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Average cost of car insurance in West Virginia for 2023

The average annual cost of car insurance in West Virginia is $1,580 for full coverage and $421 for minimum coverage.

Updated Mar 22, 2023
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How much is car insurance in West Virginia?

While the state you live in is a big factor in how much you will pay for auto insurance rates, other inputs, like your age, credit score, driving record and even your ZIP code, also impact your premium. Average auto insurance rates in West Virginia are cheaper than the national average, which is $622 per year for state minimum coverage and $2,014 for full coverage.

Average minimum coverage premium in West Virginia Average annual full coverage premium in West Virginia
$421 $1,580
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

West Virginia car insurance rates by city

Your West Virginia car insurance cost can also vary based on the city you live in. Differences in crime statistics, weather events, parts and repair costs may all raise or lower rates in certain cities. The table below shows average rates in some of the most populated West Virginia cities. If you live in Charleston, Huntington or Parkersburg, rates are close to the state average. But drivers in Morgantown and Wheeling save an average of 7 and 8 percent, respectively.

West Virginia city Average annual full coverage premium Percentage change from West Virginia average annual full coverage premium
Charleston $1,576 -0.5%
Huntington $1,603 1%
Morgantown $1,468 -7%
Parkersburg $1,566 -1%
Wheeling $1,447 -8%

Average car insurance costs by age and gender in West Virginia

Although not all states consider age and gender as auto insurance rating factors, West Virginia does. In general, young drivers with less experience behind the wheel pay higher average rates for car insurance. Men also tend to pay slightly higher rates than women because they are more likely to engage in risky driving behavior. The table below shows how average insurance rates change over time for male and female drivers.

Age Average monthly full coverage premium in West Virginia Average annual full coverage premium in West Virginia
Age 16* $295 $3,536
Age 18 $434 $5,209
Age 20 $311 $3,730
Age 25 $166 $1,996
Age 30 $141 $1,689
Age 40 $133 $1,597
Age 50 $123 $1,478
Age 60 $118 $1,416
Age 70 $129 $1,544

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age Average monthly full coverage premium in West Virginia Average annual full coverage premium in West Virginia
Age 16* $257 $3,089
Age 18 $365 $4,378
Age 20 $256 $3,160
Age 25 $155 $1,858
Age 30 $137 $1,639
Age 40 $130 $1,563
Age 50 $121 $1,455
Age 60 $116 $1,396
Age 70 $127 $1,522

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Cost considerations for young drivers in West Virginia

Young drivers may be able to offset some of their high insurance costs by remaining insured on their parents' policy rather than their own. Note that some carriers may require young drivers to live at home to be listed on their parents' policy.

Age Average annual premium for drivers on their parents' policy in West Virginia Average annual premium for drivers on their own policy in West Virginia
Age 16 $3,312 N/A*
Age 17 $3,114 N/A*
Age 18 $2,880 $4,793
Age 19 $2,510 $3,791
Age 20 $2,370 $3,445

*16- and 17-year-old drivers must be on their parents’ policy.

How does driving record impact the cost of car insurance in West Virginia?

Your driving record is a key metric that may impact your car insurance rates in West Virginia. A single speeding ticket conviction is likely to raise your rates, but more serious infractions like an at-fault accident or DUI conviction typically have a bigger impact on your premium.

Driving incident Average annual full coverage premium in West Virginia Percentage increase from West Virginia average annual full coverage premium
Clean driving record $1,580 N/A
Speeding ticket conviction $1,843 17%
At-fault accident $2,202 39%
DUI conviction $3,014 91%

Car insurance rates in West Virginia by credit score

Another factor that can affect West Virginia car insurance rates is your credit-based insurance score. Drivers with excellent credit scores save an average of 15 percent over the average cost of car insurance in West Virginia. An average credit score could increase rates around 10 percent, while poor credit could mean paying an average of 70 percent more for auto insurance.

Credit tier Average annual full coverage premium in West Virginia Percentage change from West Virginia average annual full coverage premium
Poor $2,688 +70%
Average $1,733 +10%
Good $1,580 N/A
Excellent $1,348 -15%

West Virginia car insurance rates by vehicle type

Did you know that the vehicle you drive impacts your auto insurance rates? Insurance companies may charge different rates based on the make and model of your vehicle. These differences may be the result of varying safety features, repair costs, theft rates and other criteria.

Vehicle Average annual full coverage premium in West Virginia
Toyota Camry N/A
Ford F-150 $1,316
Honda Odyssey $1,365
BMW 330i $2,055
Toyota Prius $1,663

How to save on car insurance in West Virginia

In addition to maintaining a clean driving record, motorists in West Virginia may save on their insurance by using the following strategies:

  • Ask about discounts: Most car insurance companies offer at least a handful of discounts. Reviewing discounts when comparing quotes and when your policy renews each year could help ensure you're taking advantage of all relevant savings opportunities. 
  • Check your mileage: If you carpool to work or work from home, you may be able to get a low-mileage discount on your auto insurance. The less miles you drive per year, the better the discount savings could be.
  • Review your coverage selections: If you own an older car, you may be able to remove comprehensive and collision coverage if the cost of these coverage types is more expensive or on par with the value of the vehicle. Increasing deductibles may be another way to save, but you'll likely want to make sure you can pay the higher deductible or repair your car out of pocket if you remove coverage and you are involved in an accident.
  • Shop around and compare quotes: Each year when your auto insurance is scheduled to renew, you may want to compare several quotes from different companies to ensure you're still getting the cheapest rates. You may be able to save money without changing your coverage just by switching carriers.

Estimate your car insurance cost in West Virginia

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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Written by
Mandy Sleight
Contributor, Personal Finance

Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.

Edited by Editor, Insurance