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Get the cheapest car insurance in West Virginia

Best cheap car insurance in West Virginia for 2022

West Virginia drivers pay an average of $1,096.80 per year for car insurance according to the National Association of Insurance Commissioners (NAIC), that’s about $91.40 per month. West Virginia drivers pay about 8% less than the countrywide national average of $1,189.64.

The NAIC takes into account all car insurance policies within the state such as drivers who select only state minimum coverage, as well as policies that include various levels of comprehensive and collision coverage. Because car insurance rates are influenced by personal factors, you could find yourself paying significantly less.

West Virginia car insurance quick facts

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Minimum liability requirements

25/50/25

Average annual car insurance cost according to the NAIC

$1,096.80

At-fault state

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

West Virginia state minimum car insurance requirements

Drivers in West Virginia are required to carry a minimum amount of liability coverage to legally drive. You may see it written as 25/50/25, but we’ll break down what that means.

    Bodily Injury Liability

    West Virginia bodily injury liability

    • $25,000 bodily injury liability per person
    • $50,000 bodily injury per accident

    West Virginia requires $25,000 in bodily injury liability per person and $50,000 of bodily injury per accident. That’s right in line with what most states require for this type of coverage.

    This means $25,000 is the most your insurer will pay for a single person injured by you in an at-fault accident. And $50,000 is the maximum amount your insurer will pay if there is more than one person injured by you in an at-fault accident. Any costs outside of your bodily injury limit are required to come out of your pocket.

    Property damage liability

    West Virginia property damage liability

    • $25,000 property damage liability

    West Virginia requires drivers to carry $25,000 of property damage liability to legally drive. This is the highest required property damage limit across the US, but it’s common among states.

    This means $25,000 is the maximum amount your car insurance company will pay towards damages you cause to another person’s car or property, such as repairs to a car, fence or building. You’ll have to pay out of pocket for any costs beyond your property damage liability limit.

    Uninsured or underinsured motorist

    West Virginia uninsured motorist

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

    West Virginia requires all drivers to carry $25,000 of uninsured motorist bodily injury per person, $50,000 uninsured motorist bodily injury per accident and $25,000 in uninsured motorist property damage to legally drive. Near half of the states across the US require some sort of uninsured motorist coverage, though some other states let you opt-out.

    This coverage protects you if you get hit by an uninsured or underinsured driver. It pays for your car’s damage or medical bills to you and your passengers.

    Finder tip: West Virginia state minimum coverage isn’t enough

    These state-mandated requirements are the lowest amount of coverage you need to legally drive in West Virginia, but may fall short if you’re in a major accident. To avoid high out-of-pocket costs after an accident, consider raising your liability limits by balancing coverage, your budget and what you can afford to pay out of pocket for certain damage.

    In West Virginia, the driver at fault pays for damage

    West Virginia is an at-fault state, which means that the driver who causes the car accident pays for the damage. Your insurance company and legal authorities will figure out who’s at fault, based on the accident details.

    However, West Virginia also looks at whether both drivers are partially at fault under a modified comparative fault law, according to the legal website Nolo. Under this law, both drivers are assigned a percentage of fault. Drivers with less than 50% of fault can get reimbursed for their damages from other drivers.

    For example, if you’re 80% at fault for an accident, your insurance will pay 80% of the other driver’s damages. However, since you’re more than 50% at fault, the other driver isn’t required to pay for your damages.

    7 factors that affect your car insurance premium in West Virginia

    Car insurance companies use factors specific to you to set how much you’ll pay for car insurance. The less risk in each of your factors means you’ll pay less, whereas higher risk factors mean you’ll pay more. We break down West Virginian’s rating factors to keep in mind.

    FactorHow it affects your rates
    Age

    Age

    Driver age is one of the top factors when determining car insurance rates. Each year you drive gives you more experience that can equal lower rates. The average annual rates for a 25-year-old man are approximately $1,450 vs. $1,100 for their 60-year-old counterpart.
    Gender

    Gender

    Studies have shown that women statistically drive less, experience fewer and less serious accidents, and get charged fewer DUIs than men. This results in women paying less than men for their annual car insurance.

    For example, a 25-year old woman can expect to pay an average annual rate of around $1,390 compared to a man of the same age category, who pays around $1,450. In the 60-year-old category, women can pay approximately $1,070 annually vs. $1,100 for men.

    Location

    Location

    Living in less densely populated areas can account for lower insurance rates. For example, the largest city is Charleston with a population of approximately 46,500 and average car insurance rates of $1,210. In contrast, West Virginia’s smallest city of Martinsburg with around 17,400 people sees average yearly car insurance rates of $1,050.
    Vehicle and mileage

    Vehicle and mileage

    Your vehicle’s make, model and trim package all affect your insurance rates. Add any aftermarket and performance-enhancing modifications, and your rates will be even higher. Considerations like the chances of your car getting stolen, your model’s safety rating and its overall cost also make a difference. Cheaper, safer vehicles score the lowest rates compared to luxury, high-powered rides.

