Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in West Virginia.

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Updated on Jan 30, 2025

R.E. Fulton

Expert Insurance Writer and Editor

Reviewed by Josh Damico, Head of Insurance Operations

Edited by Lina Zhang, Lisenced Insurance Agent

Learn more about our insurance review board

What's on this page?

How to find the cheapest car insurance quotes in West Virginia
Cheapest car insurance companies in West Virginia
West Virginia Car Insurance Coverage Requirements
West Virginia Car Insurance Rating Factors
How different factors impact the average cost of car insurance in West Virginia
Car Insurance for High-Risk West Virginia Drivers
Car Insurance for West Virginia Drivers With DUI
Car Insurance for West Virginia Drivers With a Coverage Lapse
Car Insurance for Delaware Drivers With a Low Credit Score
West Virginia Car Insurance Cost by Age
Car insurance cost for new vs. old car
West Virginia cheapest car insurance by location
How to lower car insurance costs in West Virginia
Why does car insurance cost this much in West Virginia
FAQs
Methodology
Meet our Experts

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How to find the cheapest car insurance quotes in West Virginia

Car insurance

rates in West Virginia vary among drivers due to their diverse profiles. No single insurance company can guarantee everyone the absolute best car insurance rate

To find the best coverage for your situation, shop around and compare options.

Jerry

has a track record of assisting West Virginia drivers who need affordable car insurance.

Date	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
January 30, 2025	Safeco	$87	Glenn, 35 Charleston, WV	Chevrolet Cruze LT	• 50,000/100,000 Liability • Comp / Collision
January 20, 2025	Clearcover	$112	Alexander, 32 Martinsburg, WV	Hyundai Sonata SE	• 50,000/100,000 Liability • Comp / Collision
January 19, 2025	National General	$144	Belle, 27 Parkersburg, WV	Toyota Camry LE	• State Minimum Liability
January 19, 2025	Progressive	$73	Lillian, 39 Weirton, WV	Ford Focus Titanium	• 100,000/300,000 Liability • Comp / Collision
January 17, 2025	State Auto	$63	Bess, 48 Weston, WV	Chevrolet Avalanche K2500	• State Minimum Liability • Comp / Collision

Last Updated Jan 30, 2025

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Cheapest car insurance companies in West Virginia

We’ve performed a major survey to gather facts about car insurance costs in West Virginia. From factors that will cause rate increases to clever ways to cut costs, we have the ultimate guide to saving you money on car insurance.

Here’s the most important finding: no single company can guarantee the cheapest

car insurance quotes

for every West Virginia driver. Companies and drivers are too unique!

But the data reveals some trends about which companies tend to offer the best rates.

State Farm and Westfield offer the lowest rates for the average driver in West Virginia. Erie, USAA, and GEICO all offer rates that tend to be below the state average. Allstate, Nationwide, and Progressive also offer insurance here, but their prices tend to be higher than average.

Let’s turn to real West Virginia drivers for reviews of these auto insurance companies.

Insurance company	Date	City	Cost rating (out of 5)	What our customer said:
Allstate	January 28, 2025	Martinsburg, WV	5	"I only get liability but for the price I won’t complain. " -Steven
AAA	January 25, 2025	Charleston, WV	3	"Make sure your coverage is what you think it is. I’ve been left in a dangerous situation, stranded on the side of a ...(read more)" -Jeffery
Progressive	January 23, 2025	Huntington, WV	5	"Switching to Progressive has been a great decision. It's been fast & easy to get car insurance. " -Norman
Progressive	January 23, 2025	Weston, WV	4	"Compared to other carriers we’ve used, progressive is the most reasonable " -Lora
Progressive	January 17, 2025	Huntington, WV	4	"So far so good. Have been with progressive roughly 60 days, best rates for insurance coverage I chose. Jerry was ve...(read more)" -Claudia

Last Updated Jan 28, 2025

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

One of the most challenging parts of finding a policy is comparing coverage options and costs. Try a comparison app like Jerry to simplify your car insurance shopping experience.

