Cheapest car insurance in West Virginia

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Nationwide provides the cheapest car insurance in West Virginia at $1,215 a year. Your rates may vary, but the average premium is $167 per month in West Virginia, according to Insure.com’s rate analysis.

Car insurance requirements vary by state, and in West Virginia, drivers must carry at least the minimum liability coverage: $25,000 for bodily injury protection per person, $50,000 of bodily injury coverage per accident, and $25,000 for property damage per accident.

However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

Below, we’ve highlighted the most affordable insurance company in each category.

Cheapest overall: Nationwide

$1,215/year

National avg. rate

Cheapest for at-fault accident: Nationwide

$1,870/year

Avg. rate after an at-fault accident

Cheapest for speeding ticket: State Farm

$1,795/year

Avg. rate after speeding ticket

Cheap car insurance companies in West Virginia

Nationwide offers the cheapest car insurance in West Virginia, with an average price of $1,215 per year. It’s 39% less expensive than the average car insurance cost in West Virginia. The rates 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 for car insurance from the cheapest car insurance companies.

*Note: USAA only offers coverage to military members, veterans and their families.

How we choose the cheapest car insurance companies in West Virginia

170+

Carriers reviewed

53M+

Quotes analysed

34K+

ZIP codes examined

Cheapest ZIP codes for car insurance in West Virginia

The cheapest ZIP code for car insurance in West Virginia is 26059, with an average annual cost of $1,798. Find below the most affordable ZIP codes for auto insurance rates in West Virginia.

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Cheapest car insurance in West Virginia by age

Teen drivers in West Virginia pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. A 16-year-old driver pays $6,121 more than a 40-year-old driver in West Virginia, based on Insure.com’s analysis.

The table below shows the cheapest car insurance rates for drivers of different ages:

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Cheapest car insurance in West Virginia by driver history

Insurers consider your driving history to be one of the most important factors in setting insurance rates. If you’re involved in an at-fault accident or convicted of a traffic violation, your premiums may increase. On the other hand, having a clean record makes you a low-risk driver and can lead to cheaper car insurance.

Cheapest car insurance after a speeding ticket in West Virginia

Below is a list of the top three companies that provide affordable car insurance for drivers with a speeding ticket.

• State Farm: $1,795 per year
• Nationwide: $1,799 per year
• Erie Insurance: $1,876 per year

A single speeding ticket in West Virginia can cause your insurance rates to go up by 39%, or $785, according to Insure.com’s analysis.

Dealing with a speeding ticket can be a hassle, as it involves paying a fine and facing increased insurance rates. However, there are some insurers who offer affordable premiums to drivers with a speeding ticket on their record.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after an accident in West Virginia

Below are the top three insurance companies that provide affordable car insurance rates after an accident.

• Nationwide: $1,870 per year
• State Farm: $1,926 per year
• Erie Insurance: $2,014 per year

Nationwide has the cheapest auto insurance rates for West Virginia drivers after an at-fault accident at $1,870 a year.

If you’re responsible for an accident, expect your car insurance rates to increase. However, you can still shop around to find affordable car insurance rates.

Below, you’ll find a list of companies that offer affordable car insurance for drivers with an accident on their record.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after a DUI conviction in West Virginia

Here are the top three insurers that provide affordable car insurance rates after a DUI conviction.

• State Farm: $1,795 per year
• Nationwide: $2,310 per year
• Progressive: $2,429 per year

A DUI conviction can have a significant impact on your car insurance rates, as most insurers will classify you as a high-risk driver and raise your rates accordingly.

The following table highlights insurance companies offering cheap car insurance rates for drivers with a DUI conviction.

*Note: USAA only offers coverage to military members, veterans and their families.

Average car insurance cost in West Virginia

Full coverage insurance typically costs more than minimum liability insurance, but for most drivers, the additional expense is worthwhile. On average, full coverage car insurance in West Virginia is $110 more than the national average.

Full coverage limits vary, but getting a policy with limits of 100/300/100 is recommended for added protection.

What is full coverage car insurance in West Virginia?

Full coverage car insurance includes bodily injury liability, property damage liability, as well as comprehensive and collision coverage. Collision insurance protects your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance covers damage caused by non-collision events like weather or theft.

If you lease or finance a car in West Virginia, your lender may require you to buy collision and comprehensive insurance in addition to the state-required liability coverage.

Final thoughts

While it’s common to look for ways to lower your car insurance premium, cutting corners on coverage could end up costing you much more in the long run.

Before purchasing an auto insurance policy, consider your specific needs to ensure you’re adequately covered. Since insurance rates can vary, it’s a good idea to compare quotes from multiple companies to find the right policy 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 violation 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 applied

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

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

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.