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Get the cheapest car insurance in West Virginia for 2020

Best cheap car insurance in West Virginia for 2020 | finder.com

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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.

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

Compare West Virginia car insurance providers

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.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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.
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.
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.
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.
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Compare up to 4 providers

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.

Car insurance quotes in Wheeling

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

Car insurance quotes in Fairmont

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

Car insurance quotes in Morgantown

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

Car insurance quotes in Princeton

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

Car insurance quotes in Clarksburg

Company Annual 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.

Get the cheapest quotes

Compare car insurance companies near you.

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Frequently asked questions about West Virginia car insurance

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