Home Car insurance Car insurance rates by state Low-cost car insurance in West Virginia Low-cost car insurance in West Virginia Our data shows Nationwide delivers the lowest car insurance rates in West Virginia. 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: September 23, 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. In West Virginia, Nationwide offers the cheapest average premium at $1,215 per year. For comparison, the statewide average monthly cost is $167, 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 Nationwide has the lowest average car insurance premium in West Virginia, costing $1,215 per year. That’s 39% the state average.For drivers with an at-fault accident on record, Nationwide offers the most affordable coverage at around $1,870 annually.The 26059 ZIP code stands out as the cheapest area for auto insurance in West Virginia, with an average yearly cost of $1,798. Low-cost car insurance companies in West VirginiaNationwide offers the lowest car insurance rates in West Virginia, with an average annual premium of $1,215 per year. It’s 39% 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..CompanyAverage annual ratesNationwide$1,215State Farm$1,691Erie Insurance$1,709Progressive$1,825Westfield Insurance$2,111GEICO$2,248Farmers$2,442Encova Insurance$2,933Allstate$3,132USAA*$1,189*USAA is only available to military community members and their families.Powered by:How we choose low-cost car insurance companies in West Virginia 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined ZIP codes with the cheapest car insurance in West VirginiaDrivers in 26059 benefit from the lowest average premium in the state, at $1,798 per year. See the table below to find other ZIP codes in West Virginia where insurance tends to be cheaper.ZIP codeCityAverage annual rates26059Triadelphia$1,79825401Martinsburg$1,80326060Valley Grove$1,80525404Tuscarora$1,80726003Wheeling$1,81025405Martinsburg$1,81125419Falling Waters$1,81325443Shepherdstown$1,81426074West Liberty$1,81425403Norborne$1,818Powered by: 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 VirginiaNon-owner auto insurance in West Virginia: Which company has the cheapest rates?The best, cheapest car insurance in West VirginiaWest Virginia car insurance calculatorBest and cheapest companies for home and auto bundles in West Virginia 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 Low-cost car insurance in West Virginia by ageYoung drivers often face the highest premiums. In West Virginia, for example, a 16-year-old pays $6,121 more than a 40-year-old driver.The table below shows how rates change by age group.Age groupFull coverage annual premiumsTeens (16-19)$6,387Young Adults (20-24)$3,197Adults (25-60)$2,010Seniors (65-75)$1,959Powered by:Low-cost car insurance in West Virginia by driver historyYour 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 VirginiaJust one speeding ticket in West Virginia can raise your rates by 39% – $785 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseState Farm$1,691$1,7956%$104Nationwide$1,215$1,79948%$584Erie Insurance$1,709$1,87610%$167Progressive$1,825$2,32227%$497Allstate$3,132$3,47711%$345Farmers$2,442$4,15070%$1,708GEICO$2,248$5,094127%$2,846USAA*$1,189$1,37215%$183*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after an accident in West Virginia Nationwide offers the lowest car insurance rates to drivers after an at-fault accident at $1,870 a year. If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseNationwide$1,215$1,87054%$655State Farm$1,691$1,92614%$235Erie Insurance$1,709$2,01418%$305Progressive$1,825$2,83055%$1,005Westfield Insurance$2,111$3,09547%$984Farmers$2,442$3,61648%$1,174Allstate$3,132$4,39240%$1,260GEICO$2,248$5,105127%$2,857USAA*$1,189$1,74547%$556*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after a DUI in West VirginiaBeing labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in West Virginia offer the most affordable rates after a DUI conviction.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseState Farm$1,691$1,795$1046%Nationwide$1,215$2,310$1,09590%Progressive$1,825$2,429$60433%Erie Insurance$1,709$2,552$84349%Allstate$3,132$4,187$1,05534%Westfield Insurance$2,111$5,062$2,951140%GEICO$2,248$5,259$3,011134%Farmers$2,442$5,561$3,119128%USAA*$1,189$2,160$97182%*USAA is only available to military community members and their families.Powered by: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 $110 more compared to the national averageWe 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 protectedEveryone 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.MethodologyInsure.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 53,409,632 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 applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Shivani GiteContributing 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.Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWisconsinWyomingShow more In case you missed it The most expensive and cheapest cars to insure in 2025 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? 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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 Low-cost car insurance companies in West VirginiaHow we choose low-cost car insurance companies in West VirginiaZIP codes with the cheapest car insurance in West VirginiaLow-cost car insurance in West Virginia by ageLow-cost car insurance in West Virginia by driver historyAverage cost of car insurance West VirginiaWhat is full coverage car insurance?The bottom line on saving and staying protectedMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330