With Jerry's intuitive app, you can bypass the need to open multiple tabs and extensively research minimum coverage requirements. Jerry’s user-friendly platform provides dedicated support specifically tailored for West Virginia drivers, empowering you to confidently make informed insurance decisions.

Minimum liability and full coverage insurance requirements

Every driver in West Virginia is required by law to carry minimum liability coverage with at least 25/50/25 coverage. This includes property damage liability coverage and bodily injury liability protection.

There are no other mandatory coverages in West Virginia.

Cheapest minimum liability coverage car insurance quotes in West Virginia

What does 25/50/25 mean? Here’s a breakdown of the car insurance requirements for liability in West Virginia:

$25,000 per person of bodily injury liability coverage

$50,000 per accident of bodily injury liability coverage

$25,000 per accident of property damage liability

Drivers must also purchase

West Virginia’s uninsured motorist coverage

with the same limits as for bodily injury liability.

No driver is exempt from this requirement under state law.

Jerry has helped drivers in West Virginia find minimum liability insurance.

Progressive

Sally (35 years old)

Coverage

State Minimum

Martinsburg, WV

Lexus ES 330

$187

per month

Nationwide

Ellen (68 years old)

Coverage

State Minimum

Wheeling, WV

Buick Encore Premium

$77

per month

AAA

Bessie (20 years old)

Coverage

State Minimum

Mount Nebo, WV

Chevrolet Equinox LT

$137

per month

Allstate

Daniel (33 years old)

Coverage

State Minimum

Williamson, WV

Ford Fusion SE

$92

per month

State Auto

Dollie (30 years old)

Coverage

State Minimum

Glen Rogers, WV

Cadillac Escalade ESV Luxury

$219

per month

Clearcover

Charlotte (37 years old)

Coverage

State Minimum

Martinsburg, WV

BMW X5 xDrive35i

$61

per month

Do you need more than minimum coverage in West Virginia?

If you can only afford the minimum coverage, 25/50/25 will keep you legally compliant. However, more coverage offers more protection—and the costs of a major car accident could easily exceed West Virginia’s minimum coverage limits.

Let’s say you cause a serious accident. You’re now financially liable for someone’s lengthy hospital stay, car replacement, and lost wages.

It’s unlikely that 25/50/25 coverage will pay for all of the other party’s costs. Liability-only coverage also does not protect you and your own vehicle.

Ultimately, it’s wise to purchase the highest limits for liability that you can afford.

The bottom line: For better financial protection, consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to purchase a

full coverage

auto insurance policy.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

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Cheapest full coverage car insurance quotes in West Virginia

Protection for you and your car is only available through a full coverage policy, which includes

comprehensive

and

collision coverage

Collision coverage: This coverage will pay for damage caused by collisions—with fence posts or other vehicles.

Comprehensive coverage: This coverage pays for non-collision damage—like vandalism, storm damage, and auto theft.

Do you have a financed vehicle? Your lender may require you to carry full coverage car insurance to protect the vehicle until it’s paid off. Confirm with your lender before you purchase a policy.

Take a look at how much real West Virginia drivers are paying for full coverage.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• 50,000/100,000 Liability • Comp / Collision	Progressive	$99	Hester, 56 Ridgeley, WV	Ford Taurus SE
• State Minimum Liability • Comp / Collision	Nationwide	$77	Ellen, 68 Wheeling, WV	Buick Encore Premium
• 50,000/100,000 Liability • Comp / Collision	Safeco	$143	Frances, 31 Terra Alta, WV	Nissan Rogue Sport S
• 100,000/300,000 Liability • Comp / Collision	AAA	$284	Ian, 37 Harpers Ferry, WV	KIA Soul
• 50,000/100,000 Liability • Comp / Collision	Allstate	$133	Edith, 35 Fairmont, WV	Toyota Camry

Last Updated Jan 25, 2025

Average rates for state minimum liability coverage and full coverage

Car insurance costs about $124 per month or $1,490 per year for minimum liability coverage in West Virginia. If you prefer full coverage car insurance, the average driver can expect to pay about $308 per month or $3,690 per year.

