Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in West Virginia Average car insurance cost in West Virginia In West Virginia, a full-coverage car insurance policy will cost you an average of $2,557 annually or $213 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University. | Updated on: February 23, 2026 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 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 012345 1 of 6 Average car insurance cost in West Virginia If you live in West Virginia can expect to pay an average of $213 per month for full coverage car insurance – that’s $2,557 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $48 monthly or $577 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in West VirginiaGEICO provides the lowest full coverage rates, for an average cost of $1,934 per year or $161 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.Erie Insurance also offers affordable insurance coverage to West Virginia drivers at an average cost of $2,092 a year or $174 per month.Although these insurers offer some of the most affordable average rates in West Virginia, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage. Affordable car insurance providers in West Virginia Graph Table Company nameAverage per month costAverage annual costGEICO$161$1,934Erie Insurance$174$2,092Westfield Insurance$218$2,620Farmers$233$2,801State Farm$233$2,801Progressive$248$2,974Allstate$318$3,819USAA*$121$1,451*USAA is only available to military community members and their families.Powered by: *USAA is only available to military community members and their families.Powered by: West Virginia car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra West Virginia Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State West Virginia Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$871/year Full Coverage$2,402/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? Select age 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. 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 2021 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. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in West VirginiaYour 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 limitsAverage annual costState minimum liability-only$577Liability only$651Full coverage$2,557Non-owner state minimum liability$229Powered by: Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in West Virginia by cityBecause 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.CityAverage annual costWeirton$2,109Wheeling$2,208Martinsburg$2,209Morgantown$2,209Clarksburg$2,344Parkersburg$2,356Charleston$2,380Beckley$2,390Huntington$2,442Powered by:Average car insurance cost in West Virginia by ageInsurers 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 driversIf 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 driverAverage annual cost for Male driversAverage annual cost for Female drivers20$5,561$4,83321$4,750$4,20622$4,241$3,85723$3,956$3,61424$3,651$3,400Powered by:Average car insurance cost in West Virginia for adult driversOn 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 driverAverage annual cost for Male driversAverage annual cost for Female drivers25$3,178$3,06730$2,765$2,75435$2,658$2,65940$2,562$2,55245$2,496$2,48450$2,419$2,39255$2,330$2,26760$2,291$2,231Powered by:Average car insurance cost in West Virginia for senior driversIf 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 driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,283$2,22370$2,426$2,39975$2,701$2,62465$2,283$2,22370$2,426$2,39975$2,701$2,624Powered by:Minimum car insurance requirements in West VirginiaWhether you’re buying insurance for the first time or moving to a new state, understanding the required liability limits in West Virginia can help you avoid fines and make smarter choices about your coverage.Drivers in West Virginia must carry at least the following minimum coverage limits to meet the state’s legal requirements:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in West VirginiaThe 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 ModelAverage annual premiumHonda HR-V$1,756Honda CR-V$1,771Chrysler Voyager$1,777Mini Cooper Electric$1,793Subaru Forester$1,808Hyundai Venue$1,831Volkswagen Taos$1,844Toyota Corolla Cross$1,878Mazda CX-5$1,879Chevrolet Equinox$1,884Powered by:Most expensive cars to insure in West VirginiaMercedes-AMG EQS is one of the most expensive vehicles to insure in West Virginia, with an average annual cost of $7,964.Below is a list of the costliest vehicles to insure in West Virginia and their average premiums.Make ModelAverage annual premiumMercedes-AMG EQS$7,964Maserati Quattroporte$7,199Maserati Ghibli$6,315Audi RS7$5,850Audi RS6$5,846Chevrolet Corvette E-Ray$5,713Audi S8$5,592Mercedes-Benz S-Class$5,468Toyota Land Cruiser$5,436Genesis G90$5,333Powered by:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull 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 limitsLiability-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:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing 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. 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in West VirginiaCheapest car insurance companies in West VirginiaAverage cost of car insurance by coverage levels in West VirginiaAverage car insurance cost in West Virginia by cityAverage car insurance cost in West Virginia by ageMinimum car insurance requirements in West VirginiaCheapest cars to insure in West VirginiaMost expensive cars to insure in West VirginiaMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330