Low-cost car insurance in West Virginia

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In West Virginia, GEICO offers the cheapest average premium at $1,934 per year. For comparison, the statewide average monthly cost is $213, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In West Virginia, the minimum liability requirement is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

Key Takeaways

GEICO has the lowest average car insurance premium in West Virginia, costing $1,934 per year. That’s $623 the state average.
For drivers with an at-fault accident on record, Erie Insurance offers the most affordable coverage at around $2,465 annually.
The 26062 ZIP code stands out as the cheapest area for auto insurance in West Virginia, with an average yearly cost of $2,109.

Low-cost car insurance companies in West Virginia

GEICO offers the lowest car insurance rates in West Virginia, with an average annual premium of $1,934 per year. It’s $623 less expensive than the average car insurance cost in West Virginia. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates from low-cost car insurance companies..

Company	Average annual rates
GEICO	$1,934
Erie Insurance	$2,092
Westfield Insurance	$2,620
Farmers	$2,801
State Farm	$2,801
Progressive	$2,974
Allstate	$3,819
USAA*	$1,451

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in West Virginia

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in West Virginia

Drivers in 26062 benefit from the lowest average premium in the state, at $2,109 per year. See the table below to find other ZIP codes in West Virginia where insurance tends to be cheaper.

ZIP code	City	Average annual rates
26062	Weirton	$2,109
26034	Chester	$2,121
26031	Benwood	$2,123
26035	Colliers	$2,129
26041	Moundsville	$2,131
26037	Follansbee	$2,132
26038	Glen Dale	$2,133
26047	Grant	$2,135
26050	Newell	$2,140
26040	McMechen	$2,141

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Low-cost car insurance in West Virginia by age

Young drivers often face the highest premiums. In West Virginia, for example, a 16-year-old pays $8,860 more than a 40-year-old driver.

The table below shows how rates change by age group.

Age group	Full coverage annual premiums
Teens (16-19)	$8,101
Young Adults (20-24)	$4,207
Adults (25-60)	$2,570
Seniors (65-75)	$2,444

Low-cost car insurance in West Virginia by driver history

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in West Virginia

Just one speeding ticket in West Virginia can raise your rates by 39% – $1,000 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Erie Insurance	$2,092	$2,296	10%	$204
State Farm	$2,801	$2,974	6%	$173
Progressive	$2,974	$3,782	27%	$809
Allstate	$3,819	$4,239	11%	$420
GEICO	$1,934	$4,382	127%	$2,448
Farmers	$2,801	$4,760	70%	$1,959
USAA*	$1,451	$1,674	15%	$223

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in West Virginia

Erie Insurance offers the lowest car insurance rates to drivers after an at-fault accident at $2,465 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Erie Insurance	$2,092	$2,465	18%	$373
State Farm	$2,801	$3,191	14%	$390
Westfield Insurance	$2,620	$3,841	47%	$1,221
Farmers	$2,801	$4,147	48%	$1,346
GEICO	$1,934	$4,392	127%	$2,458
Progressive	$2,974	$4,611	55%	$1,637
Allstate	$3,819	$5,356	40%	$1,537
USAA*	$1,451	$2,129	47%	$677

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in West Virginia

Being labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in West Virginia offer the most affordable rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
State Farm	$2,801	$2,974	$173	6%
Erie Insurance	$2,092	$3,124	$1,031	49%
Progressive	$2,974	$3,958	$984	33%
GEICO	$1,934	$4,524	$2,591	134%
Allstate	$3,819	$5,105	$1,286	34%
Westfield Insurance	$2,620	$6,283	$3,664	140%
Farmers	$2,801	$6,379	$3,578	128%
USAA*	$1,451	$2,636	$1,185	82%

*USAA is only available to military community members and their families.

Average cost of car insurance West Virginia

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In West Virginia, the average cost of full coverage is $44 more compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in West Virginia, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

The bottom line on saving and staying protected

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest car insurance in West Virginia.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in West Virginia. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles..

We analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

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.