Here’s a quick comparison of those figures.

Insurance coverage	Average insurance cost (monthly)	Average insurance cost (yearly)
State minimum coverage	$91	$1,097
Full coverage	$124	$1,490

Knowing the average rates in West Virginia is wise, so you know what’s possible. But there’s no “average” driver, so don’t be too surprised if your rates vary from the average. Your unique driver profile will trigger unique rates—and unique discounts.

West Virginia car insurance: Additional coverages

There’s a lot more to insurance than liability and full coverage. If you’re looking for protection from additional dangers, here are some other coverages available to West Virginia drivers:

Towing and labor

Rental reimbursement coverage

New car replacement insurance

Personal injury protection

MedPay

Gap insurance

: If you’ve financed your car, consider buying gap insurance. In the event of a total loss, this coverage will cover the gap between what you still owe on the loan and what you’re paid out.

Non-owner car insurance

: If you don’t own a car but borrow or rent frequently, non-owner insurance is a smart way to get liability protection. It follows the driver from car to car—it just doesn’t offer any protection for you or the vehicle.

Not in West Virginia?

Virginia car insurance

Ohio car insurance

Maryland car insurance

North Carolina car insurance

Kentucky car insurance

Pennsylvania car insurance

Delaware car insurance

Indiana car insurance

Car insurance premium by rating factors

It matters where you live, what you drive, and what kind of

driving record

you have.

Here are the factors that could impact your car insurance rates in West Virginia:

Your driving record and claims history: Filing claims and getting tickets is a red flag for insurance companies, so you’ll pay more than the average driver for coverage.

Your credit score: If your credit score is lower than 600, expect to spend much more than average for car insurance. Good credit drivers typically get the best rates.

Zip code: Auto theft rates, traffic accident rates, and weather patterns vary across West Virginia, and your zip code corresponds to a unique risk profile.

Your make and model: Luxury and performance vehicles cost more to insure than standard sedans.

Usage: Frequent commuters will pay more for coverage.

Note that insurance providers have their own formulas for calculating risk. Some weigh certain factors more heavily than others.

How different factors impact the average cost of car insurance in West Virginia

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): West Virginia currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more abut the car insurance rating factors in West Virginia:

Cheapest West Virginia car Insurance after a driving violation

Driving violations have a direct impact on your insurance premiums. When you have many violations on your driving record, insurance companies categorize you as a

high-risk driver

If you’re a West Virginian driver with violations, you can still find car insurance—but you can expect it to come with higher costs compared to a driver with a clean record.

Cheapest car insurance for West Virginia drivers with a speeding ticket

A single

speeding ticket in West Virginia

could negatively impact your rates, especially if you were going more than 15 MPH over the posted speed limit. If you have a

reckless driving conviction

on your record, expect very high rates.

We recommend that all drivers—even drivers with tickets—

shop around

to compare rates. Here are some examples of the cheapest options for West Virginia drivers with speeding tickets.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Speeding 1-5	Progressive	$234	Frederick, 26 Charles Town, WV	• State Minimum Liability • Comp / Collision
Speeding 6-10	Safeco	$213	Lillian, 44 Huntington, WV	• 100,000/300,000 Liability • Comp / Collision
Speeding 11-15	Progressive	$155	Helena, 25 Berkeley Springs, WV	• State Minimum Liability • Comp / Collision
Speeding 16-20	Nationwide	$139	Beatrice, 35 Huntington, WV	• 100,000/300,000 Liability • Comp / Collision
Speeding 21+	Plymouth Rock	$114	Flora, 33 Morgantown, WV	• 15,000/30,000 Liability • Comp / Collision

Last Updated Jan 28, 2025

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Leslie

Pretty great rates for my car & renter's insurance ! Cut my bill in half from when I was with Allstate.

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Cheapest auto insurance in West Virginia after a DUI or DWI

DUI convictions in West Virginia

can cause your rates to skyrocket, not to mention the legal and financial consequences. You could even be denied coverage after a conviction.

