Get the cheapest car insurance in West Virginia for 2020

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

• Broad coverage, including for custom car parts or ridesharing
• Transparent pricing tools that help you buy within budget
• Accident forgiveness on small claims or for staying claim-free
• Stack a variety of discounts for multiple cars, autopay or homeownership

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• Top auto insurance companies in West Virginia
• List of insurance companies in West Virginia

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Name	Product	Roadside assistance	New car protection	Accident forgiveness	Safe driver discount	Available states
Progressive		Optional			30%	All 50 states	Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.	Get quotes More Info	Compare	loading Fetching your data...
Esurance					40%	All states except AK, DE, HI, MT, NH, VT, WY	Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.	Get quotes More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		55%	All 50 states	Upload your current policy info and get quotes from 20+ companies who could get you a better rate.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			30%	All 50 states	Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.	Get quotes More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	Get quotes More Info	Compare	loading Fetching your data...
Geico		Optional			26%	All 50 states	Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.	More Info	Compare	loading Fetching your data...
Farmers					15%	All 50 states	Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.	More Info	Compare	loading Fetching your data...

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Most popular West Virginia auto insurance companies list

Company	Direct premiums written (billions)	Market share
State Farm	$329,897	25.9%
Erie	$192,215	15.1%
Nationwide	$138,806	10.9%
Geico	$137,516	10.8%
Allstate	$96,977	7.6%
Progressive	$96,503	7.6%
Liberty Mutual	$55,740	4.4%
USAA	$51,801	4.1%
Hartford	$34,061	2.7%
Westfield	$30,942	2.4%

Average car insurance costs in West Virginia

West Virginia came in slightly above the $1,300 national average for auto insurance costs compared to other states in 2017, with most drivers paying about $1,350 annually. Drivers in the most expensive state in the country — Michigan — tend to pay more than $2,300 a year for the same level of coverage.

While a state average is a good guideline for what you’ll pay, your costs also depend on where you live, your age and driving record, among other things. The more risk you present to the insurer, the higher you’ll pay for your premium.

Which city has the cheapest car insurance in West Virginia?

Of West Virginia’s largest cities, Morgantown has the cheapest rates and Princeton has the most expensive car insurance rates. Princeton drivers could face rates 2 times more than Morgantown drivers.

• Wheeling
• Fairmont
• Morgantown
• Princeton
• Clarksburg

West Virginia minimum requirements for car insurance

To legally drive in West Virginia, you’ll need insurance that includes at least:

• $25,000 for bodily injury per person
• $50,000 for bodily injury per accident
• $25,000 for property damage

In addition to liability coverage, you must carry the same minimums for uninsured or underinsured motorist coverage.

Can I get SR-22 insurance in West Virginia?

No, West Virginia is one of the few states that doesn’t require an SR-22 if you’re a current resident. If you move to West Virginia from another state that required you to file an SR-22, you probably need to continue meeting your SR-22 insurance requirements while in West Virginia.

Bottom line

The right car insurance policy can help protect you, your vehicle and other motorists on the road. And in the state of West Virginia, you’re legally required to maintain coverage if you want to drive. Compare the laws and requirements in your state to find the best value on your car insurance coverage.

Frequently asked questions about West Virginia car insurance

• Is there any alternative to getting a car insurance policy in West Virginia?

  No, there isn’t. Most states allow drivers to place large sums of money or cash bonds in a deposit with the state treasury, which allows qualified drivers to get a certificate of financial responsibility. But in West Virginia, it’s car insurance or bust.

• Where can I learn more about SR-22 insurance?

  You can learn more about this conditional coverage by visiting our general guide to SR-22 insurance.

• How can I get a copy of my West Virginia driving record?

  You can get a copy by visiting a local DMV office and filling out forms to request it. You can also request a copy of your record online by visiting the state government website and filling out the forms provided there.

• Will my liability insurance cover me if I'm sued after an accident?

  Yes, up to the coverage limits of your policy. However, any damages awarded beyond your coverage limits will not be covered by your insurance provider.

• Do I have to update the DMV when I move to a new address?

  Yes, you must keep the DMV up to date about where you live so they can send you necessary notifications — for example, if you’re overdue to renew your license plates or if your license is on the verge of suspension.