Average Car Insurance Cost in West Virginia (2025 Rates)

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25 Years of insurance experience

78.5M Quotes reviewed

170 Insurance providers evaluated

34.5K ZIP codes analyzed

A full coverage car insurance policy costs around $2,557 a year or $213 per month for West Virginia drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $577 a year.

Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium.

Average annual cost
$2,557

Average per month cost
$213

Average cost for state minimum coverage
$651 / Year

Cheapest car insurance company
GEICO($1,934 / Year)

Average cost for young drivers
$4,207 / Year

Average cost for Senior drivers
$2,444 / Year

Average car insurance cost in West Virginia

If you’re a resident of West Virginia, full coverage car insurance typically costs about $213 per month, adding up to $2,557 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $48, or $577 annually.

The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.

Cheapest car insurance companies in West Virginia

If you’re looking for affordable insurance, GEICO tops the list of the cheapest car insurance companies. Its average annual cost is $1,934 per year or $161 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

Erie Insurance also provides affordable insurance rates in West Virginia for a full coverage policy at an average annual insurance cost of $2,092 or $174 monthly.

While these companies offer some of the lowest average premiums in West Virginia, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs.

Affordable car insurance providers in West Virginia

Graph

Table

Company name	Average per month cost	Average annual cost
GEICO	$161	$1,934
Erie Insurance	$174	$2,092
Westfield Insurance	$218	$2,620
Farmers	$233	$2,801
State Farm	$233	$2,801
Progressive	$248	$2,974
Allstate	$318	$3,819
USAA*	$121	$1,451

*USAA is only available to military community members and their families.

Updated with latest data

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Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

Average cost of car insurance by coverage levels in West Virginia

Your car insurance premium is determined by the coverage limits you choose.

If you purchase only the state’s minimum liability limits, you’ll pay $48 per month or $577 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.

If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.

In West Virginia, drivers typically pay $213 per month or $2,557 annually for full coverage car insurance.

Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.

Coverage limits	Average annual cost
State minimum liability-only	$577
Liability only	$651
Full coverage	$2,557
Non-owner state minimum liability	$229

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Average car insurance cost in West Virginia by city

Because car insurance rates vary by location, the city you live in also affects how much you pay. If you’re in cities like Huntington, Beckley or Charleston, you’ll likely see higher premiums because of high traffic and accident rates, and greater risk of theft or damage.

On the other hand, drivers in cities like Weirton or Wheeling pay significantly low insurance rates, on average between $2,109 and $2,208 a year. Insurers typically charge lower premiums in these cities due to fewer accidents, lower population density, vehicle theft and vandalism rates.

City	Average annual cost
Weirton	$2,109
Wheeling	$2,208
Martinsburg	$2,209
Morgantown	$2,209
Clarksburg	$2,344
Parkersburg	$2,356
Charleston	$2,380
Beckley	$2,390
Huntington	$2,442

Average car insurance cost in West Virginia by age

Insurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.

Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.

Let’s take a closer look at how much you might pay in West Virginia for a full coverage policy based on your age and gender.

Average car insurance cost in West Virginia for young drivers

If you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.

For instance, 20-year-old male drivers in West Virginia pay an average of $5,561 per year for car insurance, while females of the same age pay $4,833.

But by the time you turn 25, insurance premiums drop to $3,178 a year on average for male drivers and $3,067 for female drivers.

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
20	$5,561	$4,833
21	$4,750	$4,206
22	$4,241	$3,857
23	$3,956	$3,614
24	$3,651	$3,400

Average car insurance cost in West Virginia for adult drivers

On average, an adult male driver in West Virginia pays $2,588 a year for full coverage or $216 per month. Women pay $2,552 a year or $213 per month for the same coverage.

However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
25	$3,178	$3,067
30	$2,765	$2,754
35	$2,658	$2,659
40	$2,562	$2,552
45	$2,496	$2,484
50	$2,419	$2,392
55	$2,330	$2,267
60	$2,291	$2,231

Average car insurance cost in West Virginia for senior drivers

If you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $2,283 per year, while women pay $2,223. But by age 70, average premiums rise to $2,426 for men and $2,399 annually for women. At 75, rates increase even further – $2,701 for male drivers and $2,624 for female drivers.

Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining a clean driving record and taking advantage of senior discounts.

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
65	$2,283	$2,223
70	$2,426	$2,399
75	$2,701	$2,624
65	$2,283	$2,223
70	$2,426	$2,399
75	$2,701	$2,624

Minimum car insurance requirements in West Virginia

Whether you’re buying your first insurance policy or just moved to West Virginia, it’s important to understand the state’s car insurance requirements.

To stay on the right side of the law, drivers in West Virginia must carry at least the following minimum liability coverage:

Bodily injury per person: $25,000
Bodily injury per accident: $50,000
Property damage liability: $25,000

Cheapest cars to insure in West Virginia

The type of car you drive plays a significant role in determining your insurance premium. Vehicles with high repair expenses, theft rates or a history of accidents usually cost more to insure. On the other hand, those with high safety ratings, lower repair costs and fewer insurance claims tend to have more affordable rates.

Honda HR-V is one of the cheapest cars to insure in West Virginia, with an average premium of $1,756 per year. Honda CR-V has an average annual cost of $1,771.

The table below shows the cars with the lowest average insurance rates.

Make Model	Average annual premium
Honda HR-V	$1,756
Honda CR-V	$1,771
Chrysler Voyager	$1,777
Mini Cooper Electric	$1,793
Subaru Forester	$1,808
Hyundai Venue	$1,831
Volkswagen Taos	$1,844
Toyota Corolla Cross	$1,878
Mazda CX-5	$1,879
Chevrolet Equinox	$1,884

Most expensive cars to insure in West Virginia

Mercedes-AMG EQS tops the list as the most expensive car to insure in West Virginia, at an average annual cost of $7,964. Below is a list of the most expensive vehicles to insure in West Virginia and their average annual premiums.

Make Model	Average annual premium
Mercedes-AMG EQS	$7,964
Maserati Quattroporte	$7,199
Maserati Ghibli	$6,315
Audi RS7	$5,850
Audi RS6	$5,846
Chevrolet Corvette E-Ray	$5,713
Audi S8	$5,592
Mercedes-Benz S-Class	$5,468
Toyota Land Cruiser	$5,436
Genesis G90	$5,333

Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your premiums.

Methodology

Insure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, including

Full coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.
State minimum limits
Liability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.

We also collected average car insurance rates for drivers of different age groups:

Young drivers aged 20-24
Adult drivers aged 25-60
Senior drivers aged 65-75

The quoted insurance rates are for comparison purposes, and your rates may vary.

78.5M

Quotes reviewed

170

No. of carriers analyzed

34.5K

ZIP codes analyzed

How much is car insurance in other states

Alaska$2,215/Year

Alabama$2,107/Year

Arkansas$2,723/Year

Arizona$2,333/Year

California$3,010/Year

Colorado$3,222/Year

Connecticut$2,726/Year

Delaware$3,097/Year

Florida$3,852/Year

Georgia$2,739/Year

Hawaii$1,721/Year

Iowa$2,228/Year

Idaho$1,791/Year

Illinois$1,901/Year

Indiana$1,856/Year

Kansas$2,410/Year

Kentucky$2,976/Year

Louisiana$4,180/Year

Massachusetts$2,430/Year

Maryland$2,273/Year

Maine$1,701/Year

Michigan$3,146/Year

Minnesota$2,561/Year

Missouri$2,410/Year

Mississippi$2,455/Year

Montana$2,541/Year

North Carolina$2,587/Year

North Dakota$2,079/Year

Nebraska$2,387/Year

New Hampshire$1,650/Year

New Jersey$2,736/Year

New Mexico$2,486/Year

Nevada$3,284/Year

New York$2,898/Year

Ohio$1,739/Year

Oklahoma$2,705/Year

Oregon$1,927/Year

Pennsylvania$2,428/Year

Rhode Island$2,706/Year

South Carolina$2,367/Year

South Dakota$2,635/Year

Tennessee$2,214/Year

Texas$2,631/Year

Utah$2,250/Year

Virginia$1,837/Year

Vermont$1,504/Year

Washington$2,175/Year

Wisconsin$2,026/Year

Wyoming$1,984/Year

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.