Finding insurance after a DUI can be tricky, but we’ve helped West Virginia drivers just like you.

Progressive

Viola (50 years old)

DUI

Coverage

State Minimum

Beckley, WV

Toyota Tundra Double Cab Sr/sr5

$95

per month

Progressive

Frederick (48 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Hedgesville, WV

Hyundai Elantra SEL

$192

per month

Clearcover

Patrick (27 years old)

DUI

Coverage

State Minimum

Weirton, WV

Mitsubishi Lancer OZ Rally

$153

per month

The cheapest West Virginia car insurance companies for SR-22 insurance

Serious driving violations like reckless driving or a DUI might leave you subject to

SR-22 requirements

Sometimes, finding a car insurance provider willing to offer coverage with SR-22 requirements can be a challenge, but there are still plenty of car insurance companies that work with high-risk drivers, and some specialize in doing so.

Cheapest West Virginia auto Insurance after an at-fault accident

If you’ve caused an accident, insurance companies will consider you a risky driver. You can expect higher-than-average premiums with an at-fault accident on your record.

We’ve found reasonable rates for West Virginia drivers who have at-fault convictions on record.

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
At Fault With Injury	Progressive	$96	Catherine, 42 Mcmechen, WV	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Allstate	$133	Jerome, 34 Fairmont, WV	• 50,000/100,000 Liability • Comp / Collision
Not At Fault	Nationwide	$76	Ray, 28 Milton, WV	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Safeco	$112	Mattie, 37 South Charleston, WV	• State Minimum Liability • Comp / Collision
At Fault With Injury	Clearcover	$89	Mabel, 30 Lindside, WV	• State Minimum Liability • Comp / Collision

Last Updated Jan 30, 2025

FAQs

Is West Virginia an at-fault state?

Yes, West Virginia is an at-fault state where the injured party files against the at-fault driver’s policy for damages. In a situation with an uninsured driver, uninsured motorist coverage including property damage and motorist bodily injury coverage will come in handy.

The bottom line: All West Virginia drivers must have at least the minimum liability car insurance—but more coverage is recommended.

Cheapest auto insurance after other violations in West Virginia

From breaking the open container law to failing to stop at a stop sign, minor traffic violations can add up and negatively impact your car insurance rates.

Check out these real rates from West Virginia drivers who have committed common traffic violations.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Careless Driving	Progressive	$108	Rosie, 41 Charles Town, WV	Nissan Altima 2.5	• State Minimum Liability
Defective Equipment	State Auto	$197	Elva, 27 Belle, WV	Ford Ecosport SE	• State Minimum Liability • Comp / Collision
Driving on Sus. License	Safeco	$109	Matilda, 38 Summersville, WV	Cadillac CTS Performance Collection	• State Minimum Liability • Comp / Collision
DUI	Clearcover	$200	Bruce, 25 Triadelphia, WV	Honda Accord EXL	• 100,000/300,000 Liability • Comp / Collision
Failure to Obey Signal	AAA	$177	Myrtle, 55 Vienna, WV	Lexus RX 350	• State Minimum Liability • Comp / Collision
Illegal Turn	Nationwide	$118	Rosetta, 28 Morgantown, WV	Dodge Challenger R/T Scat Pack	• 50,000/100,000 Liability • Comp / Collision
Improper Passing	Progressive	$158	Louise, 34 Martinsburg, WV	Hyundai Genesis 3.8L	• State Minimum Liability • Comp / Collision
Leaving scene of an Accident/Hit and Run	State Auto	$92	Callie, 56 Fisher, WV	Chevrolet Blazer	• State Minimum Liability
Reckless Driving	Dairyland	$205	Tillie, 36 Madison, WV	Ford Explorer Eddie Bauer	• State Minimum Liability
Seat Belt	Plymouth Rock	$114	Victor, 33 Morgantown, WV	Mercedes-Benz E 300 4matic	• 15,000/30,000 Liability • Comp / Collision
Speeding 16-20	Nationwide	$139	Ruby, 35 Huntington, WV	Mercedes-Benz C 300 4matic	• 100,000/300,000 Liability • Comp / Collision
Speeding Violation-Minor	Allstate	$186	Lloyd, 24 Walker, WV	Jeep Cherokee Latitude	• State Minimum Liability • Comp / Collision
Suspension	Clearcover	$168	Sylvia, 26 Hedgesville, WV	Toyota Tundra Crewmax SR5	• State Minimum Liability • Comp / Collision
Failure to show documents	Safeco	$75	Willie, 36 Martinsburg, WV	Toyota Camry Hybrid	• State Minimum Liability • Comp / Collision

