West Virginia Car insurance calculator

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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

Get a fast, personalized car insurance estimate with our calculator. Enter a few details, and you’ll see your potential rates in minutes – making it easy to compare options and choose coverage with confidence.

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 estimat
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

Updated with latest data

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*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.

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

A vehicle’s make and model can significantly impact car insurance rates. Insurers consider various factors, including a vehicle’s make and model, when determining premiums.

For example, full coverage for a Honda Accord LX costs $2,196 per year, while the average premium for a Honda CR-V in West Virginia is $1,771 – a difference of $425.

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

In West Virginia, your car’s model year affects how much you pay for insurance. For example, a 2023 Honda Accord LX has an annual premium of $2,954 per year, while the 2024 model costs $2,080 annually to insure.

Quick tip: Review your state’s minimum insurance requirements before choosing a policy

Each state sets its own minimum car insurance requirements, and West Virginia is no different. To drive legally, you’ll need at least the minimum liability coverage, which generally includes:

Bodily injury liability per person and per accident
Property damage liability

These limits offer the minimum coverage, but many drivers choose higher coverage to protect themselves after an accident.

Driving without the required coverage in West Virginia can lead to fines, license suspension and even 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

In West Virginia, insurance premiums vary depending on your vehicle’s trim. Higher trims with upgraded technology or more powerful engines are often more expensive to insure because of their costly replacement and repair costs.

For instance, full coverage car insurance for a 2023 Honda Accord LX in West Virginia costs $2,954 per year. On the other hand, the Honda Accord EX-L trim costs $2,464 annually to insure – a difference of $490.

Luxury features such as premium audio systems can increase a vehicle’s value, leading to higher premiums. Similarly, performance trims with larger engines may raise insurance premiums due to the higher risk of accidents or speeding.

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What drivers pay for car insurance in West Virginia

In West Virginia, the average cost of full coverage car insurance is $2,557 per year, or $213 per month. Your rate may be higher or lower depending on the coverage you choose.

Below, you’ll find estimates for different coverage levels in West Virginia, but keep in mind that factors like your vehicle, driving history, and other personal details can affect your final premium.

Coverage level	Average annual rate	Average 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

Car insurance costs in West Virginia by city

Car insurance rates in West Virginia vary significantly depending on the city you live in. Factors like traffic congestion, accident frequency, weather conditions and crime rates all influence how much drivers pay for coverage. For instance, drivers in Breeden pay $3,165 annually for full coverage, while those in Weirton pay closer to $2,109 per year.

Top 20 cities with cheapest car insurance rates in West Virginia

City	Avg. Annual Premium	Avg. 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

Top 20 cities with most expensive car insurance in rates West Virginia

City	Avg. Annual Premium	Avg. 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

Want to know what you’ll pay? Use the West Virginia car insurance calculator

Use the West Virginia car insurance calculator to get an estimate based on your location, vehicle make and model year. Enter your details to get a tailored estimate, but remember-final rates may differ, so it’s wise to compare quotes from different insurers to find the best deal.

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

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.

On this page

How to use our car insurance calculator to estimate your rates in West Virginia
Does your vehicle model affect car insurance rates in West Virginia?
Does your car's model year affect insurance rates in West Virginia?
How your car's trim affects insurance rates in West Virginia
What drivers pay for car insurance in West Virginia
Car insurance costs in West Virginia by city
Want to know what you'll pay? Use the West Virginia car insurance calculator

West Virginia car insurance calculator