    Typically, insurance companies use your mileage to help determine your car insurance rates. If you drive around 6,000 miles annually, expect an average rate of $1,180. Double that mileage to 12,000 miles a year and you’ll see your rates climb to about $1,230.

    Credit score

    Credit score

    Insurance companies use drivers’ credit scores to help calculate a car insurance rate. Low credit scores in West Virginia will set you back more than $800 annually over those with good credit. Annual rates for those with low credit average out to about $2,070 vs. those with good credit at approximately $1,230.
    Coverage

    Coverage

    Drivers in West Virginia must have coverage for the minimum liability limits. Drivers must also have the same liability coverage for uninsured drivers in the same amounts as the minimum. These limits work out to 25/50/25 for each.

    More coverage means more protection — and higher monthly premiums. But if you choose full coverage with collision and comprehensive, your deductible also comes into play: The higher your deductible, the lower your monthly premiums will be. If full coverage is feasible, it can provide you peace of mind in the event of an accident.

    Driving Record

    Driving Record

    Your driving record will reflect the level of your car insurance rates. Average rates for drivers with a clean record come out to about $1,230, and rates for drivers with one accident rank around $1,470. Contrast those prices with records that have one accident at $1,710, and one DUI at $1,870, respectively.

    Can I get SR-22 insurance in West Virginia?

    No, West Virginia is one of the few states that doesn’t require you to file an SR-22 if you have serious driving violations on your record. In most states, if you’re caught driving and driving, have too many speeding tickets, or are found driving without insurance, the state lets you know if you need to file an SR-22 to get your license back. It’s a certificate that proves you have enough coverage to meet your state’s minimum insurance requirements. However, 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.

    Coverage you may want in West Virginia

    West Virginia already has decent minimum requirements for insurance. But if you want some extra coverage for yourself, we have some suggestions.

    Comprehensive coverage for the unexpected

    West Virginia requires you to carry $25,000 bodily injury liability per person, $50,000 bodily injury per accident, and uninsured motorist coverage – which is all great. But what about events not involving a car accident? That’s where comprehensive coverage comes in. It can cover your vehicle in the event of a storm or water damage, falling objects, hitting an animal, fire, theft, and more.

    West Virginia has a 127.2 vehicle theft rate per 100,000 inhabitants, which is low compared to the average, reported by Statista. However, if your car is stolen and never recovered and you don’t carry comprehensive insurance you’d be left to replace your vehicle on your own. Additionally, weather damage or flooding can devastate a car, as well as your wallet. Look into comprehensive coverage if you heavily rely on your vehicle day to day.

    Consider comprehensive coverage if . . .

    • You depend on your vehicle.
    • You can’t afford expensive, unpredictable repairs out of pocket.
    • You live in an area with a high theft rate.
    • Your area is known for severe weather.
    • Your financing and your lender requires it.

    Gap insurance for high car loan amounts

    Gap insurance covers the “gap” between what you owe on your car loan and your vehicle’s value. Gap stands for guaranteed asset protection. If you were to get into an accident that totals the car or it’s stolen and never recovered, regular auto insurance only pays out what your vehicle’s value was at the time of the event. If you owe more on your auto loan than what your car’s worth, then you’re not likely to get a big enough payout from your insurance company to pay off your car loan. This can be a big pain, because then you still have to pay for a loan on a vehicle you can’t drive or don’t have anymore.

    For drivers that have expensive auto loans and/or brand new vehicles, gap insurance can be worth it. It’s relatively inexpensive too, often only costing $20 a year or around $2 a month. It’s also common for leasing companies to require this insurance in addition to full coverage.

    Consider gap insurance if . . .

    • You have a brand new car loan and haven’t paid very much yet.
    • Your loan balance is high.
    • You tack on the miles and lower your car’s value quickly.
    • You don’t have the funds to replace or repair a vehicle out of pocket.
    • Your lender or lessor requires it.

    Medical payments coverage for the uninsured West Virginians

    Health coverage can be pricey for many people. If you have high copays and/or deductibles, or you don’t have health insurance at all, then medical payments coverage may be worth looking into. Also called med pay, this coverage can help you pay for medical costs after a vehicle accident. It can cover things likes ambulance rides, hospital stays, and even help pay for your passenger’s medical costs.

    Consider medical payments coverage if . . .

    • Your health insurance has high upfront costs.
    • You don’t have health insurance.
    • You don’t have the available income to pay for costly medical bills out of pocket.