Last Updated Jan 26, 2025

Cheapest West Virginia auto insurance based on insurance history

Insurance companies pay attention to any gaps in coverage. A single

lapse

can result in higher premiums.

With Jerry, you'll receive regular reminders to help you avoid coverage gaps.

If you’re facing difficulties finding car insurance after a lapse, use a car insurance comparison tool to find the best rate. Jerry has helped West Virginia drivers who have experienced lapses in finding coverage again.

Progressive

Ola (38 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Wheeling, WV

Nissan Rogue S

$166

per month

Nationwide

Amy (36 years old)

Not Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Princeton, WV

Ford Focus SE

$117

per month

Safeco

Jennie (32 years old)

Currently Insured

Coverage

State Minimum

Aurora, WV

Lincoln MKZ

$126

per month

AAA

Luella (44 years old)

Not Currently Insured

Coverage

State Minimum

Lizemores, WV

Chevrolet Tahoe K1500

$106

per month

State Auto

Lillian (27 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Culloden, WV

Honda Pilot Touring

$146

per month

State Auto

Marcus (37 years old)

Not Currently Insured

Coverage

State Minimum

Iaeger, WV

Chevrolet Traverse LTZ

$135

per month

Cheapest car insurance for West Virginia drivers with poor credit

High or low, your credit score has a big impact on your premium.

Research indicates that people with poor credit tend to make more insurance claims. Therefore, if your credit score is below 600, you’ll probably be charged a higher rate for car insurance in West Virginia.

To paint a picture, here are some sample insurance premiums paid by real drivers with poor credit in West Virginia.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$66	Zachary, 36 Morgantown, WV	Toyota RAV4	• 50,000/100,000 Liability • Comp / Collision
660 - 750	Allstate	$133	Jerome, 34 Fairmont, WV	Toyota Camry	• 50,000/100,000 Liability • Comp / Collision
550 - 659	AAA	$483	Pearl, 31 Princeton, WV	Mitsubishi Outlander Sport SEL	• State Minimum Liability • Comp / Collision
< 550	Allstate	$151	Lewis, 33 Fayetteville, WV	Honda Odyssey EXL	• 100,000/300,000 Liability • Comp / Collision

Last Updated Jan 30, 2025

Cheapest West Virginia car insurance by age

In West Virginia, car insurance premiums can vary depending on your age. Both older and younger drivers may experience certain factors that can influence their coverage costs.

Older drivers, due to potential increased risks in accidents, and younger drivers, due to their limited experience on the road, may be subject to higher insurance premiums.

Cheapest West Virginia car insurance for young drivers

Tough luck for teens—teen drivers in West Virginia under the age of 19 tend to pay the highest rates of all age groups.

What can you expect to pay? Well, here’s a look at real-life examples of young drivers in West Virginia and their corresponding insurance costs.

Progressive

Fannie (17 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Princeton, WV

Chrysler Sebring Touring

$350

per month

Safeco

Anne (24 years old)

Coverage

State Minimum

Oceana, WV

KIA Forte LX

$136

per month

Nationwide

Lily (24 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Wellsburg, WV

Ford Fiesta SE

$242

per month

Allstate

Flora (24 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Weirton, WV

Chevrolet Silverado K1500 Custom

$188

per month

State Auto

Sue (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Lost Creek, WV

Buick Lacrosse

$489

per month

National General

Viola (23 years old)

Coverage

State Minimum

Morgantown, WV

Chevrolet Equinox LS

$82

per month

Cheapest West Virginia car insurance for senior drivers

Senior’s car insurance

rates are typically higher, primarily due to their increased vulnerability to serious injuries in the event of a

car accident

. Car insurance companies take this into consideration when determining coverage rates for older drivers.

