Average Car Insurance Cost in West Virginia (Updated Rates)

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If you are looking for auto insurance in West Virginia, knowing how much it will cost is a promising idea. The average premium for car insurance in West Virginia is $1,610 per year or $134 per month. While the national average is $1,682. There is a difference of $72 less between the national average and the state average.

If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live.

Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in West Virginia, and car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.

Summary of average car insurance cost in West Virginia
Average annual cost $1,610	Average per month cost $134	Average cost for state minimum coverage $474 / Year
Cheapest car insurance company Geico ($917/ Year)	Average cost for young drivers $2,876 / Year	Average cost for Senior drivers $1,542 / Year

Key Takeaways

The average car insurance cost in West Virginia is $1,610 per year, based on Insure.com’s analysis.
In West Virginia, the average premium for car insurance is $134 per month.
Geico has the cheapest car insurance rates in West Virginia, at an average annual rate of $917 a year.

Average car insurance cost in West Virginia per month

In West Virginia, the average premium for car insurance is $134 per month.

The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in West Virginia, it is a promising idea to get quotes from many firms.

As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in West Virginia is Geico. The average annual cost is $917 while the average cost per month is $76. The second-best option available is, Nationwide, offering insurance at an average per month cost of $87.

The table below lists the other available car insurance companies which offer car insurance in West Virginia, along with their average cost per month and average annual cost.

Company name	Average per month cost	Average annual cost
Geico	$76	$917
Nationwide	$87	$1,047
USAA	$88	$1,061
State Farm	$105	$1,258
Erie Insurance	$110	$1,321
Progressive	$142	$1,701
Westfield Insurance	$150	$1,806
Automobile Club MI	$182	$2,183
Farmers Insurance	$196	$2,351
Allstate	$205	$2,457

Read our guide to best car insurance companies

Average cost of car insurance by coverage levels in West Virginia

The amount of coverage you purchase has an impact on how much car insurance costs in West Virginia. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in West Virginia is $530.

When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in West Virginia is $1,610 per year.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In West Virginia, the average annual cost for non-owner state minimum liability only is $293.

And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $474 per year in West Virginia.

Coverage limits	Average annual cost
50/100/50 Liability Only	$530
100/300/100 Liability with $500 Comp/Coll Deductible	$1,610
Non-Owner State Minimum Liability Only	$293
State Minimum Liability Only	$474

Average car insurance cost in West Virginia by City

Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in West Virginia:

City	Average annual cost
Charleston	$1,520
Huntington	$1,534
Morgantown	$1,437
Parkersburg	$1,469
Wheeling	$1,391
Weirton	$1,445
Martinsburg	$1,372
Beckley	$1,527
Clarksburg	$1,473
South Charleston	$1,500

Auto 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 city

Charleston

Huntington

Morgantown

Average car insurance cost in West Virginia by age of the driver

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in West Virginia is $2,876 while for seniors is $1,542. Here, the rate for young drivers is $1,334 more than the rate for senior drivers.

According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in West Virginia for young drivers

The average car insurance cost for female young drivers in West Virginia is $2,645 per year or $220 per month and rate for a male young driver is $3,107 per year or $259 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
18	$5,630	$4,758
19	$4,600	$3,791
20	$4,361	$3,576
21	$3,189	$2,708
22	$2,891	$2,490
23	$2,660	$2,302
24	$2,435	$2,151
25	$2,059	$1,928

Average car insurance cost in West Virginia for senior drivers

In West Virginia, the cost of car insurance for senior female driver is $1,540 per year or $128 per month and cost of car insurance for male senior driver is $1,544 per year or $129 per month.

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
65	$1,482	$1,481
70	$1,581	$1,590
75	$1,755	$1,747

Minimum car insurance requirements in West Virginia

Each state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the West Virginia Department of Insurance, the following are the required coverages and minimum coverage limits 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

The Hyundai Venue SE has the lowest average annual insurance premium at $1,189, followed closely by the Mini Cooper SE at $1,224. The difference in the cost of insuring these two models is $35 annually.

Make	Model	Average annual premium
Hyundai	Venue SE	$1,189
Mini	Cooper SE	$1,224
Mazda	CX-5 S	$1,231
Chrysler	Voyager LX	$1,231
Kia	Seltos EX	$1,236
Mazda	CX-30 S	$1,238
Subaru	Forester 2.5I	$1,240
Toyota	C-HR Limited	$1,246
Honda	HR-V EX	$1,256
Honda	CR-V EX	$1,263

Most expensive cars to insure in West Virginia

The most expensive car to insure on the list is the Maserati Quattroporte, which has an average annual premium of $5,052. However, the difference between the cheapest and most expensive cars to insure is $3,863 annually.

Make	Model	Average annual premium
Maserati	Quattroporte	$5,052
Audi	RS E-tron GT	$4,534
Maserati	Levante Trofeo	$4,430
Maserati	Ghibli Modena	$4,128
Jeep	Grand Wagoneer Series I	$4,014
Maserati	Ghibli GT	$3,942
Jeep	Wagoneer Series I	$3,896
Audi	RS7 Quattro Performance	$3,858
Tesla	Model S Plaid	$3,857
Alfa-Romeo	Giulia Quadrifoglio	$3,849

Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible.

Methodology

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: