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Cheap car insurance in West Virginia

How to get the best car insurance in West Virginia

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West Virginia

Car insurance quick facts

25/50/25

Minimum liability requirements

$1,350

Average annual car insurance cost

30

Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Compare West Virginia car insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
15%
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
State Farm$329,89725.9%
Erie$192,21515.1%
Nationwide$138,80610.9%
Geico$137,51610.8%
Allstate$96,9777.6%
Progressive$96,5037.6%
Liberty Mutual$55,7404.4%
USAA$51,8014.1%
Hartford$34,0612.7%
Westfield$30,9422.4%

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.

Cheapest car insurance in West Virginia

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.

Car insurance quotes in Wheeling

CompanyAnnual car insurance rate
Allstate$1950
Metromile$1225
Progressive$2179
Geico$2283
StateFarm$1425

Car insurance quotes in Fairmont

CompanyAnnual car insurance rate
Allstate$2126
Metromile$1146
Progressive$2376
Geico$2408
StateFarm$1529

Car insurance quotes in Morgantown

CompanyAnnual car insurance rate
Allstate$2126
Metromile$1188
Progressive$2475
Geico$2221
StateFarm$1461

Car insurance quotes in Princeton

CompanyAnnual car insurance rate
Allstate$2084
Metromile$1110
Progressive$2406
Geico$2879
StateFarm$1611

Car insurance quotes in Clarksburg

CompanyAnnual car insurance rate
Allstate$2158
Metromile$1223
Progressive$2273
Geico$2408
StateFarm$1559

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.

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Frequently asked questions about West Virginia car insurance

Which car insurance provider is best for me?

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