Home Car insurance Car insurance rates by state Cheapest car insurance in West Virginia Cheapest car insurance in West Virginia Nationwide has the cheapest car insurance rates for West Virginia drivers at $1,215 a year, based on Insure.com's data study. 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: May 26, 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. 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 Key Takeaways Nationwide offers the lowest car insurance rate in West Virginia, at $1,215 per year, which is about 39% cheaper than the state average.Nationwide has the cheapest rates for drivers with a history of at-fault accidents, with an average annual cost of $1,870.The ZIP code 26059 has the most affordable car insurance rates in West Virginia, at an average annual cost of $1,798. Cheap car insurance companies in West VirginiaNationwide 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.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 *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 VirginiaThe 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.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$1,818Auto 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.Car insurance rates in West Virginia by cityCharlestonHuntingtonMorgantownCheapest car insurance in West Virginia by ageTeen 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:Age groupFull coverage annual premiumsTeens (16-19)$6,387Young Adults (20-24)$3,197Adults (25-60)$2,010Seniors (65-75)$1,959 You might find interesting The best, cheapest car insurance in West VirginiaWest Virginia car insurance calculatorNon-owner auto insurance in West Virginia: Which company has the cheapest rates?Cheapest SR-22 insurance in West VirginiaBest and cheapest companies for home and auto bundles in West Virginia Cheapest car insurance in West Virginia by driver historyInsurers 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 VirginiaBelow is a list of the top three companies that provide affordable car insurance for drivers with a speeding ticket.State Farm: $1,795 per yearNationwide: $1,799 per yearErie Insurance: $1,876 per yearA single speeding ticket in West Virginia can cause your insurance rates to go up by 39%, or $785, according to Insure.com’s analysis.Dealing with a speeding ticket can be a hassle, as it involves paying a fine and facing increased insurance rates. However, there are some insurers who offer affordable premiums to drivers with a speeding ticket on their record.CompanyAverage annual premiumNew rate after accident% Increase$ 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 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after an accident in West VirginiaBelow are the top three insurance companies that provide affordable car insurance rates after an accident.Nationwide: $1,870 per yearState Farm: $1,926 per yearErie Insurance: $2,014 per yearNationwide has the cheapest auto insurance rates for West Virginia drivers after an at-fault accident at $1,870 a year.If you’re responsible for an accident, expect your car insurance rates to increase. However, you can still shop around to find affordable car insurance rates.Below, you’ll find a list of companies that offer affordable car insurance for drivers with an accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ 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 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after a DUI conviction in West VirginiaHere are the top three insurers that provide affordable car insurance rates after a DUI conviction.State Farm: $1,795 per yearNationwide: $2,310 per yearProgressive: $2,429 per yearA DUI conviction can have a significant impact on your car insurance rates, as most insurers will classify you as a high-risk driver and raise your rates accordingly.The following table highlights insurance companies offering cheap car insurance rates for drivers with a DUI conviction.CompanyAverage annual premiumNew rate after accident$ 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% *Note: USAA only offers coverage to military members, veterans and their families.Average car insurance cost in West VirginiaFull 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 thoughtsWhile 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.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 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 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. Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWisconsinWyomingShow moreShivani 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. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in West VirginiaHow we choose the cheapest car insurance companies in West VirginiaCheapest ZIP codes for car insurance in West VirginiaCheapest car insurance in West Virginia by ageCheapest car insurance in West Virginia by driver historyAverage car insurance cost in West VirginiaFinal thoughtsMethodology ZIP Code Please enter valid ZIP See rates (844)-645-3330