Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Get the cheapest car insurance in West Virginia

Best cheap car insurance in West Virginia for 2021

The average annual cost of car insurance in West Virginia is $1,350. Narrow down car insurers offering coverage in West Virginia by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
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.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
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.
Root
52%
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.
Savvy
Optional
Depends on provider
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.
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
loading

Compare up to 4 providers

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.

Most popular West Virginia auto insurance companies list

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.

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.

Frequently asked questions about West Virginia car insurance

More guides on Finder

    Ask an Expert

    You are about to post a question on finder.com:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

    Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
    Go to site