Home Car insurance Car insurance calculator West Virginia car insurance calculator West Virginia car insurance calculator 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 an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: November 13, 2025 Why you can trust Insure.com Quality Verified 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. If you drive in West Virginia, you know how important it is to have the right car insurance – but finding a policy that fits your needs and budget isn’t always simple. That’s why we built the West Virginia car insurance calculator: to help you quickly estimate costs and explore coverage options that work for you.Our calculator uses your vehicle’s make and model to estimate your average annual and monthly premiums in West Virginia, making it easier to compare options and choose the coverage that’s right for you. How to use our car insurance calculator to estimate your rates in West VirginiaOur calculator gives you a fast, customized car insurance estimate. Enter a few details to see your potential rates and easily compare coverage options – no guesswork required.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. 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? 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:Does your vehicle model affect car insurance rates in West Virginia?Your car’s make and model play a big role in determining insurance rates. Insurers account for multiple factors – including your vehicle’s make and model – to calculate premiums.For example, insuring a Honda Accord LX around $2,196 per year for a full coverage policy. On the other hand, coverage for a Honda CR-V costs $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 policyEach 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 accidentProperty damage liabilityThese 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. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now How your car’s trim affects insurance rates in West VirginiaIn 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. You might find interesting Average car insurance cost in West VirginiaCar insurance calculator for teens in West VirginiaCheapest SR-22 insurance in West VirginiaDo you need insurance to register a car in West Virginia?How much is gap insurance in West VirginiaLow-cost car insurance in West VirginiaNon-owner auto insurance in West Virginia: Which company has the cheapest rates?The best, cheapest car insurance in West VirginiaBest and cheapest companies for home and auto bundles in West VirginiaShow more Average car insurance costs in West VirginiaThe average annual premium for a full coverage car insurance policy in West Virginia is $2,557 or $213 per month. However, your actual premium may differ depending on your chosen coverage level.Below are estimated costs for various coverage levels in West Virginia, but your actual rate will depend on personal factors such as your vehicle, driving history, and other details.Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,557$213Liability Only – 50/100/50 BI/PD$651$54State Minimum BI/PD$577$48Non-Owners$229$19Powered by:How much is car insurance in West Virginia by cityIn West Virginia, where you live, greatly impact your car insurance costs. Factors including congestion, accident rates, climate conditions and crime rates affect premiums. As a result, drivers in Breeden pay about $3,165 per year for a full coverage policy, where as drivers in Weirton pay $2,109 annually.Top 20 cities with cheapest car insurance rates in West VirginiaCityAvg. Annual PremiumAvg. Monthly PremiumWeirton$2,109$176Chester$2,121$177Benwood$2,123$177Colliers$2,129$177Moundsville$2,131$178Follansbee$2,132$178Glen Dale$2,133$178Grant$2,135$178Newell$2,140$178McMechen$2,141$178Short Creek$2,147$179Dallas$2,167$181Bethany$2,173$181Wellsburg$2,174$181Beech Bottom$2,175$181Triadelphia$2,194$183Oak Hill$2,196$183Minden$2,201$183Valley Grove$2,206$184Falling Waters$2,208$184Powered by:Top 20 cities with most expensive car insurance in rates West VirginiaCityAvg. Annual PremiumAvg. Monthly PremiumBreeden$3,165$264Kermit$3,146$262Crum$3,138$261Dunlow$3,070$256Dehue$3,068$256Dingess$3,063$255Ethel$3,053$254Naugatuck$3,047$254Sharples$3,046$254Lenore$3,045$254Cove Gap$3,042$253Wilsondale$3,029$252Emmett$3,026$252Omar$3,012$251Genoa$3,010$251Newtown$3,006$250Ragland$3,005$250Varney$3,000$250Tug Hardee$2,997$250North Matewan$2,996$250Powered by:Want to know what you’ll pay? Use our West Virginia car insurance calculatorOur car insurance calculator for West Virginia factors in your location, vehicle make, and model year to provide an estimate tailored to your situation. Actual quotes may vary, so shop around and compare multiple quotes to get the best deal. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2025 How much used car insurance costs: Most and least expensive models to insure Car insurance calculator: Use our tool to estimate your auto premiums 1/1 How 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/YearWashington, D.C.$3,394/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 Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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What to know about six-month car insurance How much does car insurance cost a month in 2025? How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How to use our car insurance calculator to estimate your rates in West VirginiaDoes 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 VirginiaAverage car insurance costs in West VirginiaHow much is car insurance in West Virginia by cityWant to know what you'll pay? Use our West Virginia car insurance calculator ZIP Code Please enter valid ZIP See rates (844) 645-3330