    Top 10 auto insurance companies in USA that serve West Virginia

    We’ve pulled the top 10 companies by market share that offer coverage in West Virginia according to S&P Global. Compare top companies by three major rating agencies along with our overall score.

    • Better Business Bureau (BBB) rating measures how a business interacts with its customers, with the highest rating being A++.
    • J.D. Power determines customers’ overall satisfaction with their car insurer’s price, billing, claims and customer support. The higher the J.D. Power score out of 1,000, the better.
    • NAIC complaint index shows how a company’s number of complaints compares to similar companies of its size. Scores lower than 1.00 show the company receives less than the average number of complaints, and scores above 1.00 show more complaints than average.
    • Finder’s score shows you an overall look at the company by taking into account scores from each of these agencies as well as the coverage and discounts each company offers.
    Provider
    BBB Rating
    JD Power Rating
    NAIC complaint ratio
    National market share %
    Finder score
    Go to site
    State Farm
    A+
    847/1000
    1.93
    16.2

    ★★★★★ 4/5

    Read review

    Geico
    A+
    832/1000
    1.42
    13.6

    ★★★★★ 4/5

    Read review

    Progressive
    A+
    830/1000
    1.05
    13.3

    ★★★★★ 4/5

    Get Quotes
    Allstate
    A+
    827/1000
    2.71
    10.4

    ★★★★★ 4/5

    Get Quotes
    USAA
    A+
    884/1000
    1.9
    6.3

    ★★★★★ 4/5

    Get Quotes
    Farmers
    A-
    820/1000
    1.64
    4.9

    ★★★★★ 4/5

    Read review

    Liberty Mutual
    A+
    827/1000
    2.2
    4.7

    ★★★★★ 4/5

    ;

    Get Quotes
    Nationwide
    A+
    814/1000
    2.08
    2.3

    ★★★★★ 4/5

    Read review

    Auto Club Exchange
    A+
    NR
    NR
    1.4

    ★★★★★ 4/5

    Get Quotes
    The Hartford
    A+
    833/1000
    NR
    0.7

    ★★★★★ 3.5/5

    Get Quotes

    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

    Compare car insurance providers in West Virginia

    Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
    Allstate
    Yes
    Yes
    Drivewise
    Yes
    All 50 states
    Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

    Speak to an agent: 877-526-1527

    Progressive
    loan/lease coverage
    Yes
    Snapshot
    Yes
    All 50 states & DC
    Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
    Pretected
    Yes
    Depends on provider
    No
    No
    All 50 states
    Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
    Root
    No
    Yes
    Telematics only
    Yes
    Available in 31 states
    Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
    The AARP Auto Insurance Program from the Hartford
    Yes
    Yes
    TrueLane®
    No
    All 50 states
    Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
    USAA
    No
    Yes
    SafePilot
    Yes
    All 50 states & DC
    Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
    Branch
    Yes
    No
    Yes
    Yes
    AZ, CO, IL, IN, MD, MO, OH, OK, TX and WI
    Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
    Liberty Mutual
    Yes
    Yes
    RightTrack
    Yes
    All 50 states & DC
    Earn free accident forgiveness after five years claims-free and customize your policy anytime.

    Speak to an agent: 877-336-0538

    Nationwide
    Yes
    No
    Yes
    Yes
    All states except AK, HI, LA, MA
    Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service.
    Savvy
    Yes
    Depends on provider
    No
    Yes
    All states & DC
    Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
    Sigo Seguros
    Sigo Seguros
    No
    Yes
    No
    Yes
    Texas
    Sigo Seguors is an online-based car insurance company catering to the Spanish-speaking community. Texans can get a free quote and sign up online in minutes.
    AAA
    Yes
    Yes
    No
    Yes
    AK, AZ, CA, MT, NV, UT and WY
    Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in AK, AZ, CA, MT, NV, UT and WY.
    Elephant
    loan/lease coverage
    Yes
    No
    No
    GA, IL, IN, MD, OH, TN, TX, VA
    Get a great deal online with steep discounts and some of the highest liability limits available.
    State Farm
    No
    Yes
    Drive Safe and Save
    Yes
    All 50 states
    Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value.

    Speak to an agent: 877-745-0232

    Allied
    Yes
    Yes
    Nationwide SmartRide
    No
    AZ, CA, CO, DE, FL, GA, ID, IL, IN, IA, KS, MD, MI, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI& WY
    Finding the right auto insurance doesn’t have to be confusing. Allied Insurance has a network of independent agents to help you get customized coverage for your unique needs.
    Assurance
    Yes
    Yes
    No
    Yes
    All states except AK & HI
    This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
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    Compare up to 4 providers

    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

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