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Car insurance is essential in West Virginia, but finding the right plan at the right price isn’t always easy. That’s where our West Virginia car insurance calculator can help.

Use our auto insurance calculator to see your estimated annual and monthly costs in West Virginia. It factors in your vehicle’s make and model so you can make informed coverage decisions.

How to use our car insurance calculator to estimate your rates in West Virginia

Our calculator makes it easy to get a quick, personalized car insurance estimate. Just follow these simple steps to see your potential rates – and compare options – without the guesswork.

  • Step 1: Choose the model year of your car.
  • Step 2: Choose the make and model of your car.
  • Step 3: Choose your state.
  • Step 4: Click on the “Get My Rates” button to get a car insurance estimate.
  • Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices.

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.

Does your vehicle model affect car insurance rates in West Virginia?

Your car’s make and model play a major role in determining your insurance rates, along with other factors insurers use when setting premiums.

For example, the average annual full coverage cost for a Honda Accord LX in West Virginia is $2,196, while the average premium for a Honda CR-V is $1,771 – that’s a difference of $425 annually.

Does your car’s model year affect insurance rates in West Virginia?

In West Virginia, as in most states, your car’s model year can impact your insurance rate. For example, the average annual premium for a 2023 Honda Accord LX is $2,954, compared to $2,080 for the 2024 model.

Quick tip: Know your state’s minimum insurance requirements before you buy

Car insurance requirements vary by state. In West Virginia, you must have at least the minimum liability coverage to drive legally. This typically includes:

  • Bodily injury liability per person and per accident
  • Property damage liability

These limits are just the minimum required by law-many drivers opt for higher coverage to ensure better financial protection after an accident. Driving without the required coverage in West Virginia can result in fines, license suspension or vehicle impoundment.

Our agents make it hassle-free to get the right quote.

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How your car’s trim affects insurance rates in West Virginia

Your car’s trim level plays a big role in determining your insurance premium. Insurers consider the vehicle’s value, repair costs, safety features and theft risk when setting rates. Higher trims with upgraded technology or powerful engines often have higher premiums since they’re more expensive to repair or replace.

For example, a 2023 Honda Accord LX costs $2,954 per year to insure in West Virginia, whereas the EX-L trim costs $2,464, a difference of $490 annually.

Trims that include luxury upgrades, like a premium sound system, often cost more to insure because they raise the vehicle’s overall value. Similarly, performance-focused trims with larger engines may increase premiums due to a greater risk of accidents or speeding.

Car insurance estimate in West Virginia

Drivers in West Virginia pay an average of $2,557 per year or $213 per month for full-coverage car insurance. Your exact premium could differ based on the level of coverage you choose. The table below shows estimated rates for various coverage limits in West Virginia. However, your actual rate may vary depending on your driving history, vehicle type and other personal factors.

Coverage levelAverage annual rateAverage monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,557$213
Liability Only – 50/100/50 BI/PD$651$54
State Minimum BI/PD$577$48
Non-Owners$229$19
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How much is car insurance in West Virginia by city

Your location plays a significant role in determining car insurance rates in West Virginia. Factors such as traffic congestion, accident frequency, weather conditions, and crime rates influence premiums. For instance, drivers in Breeden pay $3,165 per year for coverage, while those in Weirton pay $2,109 annually for the same coverage.

Top 20 cities with cheapest car insurance rates in West Virginia

CityAvg. Annual PremiumAvg. Monthly Premium
Weirton$2,109$176
Chester$2,121$177
Benwood$2,123$177
Colliers$2,129$177
Moundsville$2,131$178
Follansbee$2,132$178
Glen Dale$2,133$178
Grant$2,135$178
Newell$2,140$178
McMechen$2,141$178
Short Creek$2,147$179
Dallas$2,167$181
Bethany$2,173$181
Wellsburg$2,174$181
Beech Bottom$2,175$181
Triadelphia$2,194$183
Oak Hill$2,196$183
Minden$2,201$183
Valley Grove$2,206$184
Falling Waters$2,208$184
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Top 20 cities with most expensive car insurance in rates West Virginia

CityAvg. Annual PremiumAvg. Monthly Premium
Breeden$3,165$264
Kermit$3,146$262
Crum$3,138$261
Dunlow$3,070$256
Dehue$3,068$256
Dingess$3,063$255
Ethel$3,053$254
Naugatuck$3,047$254
Sharples$3,046$254
Lenore$3,045$254
Cove Gap$3,042$253
Wilsondale$3,029$252
Emmett$3,026$252
Omar$3,012$251
Genoa$3,010$251
Newtown$3,006$250
Ragland$3,005$250
Varney$3,000$250
Tug Hardee$2,997$250
North Matewan$2,996$250
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Estimate your West Virginia car insurance cost with our calculator

Our West Virginia car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate.

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
Washington, D.C.$3,394/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
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Shivani Gite
Contributing Writer

 
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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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