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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
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% |
What's in this guide?
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.
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Frequently asked questions about West Virginia car insurance
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