasing coverage on their own. Drivers under 18 must meet specific state requirements and may need parental consent or supervision as mandated by West Virginia law.
Cheapest Car Insurance for Adult Drivers in West Virginia
Adult drivers in West Virginia can get the lowest premiums with Westfield Insurance, averaging $30 per month ($362 annually) — nearly 47% cheaper than the state average. Erie Insurance and Geico follow at $36 and $44 monthly, while State Farm averages $49. Farmers is the most expensive among the group at $76 per month.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
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Driving Record:Clean
| Westfield Insurance | $30 | $362 | -47% | $-323 |
| Erie Insurance | $36 | $430 | -37% | $-256 |
| Geico | $44 | $529 | -23% | $-156 |
| State Farm | $49 | $583 | -15% | $-103 |
| Farmers | $76 | $916 | 34% | $231 |
Cheapest Car Insurance for Senior Drivers in West Virginia
Senior drivers in West Virginia pay the least with Westfield Insurance, at $43 per month ($520 annually) — about 44% below the state average. Erie Insurance and Geico average $51 and $53 per month, while State Farm costs $63. Allstate is the highest at $109 monthly.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Westfield Insurance | $43 | $520 | -44% | $-401 |
| Erie Insurance | $51 | $606 | -34% | $-315 |
| Geico | $53 | $633 | -31% | $-289 |
| State Farm | $63 | $761 | -17% | $-161 |
| Allstate | $109 | $1,312 | 42% | $391 |
Cheapest Car Insurance for High-Risk Drivers in West Virginia
Your driving record is one of the biggest factors affecting car insurance rates in West Virginia. Drivers with a clean history pay the lowest premiums, while violations such as texting while driving, speeding tickets, accidents or DUIs can notably raise costs. The table below highlights the cheapest providers in West Virginia based on different driving records.
- Cheapest for Bad Credit: Westfield Insurance (from $63/mo)
- Cheapest With a DUI: State Farm (from $52/mo)
- Cheapest With an Accident: Erie Insurance (from $44/mo)
- Cheapest With a Speeding Ticket: Westfield Insurance (from $35/mo)
- Cheapest With a Texting Violation: Westfield Insurance (from $35/mo)
Cheapest Car Insurance for Bad Credit in West Virginia
Drivers with poor credit in West Virginia save the most with Westfield Insurance, averaging $63 per month ($755 annually), which is 61% cheaper than the state average. GEICO and Erie Insurance cost $100 and $102 monthly, while Progressive and Allstate are much higher at more than $170 per month.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Driving Record:Clean
| Westfield Insurance | $63 | $755 | -61% | $-1,202 |
| Geico | $100 | $1,203 | -39% | $-754 |
| Erie Insurance | $102 | $1,225 | -37% | $-733 |
| Progressive | $171 | $2,047 | 5% | $90 |
| Allstate | $172 | $2,064 | 5% | $107 |
Cheapest Car Insurance With a DUI in West Virginia
For drivers with a DUI, State Farm offers the lowest premiums at $52 per month ($628 annually), about 41% below the state average. Erie Insurance follows at $58, while Geico costs $69 per month. Westfield Insurance and Allstate are more expensive, averaging $91 and $99 monthly.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| State Farm | $52 | $628 | -41% | $-443 |
| Erie Insurance | $58 | $694 | -35% | $-377 |
| Geico | $69 | $829 | -23% | $-242 |
| Westfield Insurance | $91 | $1,093 | 2% | $22 |
| Allstate | $99 | $1,187 | 11% | $116 |
Cheapest Car Insurance With an Accident in West Virginia
West Virginia drivers with an at-fault accident get the cheapest rates from Erie Insurance, averaging $44 per month ($533 annually), about 41% below the state average. Westfield Insurance and State Farm follow at $49 and $57 monthly, while Geico averages $58. Progressive is the highest at $98 per month.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Erie Insurance | $44 | $533 | -41% | $-369 |
| Westfield Insurance | $49 | $584 | -35% | $-318 |
| State Farm | $57 | $685 | -24% | $-218 |
| Geico | $58 | $697 | -23% | $-205 |
| Progressive | $98 | $1,180 | 31% | $277 |
Cheapest Car Insurance With a Speeding Ticket
For speeding violations, Westfield Insurance is the cheapest option at $35 per month ($423 annually), 49% lower than the state average. Erie Insurance costs $39 monthly, while State Farm and Geico average $52 and $58. Allstate has the highest premiums at $95 per month.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Westfield Insurance | $35 | $423 | -49% | $-413 |
| Erie Insurance | $39 | $467 | -44% | $-369 |
| State Farm | $52 | $628 | -25% | $-208 |
| Geico | $58 | $700 | -16% | $-136 |
| Allstate | $95 | $1,146 | 37% | $310 |
Cheapest Car Insurance With a Texting While Driving Violation
Drivers in West Virginia with a texting-while-driving violation can find the lowest premiums with Westfield Insurance, at $35 per month ($423 annually), about 50% below the state average. Erie Insurance and State Farm follow at $39 and $52 monthly, while Geico costs $60. Farmers is the most expensive at $101 per month.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Westfield Insurance | $35 | $423 | -50% | $-425 |
| Erie Insurance | $39 | $467 | -45% | $-381 |
| State Farm | $52 | $628 | -26% | $-220 |
| Geico | $60 | $723 | -15% | $-125 |
| Farmers | $101 | $1,212 | 43% | $364 |
How to Get the Cheapest Car Insurance in West Virginia
Knowing what the cheapest companies are isn't all you need to know to save the most money on car insurance in West Virginia. Here are proven ways to save the most on auto insurance:
- 1
Compare insurers in rural and urban areas
Premiums in West Virginia differ between urban centers like Charleston and Huntington and the state’s many rural counties. Because rural drivers often face fewer accidents but longer commutes, comparing quotes from at least three insurers is the best way to find affordable coverage.
