Westfield offers the most affordable minimum coverage for low-income drivers with clean records in West Virginia, regardless of credit history. State Farm is often cheaper for those with a DUI.
Cheapest Low-Income Car Insurance in West Virginia
Updated: February 6, 2025
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Key Takeaways
West Virginia doesn’t have a low-income car insurance program, but you can find affordable plans that meet state minimum coverage requirements.
Low-income drivers can consider Westfield, Erie, GEICO and State Farm as their top options for affordable coverage.
Comparing providers and exploring discounts are effective ways for low-income drivers to save on car insurance.
Cheapest Car Insurance Companies for Low-Income Drivers in West Virginia
| Erie | Young Drivers | $49 |
| Westfield | Adults | $37 |
| Westfield | Seniors | $35 |
| Westfield | Drivers With a Speeding Ticket | $37 |
| State Farm | Drivers With a DUI | $50 |
| Westfield | Drivers With an Accident | $46 |
| Westfield | Bad Credit | $51 |
*All rates in this table, except for adults, are based on a modified profile of a 40-year-old driver with good credit and a clean record insuring a 2012 Toyota Camry. The age ranges are 22 to 29 for young drivers, 30 to 59 for adults, and 60+ for seniors.
Compare Cheap Low-Income Car Insurance Providers
Use the table below to find affordable insurance providers that match your driver profile.
Data filtered by:Results filtered by:
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Age Range:30-59
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Driving Record:Clean
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| Westfield | $37 | $446 |
| Erie | $40 | $481 |
| State Farm | $45 | $541 |
| GEICO | $53 | $633 |
| Progressive | $58 | $700 |
Cheapest Car Insurance for Families With Low Income in West Virginia
Nationwide offers the lowest monthly rates for low-income married couples in West Virginia: $51 for those with a teen and $37 for those without. Single parents with a teen find the best rate from State Farm at $101.
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Family Type:Married Couple with Teen
| Nationwide | $614 | $51 |
| Allstate | $708 | $59 |
| GEICO | $821 | $68 |
| State Farm | $978 | $81 |
| Progressive | $1,587 | $132 |
*Rates for couples and single parents with teens apply to a 16-year-old driver. Those for a married couple without children are based on a 40-year-old male with good credit and a clean driving record.
Tips to Save On Car Insurance for Low-Income Drivers
Consider these practical tips to help lower your premiums and find affordable coverage:
- 1
Choose minimum coverage
Minimum coverage typically meets legal obligations at the lowest cost. It offers essential protection but won't cover all expenses if you're in an at-fault accident.
- 2
Compare quotes
Gather quotes from various insurers to identify the most affordable option. For a thorough evaluation, explore provider websites, brokers, agents and online comparison tools.
- 3
Look for discounts
Insurance companies offer discounts for good students, safe drivers and military personnel. Consider taking the state's defensive driving course for further savings.
- 4
Increase your deductible
To reduce premiums, opt for a higher deductible on collision or comprehensive coverage. Ensure you can afford it if you need to submit a claim.
- 5
Consider pay-per-mile insurance
Pay-per-mile insurance combines a base rate with a per-mile charge, saving you money by paying only for the distance you drive.
- 7
Get a cheaper car to insure
A vehicle's make, model and year affect insurance costs due to repair and replacement expenses. Choosing a cheaper car to insure, like an older and more reliable model, can significantly lower your premium.
Minimum Car Insurance Requirements in West Virginia
West Virginia drivers must meet these minimum car insurance requirements:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
If you're leasing or financing a car, you'll need a split of 100/300/100 liability coverage, along with comprehensive and collision protection.
WHY MINIMUM COVERAGE MAY NOT BE RIGHT FOR YOU
Minimum car insurance covers the other driver's costs if you're at fault but doesn’t cover your car's repairs or legal bills. If you drive frequently and have the budget, consider additional coverage for better protection.
Cheap Low-Income Car Insurance in West Virginia: Bottom Line
Westfield offers the most affordable car insurance for most low-income drivers in West Virginia. High-risk drivers can find the cheapest options, such as Westfield for speeding tickets or accidents and State Farm for DUIs. Compare providers through different methods to get the best deal.
Low-Income Auto Insurance in West Virginia: FAQ
Saving on car insurance can be hard for low-income drivers. Get answers to common questions about reducing premiums.
What is the cheapest car insurance for low-income drivers in West Virginia?
Minimum coverage is often the most affordable option for low-income drivers. However, financed or leased vehicles may require more comprehensive coverage. Westfield has the lowest monthly minimum and full coverage rates in West Virginia at $37 and $95, respectively.
Does West Virginia have a state-supported low-income car insurance program?
West Virginia has no state-supported car insurance program to assist low-income drivers.
Does your income affect the cost of car insurance in West Virginia?
West Virginia insurers consider factors like driving history, not income, for setting premiums.
How We Chose the Cheapest Car Insurance for Low-Income Drivers
Study Overview
MoneyGeek evaluated West Virginia auto insurance rates using data from the West Virginia Offices of the Insurance Commissioner and Quadrant Information Services.
Data Acquisition, Depth and Analysis
MoneyGeek analyzed 328,384 quotes from 14 companies across 370 ZIP codes to determine the average cost of car insurance for drivers with low income in West Virginia.
Sample Driver Profile
We used a sample driver profile with the following attributes to determine average car insurance rates for low-income drivers in West Virginia:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
To determine rates for specific driver profiles, we adjusted factors such as age, family status, driving history and credit standing.
Our study defines seniors as 60 or older, young drivers as 22 to 29 and adults as 30 to 59. Married couples with a child include 40-year-old male and female drivers with a 16-year-old teen. Single parents with children are 40-year-old male or female drivers with a 16-year-old teen.
Coverage Levels and Deductibles
Our data shows rates for minimum coverage, which follows West Virginia's legal requirements and offers affordable options for low-income drivers.
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.