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 The average premium for car insurance in West Virginia is $2,005 per year or $167 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's Editor | Updated on: April 7, 2025 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 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed Understanding potential costs is essential when seeking auto insurance in West Virginia. On average, car insurance in West Virginia costs $2,005 annually or $167 monthly. This figure contrasts with the national average of $1,895, showcasing a variance of $110 from the state average.You’re likely aware of this if you’re a resident here. Numerous factors contribute to car insurance premiums. Among them are age, gender, driving history, credit score, and location. This guide also provides insights into the average cost of full coverage in the state, companies offering affordable monthly premiums, average car insurance rates across cities in West Virginia, and car insurance rates by age group.It’s wise to shop around and compare quotes to ensure you’re not overpaying for auto insurance. Continue reading the guide to ensure your insurance policy meets your needs without surpassing your budget. Average annual cost $2,005 Average per month cost $167 Average cost for state minimum coverage $510 / Year Cheapest car insurance company Nationwide($1,215 / Year) Average cost for young drivers $3,197 / Year Average cost for Senior drivers $1,959 / Year Key TakeawaysBased on Insure.com’s in-depth data analysis, car insurance in West Virginia costs $2,005 per year.In West Virginia, the average premium for car insurance is $167 per month.At $1,215 a year, Nationwide has the cheapest car insurance rates in West Virginia.Average car insurance cost in West Virginia per monthIn West Virginia, the monthly rate for car insurance is $167.This rate can vary among companies, as is the case with every auto insurance carrier. When exploring car insurance rates in West Virginia, it’s best to obtain quotes from multiple companies to ensure you find the most suitable coverage at the best possible price.Cheapest car insurance companies in West VirginiaAccording to Insure.com’s rate analysis, the most affordable provider of car insurance premiums in West Virginia is Nationwide, with an average annual cost of $1,215 and a monthly average of $101. Following closely is State Farm, providing coverage at an average monthly rate of $141.The following table lists additional car insurance companies operating in West Virginia and their respective average monthly and annual costs. Affordable car insurance providers in West Virginia Graph Table Company nameAverage per month costAverage annual costNationwide$101$1,215State Farm$141$1,691Erie Insurance$142$1,709Progressive$152$1,825Westfield Insurance$176$2,111Geico$187$2,248Farmers$203$2,442Encova Insurance$244$2,933Allstate$261$3,132USAA$99$1,189 Read our guide to cheap car insurance companies West Virginia car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State West Virginia Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $2,670/Year OR $223/month West Virginia Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your 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 - + *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 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 VirginiaThe extent of coverage you select determines car insurance costs in West Virginia. Your liability limits and whether you opt for comprehensive, or collision coverage determine your premiums.Liability-only insurance protects against third-party property damage and personal injuries in accidents. However, in the event of a collision, having liability coverage alone would not extend to your injuries or personal property damage since you are responsible for the accident. For instance, with a 50/100/50 liability-only coverage limit, the average annual cost in West Virginia amounts to $585.Expanding your policy to include more coverage results in a higher insurance premium. This is because the insurance provider is liable to compensate you for accidents or other damage. Consequently, the average annual cost of full coverage car insurance in West Virginia stands at $2,005.Non-owner state minimum liability coverage is the most appropriate choice for individuals who do not own a vehicle but regularly rent one. Like liability-only coverage, it protects property damage and bodily injury inflicted upon another driver. In West Virginia, the average annual cost for non-owner state minimum liability coverage stands at $367.Meanwhile, for those who wish to save money on car insurance premiums, selecting only the state minimum liability coverage enables legal driving within the state. The annual cost for state minimum liability coverage alone amounts to $510 in West Virginia.1State minimum:$5102Liability only:$5853Full coverage:$2,0054Non-owners:$367Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in West Virginia by cityCharlestonHuntingtonMorgantownAverage car insurance cost in West Virginia by cityYour car insurance premium is determined by several factors, such as your state, city, and even ZIP code. The frequency of accidents and the probability of vehicle theft or vandalism play a role in determining the overall cost associated with a city or ZIP code.The table below depicts the top popular cities in West Virginia:CityAverage annual costBeckley$1,984Charleston$1,987Clarksburg$1,886Huntington$1,985Martinsburg$1,807Morgantown$1,935Parkersburg$1,932Weirton$1,844Wheeling$1,810Average car insurance cost in West Virginia by age of the driverAge is a significant factor affecting auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to any other age group. For instance, in West Virginia, the average annual rate for young drivers is $3,197, whereas for seniors, it’s $1,959. Notably, the rate for young drivers surpasses that of senior drivers by $1,238.Statistics indicate that young drivers face a greater risk of car accidents than seasoned drivers. Consequently, they are classified as high-risk individuals. They are more expensive to insure due to tendencies such as speeding and limited road experience. However, premiums rise again around age 70 as certain age-related factors may affect driving capabilities.Average car insurance cost in West Virginia for young driversIn West Virginia, female young drivers typically pay an average annual car insurance cost of $3,037 and $253 per month. Conversely, male young drivers pay an average annual rate of $3,361, or $280 per month. The average annual rates for young male and female drivers are listed in the table below: Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 20 $4,429 $3,848 21 $3,449 $3,075 22 $3,211 $2,881 23 $2,982 $2,774 24 $2,784 $2,633 Average car insurance cost in West Virginia for senior driversIn West Virginia, senior female drivers pay an annual car insurance cost of $1,941, equating to $162 per month. Similarly, male senior drivers face an average yearly expense of $1,976, or $165 per month. Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 65 $1,813 $1,800 70 $1,941 $1,907 75 $2,170 $2,116 Read more about senior car insuranceMinimum car insurance requirements in West VirginiaEvery state establishes laws regarding the minimum car insurance coverage drivers must possess to lawfully drive a vehicle. As outlined by the West Virginia Department of Insurance, the following are the mandatory coverages and minimum coverage limits mandated in West Virginia:Bodily injury per person: $25,000 Bodily injury per accident: $50,000 Personal property coverage per person: $25,000 Cheapest cars to insure in West Virginia Insurance costs are lowest for Honda HR-V owners, with an annual premium of $1,401. Kia Seltos follows closely at $1,418 per year. The difference in the cost of insuring these two models is $17 annually.MakeModelAverage annual premiumHondaHR-V$1,401KiaSeltos$1,418MazdaCX-30$1,439HondaCR-V$1,465HyundaiVenue$1,472ChevroletTrailBlazer$1,482HyundaiKona$1,500FordMaverick$1,502ToyotaCorolla Cross$1,506VolkswagenTiguan$1,529Most expensive cars to insure in West VirginiaThe most expensive car to insure on the list is the BMW M8, which has an average annual premium of $6,960. However, the difference between the cheapest and most expensive cars to insure is $5,559 annually.MakeModelAverage annual premiumBMWM8$6,960MaseratiQuattroporte$6,940BMWI7$6,832PorscheTaycan GTS$6,626NissanZ Performance$6,624AudiRS6 Avant$6,592BMWAlpina B8$6,516Porsche911 Sport Classic$6,476GenesisG90$6,461JaguarF-Type R$6,383MethodologyThe Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.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 a full coverage policy with limits:The quoted insurance rates are for comparison purposes, and your individual rates may vary.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWyoming$1,758/YearShow more Explore other insurance options in West-Virginia Non-owner auto insurance in West Virginia Average renters insurance cost in West Virginia Average homeowners insurance cost in West Virginia In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in West Virginia per monthCheapest 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 age of the driverMinimum 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