- 2
Meet West Virginia’s minimum requirements
The state requires 25/50/25 liability coverage and uninsured motorist coverage at 25/50. These limits keep you legal but may not be enough to cover medical or repair costs after a serious accident.
- 3
Use available discounts in West Virginia
Most insurers offer savings for bundling, maintaining good grades, and safe-driver programs. Some carriers also provide discounts for completing defensive driving courses, particularly for seniors. Telematics programs are increasingly popular and can reduce rates for drivers with good habits.
- 4
Match coverage to local risks
Rural drivers face risks from wildlife collisions, especially deer, while mountain driving increases accident risks during winter. Comprehensive and collision coverage are valuable in these situations. Drivers in urban areas may benefit from full coverage because of theft and heavier traffic.
- 5
Keep a clean record and good credit
Insurers in West Virginia weigh credit scores and driving history heavily. Maintaining both can lead to lower long-term premiums.
- 6
Apply through WVAIP if denied
The West Virginia Automobile Insurance Plan ensures access to liability coverage for drivers who cannot secure a policy in the voluntary market. Rates are higher, so this option should only be used when necessary.
Risks of Getting the Cheapest Car Insurance in West Virginia
West Virginia requires drivers to carry liability insurance with minimum coverage of 25/50/25. This means you need $25,000 for injuries to one person, $50,000 total for injuries in one accident and $25,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In West Virginia, average property damage claims hit $4,300, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
West Virginia gets hit with severe weather that damages cars regularly. The National Centers for Environmental Information reports weather-related property damage averaged $3,200 per incident. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against floods, storms and severe weather that frequently hit West Virginia.
Bodily injury damage is more likely to be higher than the minimum limits
West Virginia's minimum bodily injury coverage of $25,000 per person often isn't enough for serious accidents. The Insurance Information Institute reports average bodily injury claims reached $20,000. With rising medical costs, consider increasing coverage to 50/100/50 for better financial protection against lawsuits.
Not having uninsured motorist coverage opens you up to unexpected costs
West Virginia has a serious uninsured driver problem, with 14% of drivers lacking insurance according to the Insurance Research Council. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Add uninsured motorist coverage to protect yourself financially in these situations.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in West Virginia, according to National Insurance Crime Bureau statistics. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so adding comprehensive coverage is worth it in high-risk areas.
Minimum Coverage Requirements in West Virginia
West Virginia requires all drivers to maintain liability insurance before operating a vehicle. The state follows an at-fault system, meaning the driver responsible for a crash must pay for the damages. Insurance policies must include liability coverage and uninsured motorist protection.
These limits meet state requirements, though many residents opt for higher limits to ensure stronger financial security.
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability (Per Person) | $25,000 per person |
Bodily Injury Liability (Per Accident) | $50,000 per accident |
Property Damage Liability | $25,000 per accident |
Uninsured Motorist Bodily Injury | $25,000 per person / $50,000 per accident |
Cheap Car Insurance in West Virginia: Bottom Line
Westfield offers the lowest car insurance rates in West Virginia for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in West Virginia: FAQ
Below, we answer common questions about finding affordable car insurance coverage in West Virginia.
What are the cheapest car insurance companies in West Virginia?
Westfield provides the most affordable car insurance in West Virginia, with average annual rates of $359 for minimum coverage and $1,144 for full coverage. Erie, GEICO, State Farm and Allstate also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in West Virginia?
Erie provides the most affordable rates for young drivers in West Virginia, with monthly premiums starting at $68 for minimum coverage.
Who offers the cheapest car insurance rates for seniors in West Virginia?
Senior drivers in West Virginia can find the most competitive rates with Westfield, offering policies for those 65 and older at an average of $43 per month for minimum coverage.
Who has the cheapest car insurance in West Virginia for bad credit?
Westfield provides the most affordable rates for bad-credit drivers in West Virginia, with monthly premiums averaging $62 for minimum coverage and $191 for full coverage.
Who has the cheapest car insurance in West Virginia with an accident?
Erie offers the most affordable car insurance rates for West Virginia drivers with an accident history, starting at $45 per month for minimum coverage.
Who has the cheapest car insurance in West Virginia with a DUI?
State Farm provides the cheapest car insurance after a DUI in West Virginia, with rates of $53 monthly for minimum coverage and $126 monthly for full coverage.
Who has the cheapest car insurance in West Virginia for those with a speeding ticket?
West Virginia drivers with a speeding ticket can find the lowest insurance rates with Erie, charging $39 monthly for minimum coverage and $101 for full coverage.
Should you buy the cheapest car insurance in West Virginia?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. Westfield balances low prices with solid coverage options in West Virginia.
How We Found the Most Affordable Car Insurance in West Virginia
MoneyGeek collected auto insurance data from the West Virginia Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in West Virginia.
West Virginia Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in West Virginia
We compared car insurance companies in West Virginia that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in West Virginia.
The minimum coverage liability limits in West Virginia are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
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
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed October 8, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed October 8, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed October 8, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed October 8, 2025.