Progressive

Jack (65 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Worthington, WV

Nissan Altima 2.5

$376

per month

Safeco

Warren (89 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Grafton, WV

KIA Sorento LX

$251

per month

Nationwide

Anne (68 years old)

Coverage

State Minimum

Wheeling, WV

Buick Encore Premium

$77

per month

Clearcover

Jordan (83 years old)

Coverage

State Minimum

Huntington, WV

Chevrolet Silverado K1500 LT

$119

per month

Gainsco

Grace (65 years old)

Coverage

30,000 per person

60,000 per accident bodily injury

Comp / Collision

Princeton, WV

Mitsubishi Outlander SE

$275

per month

State Auto

Maud (75 years old)

Coverage

State Minimum

Bluefield, WV

Mercedes-Benz C 350

$247

per month

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Cheapest car insurance for popular cars

The car you drive has a big impact on what you pay for insurance. That’s because some models cost more to repair or they’re more likely to be stolen.

Here are some of the

Car insurance cost for new vs. old car

Newer cars cost more to insure in West Virginia and every state. You’ll save a big chunk of change by driving a vehicle older than 10 years old. That’s because the insurance premium reflects the value of the car.

Progressive

Sally (35 years old)

2005 Lexus ES 330

Coverage

State Minimum

Martinsburg, WV

$187

per month

Safeco

Herbert (28 years old)

1995 Toyota Camry LE

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Princeton, WV

$87

per month

Safeco

Milton (41 years old)

2002 Ford F-150 SVT Lightning

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Kopperston, WV

$100

per month

AAA

Lora (30 years old)

1997 Chevrolet Malibu

Coverage

State Minimum

Bluefield, WV

$109

per month

State Auto

Bess (48 years old)

2002 Chevrolet Avalanche K2500

Coverage

State Minimum

Weston, WV

$63

per month

National General

Brian (26 years old)

2003 Honda Accord EX

Coverage

State Minimum

Harrisville, WV

$113

per month

West Virginia cheapest car insurance by location

Your zip code plays a significant role in determining your insurance rate.

Each neighborhood has its distinct risk profile, taking into account factors like traffic accident rates and crime statistics. This means that insurance rates can vary significantly across different locations in West Virginia.

Below, we have compiled real rates from Jerry drivers across West Virginia to give you a sense of what kind of costs you can expect.

City	Customer	Insurance Company	Premium (monthly)	Car	Insurance coverage
Martinsburg, WV	Sally, 35	Progressive	$187	Lexus ES 330	• State Minimum Liability • Comp / Collision
Fairmont, WV	Albert, 35	Allstate	$133	Toyota Camry	• 50,000/100,000 Liability • Comp / Collision
South Charleston, WV	Ricardo, 38	Safeco	$112	Toyota RAV4 XLE	• State Minimum Liability • Comp / Collision
Wheeling, WV	Ellen, 68	Nationwide	$77	Buick Encore Premium	• State Minimum Liability • Comp / Collision
Bluefield, WV	Bertie, 29	AAA	$321	Honda HR-V LX	• State Minimum Liability • Comp / Collision
Martinsburg, WV	Charlotte, 37	Clearcover	$61	BMW X5 xDrive35i	• State Minimum Liability
Princeton, WV	Carl, 65	Gainsco	$275	Mitsubishi Outlander SE	• 30,000/60,000 Liability • Comp / Collision
Martinsburg, WV	Susan, 27	Bristol West	$182	Nissan Sentra SR	• 30,000/60,000 Liability
Parkersburg, WV	Belle, 27	National General	$144	Toyota Camry LE	• State Minimum Liability
Weston, WV	Stanley, 48	State Auto	$63	Chevrolet Avalanche K2500	• State Minimum Liability • Comp / Collision
Morgantown, WV	Maria, 34	Plymouth Rock	$114	Mercedes-Benz E 300 4matic	• 15,000/30,000 Liability • Comp / Collision

Last Updated Jan 27, 2025

How to lower car insurance costs in West Virginia

Here are some valuable tips for West Virginia drivers to help them maximize their savings and find affordable options

Compare quotes every six months before renewing your coverage.

Inquire about available

car insurance discounts

, like the good drivers discount.

Raise your deductible to lower your monthly premium.

Bundle with homeowners or renters insurance for a discount

Adjust your coverage level if your needs allow.

For older vehicles, remove collision and comprehensive coverage (if appropriate).

Look for duplicate coverages and remove them.

Learn more:

11 Ways to lower car insurance

Why does car insurance cost this much in West Virginia

Insurance prices in West Virginia are typically much lower than the national average. Lucky you!

Here are a few reasons that insurance prices are generally so low here:

Lower number of drivers

Low cost of living

Relatively low crime rate

Remember, the average is just a number. Your rate might be different if you live in a highly populous area of West Virginia, for instance.

FAQs

How much is car insurance per month in West Virginia?

You’ll spend about $124 per month (aka $1,490 per year) on state minimum liability coverage. Your costs will more than double if you want the extra protection of full coverage, to $308 per month or $3,690 per year on average.

What is West Virginia minimum insurance?

The state mandates that all West Virginia drivers purchase at least 25/50/25 of liability coverage, which includes both property damage and bodily injury liability protection. These are the minimum requirements for all drivers, but it’s recommended to purchase more coverage.

What is full coverage car insurance in West Virginia?

Full coverage car insurance in West Virginia includes the state’s minimum 25/50/25 liability insurance requirements, comprehensive coverage, and collision coverage.

Is insurance cheaper in West Virginia?

Yes. Drivers in West Virginia tend to pay less than other American drivers for car insurance. But it’s not true across the state—some zip codes have higher risk profiles, so drivers in those areas may pay higher than average costs.

What increases car insurance rates in West Virginia?

Multiple factors influence car insurance rates in West Virginia. Your driving record, insurance history, location, age, and the type of vehicle you drive are just some of the variables that affect your West Virginia car insurance rates.

Who has the best cheap auto insurance in West Virginia?

State Farm and USAA offer some of the cheapest car insurance rates in West Virginia, if you can qualify. But there’s no single company that will guarantee the best rates for every driver, so you’ll need to shop around to find the best rate for your unique profile.

Can your car get towed for no insurance in West Virginia?

Yes. If you’re caught driving with no insurance, police may suspend your registration on the spot. In this case, your car will have to be towed.

Car insurance policies follow the car. Through something called permissive use, you can permit your friends to borrow your car temporarily and they’ll be covered under your policy. The same goes if you borrow a friend’s car. So long as the car is listed on a policy, you’re covered while driving.

Another option is non-owner coverage, which follows the driver instead of the car. This allows someone who does not own a vehicle to enjoy liability protection no matter which car they drive.

Do you need insurance to register a car in West Virginia?

Yes. In order to successfully register a car in West Virginia, you’ll need to show proof of insurance that meets the state minimum levels.2 You’ll also need a valid driver’s license along with other identity and vehicle-related documentation.

Can you have out of state car insurance in West Virginia?

It’s not a problem to drive through West Virginia with out-of-state insurance. But once you officially become a resident of West Virginia, you should get a policy that adheres to

Wisconsin car insurance laws

for coverage. Otherwise, any future claims could be denied.

Is PIP required in West Virginia?

No, PIP is not even available for West Virginia drivers.

Can you have both PIP and MedPay in West Virginia?

No. Since PIP is not available, your only option is MedPay (Medical Payments) for healthcare-related coverage after a car accident.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

15 Years Working in Insurance

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.

Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

Learn more about our

insurance review board

and our

editorial standards

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.