Average cost of car insurance in West Virginia for 2021

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There are over 1.1 million licensed drivers on West Virginia roads and over 40% of households own two cars. The average cost of car insurance in West Virginia is $458 on average per year for state minimum liability coverage and $1,499 annually for full coverage.

By shopping for quotes with multiple auto insurance companies to compare West Virginia rates, drivers can find affordable coverage to meet their needs. Where you live in West Virginia and your driving history are the main factors determining how affordable your rates are.

How much does car insurance cost in West Virginia?

While the state you live in is a big factor in how much you will pay for auto insurance rates, your driving record, age, the company you choose for car insurance and the type of car you drive also make a difference. Auto insurance rates are cheaper in West Virginia than the average cost of car insurance nationally, which is $565 per year for state minimum coverage and $1,674 for full coverage. We also compared how much car insurance in West Virginia is based on company, city, age and driving history.

West Virginia car insurance rates by company

The table below shows some of the best car insurance companies offering coverage in West Virginia and rates the average driver could pay. Although we found Nationwide, Erie and USAA to have some of the cheapest car insurance in West Virginia for our sample driver, rates are based on personal and household demographics. The best way to know which auto insurance company is right for you is to get several quotes from different companies to compare coverages and rates.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Allstate $584 $2,003
Erie $316 $1,222
MetLife $809 $2,231
Nationwide $288 $993
Progressive $615 $1,661
State Farm $411 $1,195
USAA $316 $1,185
Westfield $384 $1,549

West Virginia car insurance rates by city

The auto insurance rates in the table below are for the top 20 cities in West Virginia by population density.

City Average annual premium for full coverage % difference from state average annual premium
Charleston $1,444 -4%
Huntington $1,458 -3%
Parkersburg $1,416 -6%
Morgantown $1,348 -10%
Martinsburg $1,277 -15%
Wheeling $1,324 -12%
Weirton $1,347 -10%
Beckley $1,472 -2%
Fairmont $1,372 -9%
Clarksburg $1,373 -8%
Hedgesville $1,319 -12%
South Charleston $1,449 -3%
Berkeley Springs $1,310 -13%
Chapmanville $1,734 16%
St. Albans $1,447 -3%
Charles Town $1,290 -14%
Cross Lanes $1,443 -4%
Bluefield $1,398 -7%
Vienna $1,423 -5%
Dunbar $1,443 -4%

West Virginia car insurance rates by age

In West Virginia, inexperienced young drivers will pay the most for auto insurance. Drivers in the 50- and 60-year-old age groups tend to pay the cheapest rates for car insurance. The more experience you have behind the wheel and the more you avoid tickets and at-fault accidents, the more you can potentially save on car insurance per month in West Virginia.

Age Average annual premium in West Virginia
Age 16* $2,276
Age 18 $4,879
Age 20 $3,514
Age 25 $1,907
Age 30 $1,673
Age 40 $1,598
Age 50 $1,464
Age 60 $1,405
Age 70 $1,536

*16 year old calculated on parent’s policy disclosure

West Virginia car insurance rates by driving record

Maintaining a clean driving record is one way to keep cheap car insurance costs in West Virginia. A driver with a speeding ticket can see an average increase of 17% in annual premiums but that increased amount more than doubles for an at-fault accident. Drivers with a DUI conviction in West Virginia pay on average 79% more per year for car insurance than drivers without a DUI.

Driving incident Average annual full coverage premium in West Virginia % increase of average annual premium
Speeding ticket $1,757 17%
Accident $2,038 36%
DUI $2,680 79%

How to save on car insurance in West Virginia

Other than keeping a clean driving record, there are several ways to save on car insurance in West Virginia:

  • Ask about discounts: Most car insurance companies offer several discount options to make auto insurance more affordable. If you have not reviewed your policy recently, discuss your coverages and discounts with your licensed insurance agent to make sure you are getting all the discounts you are eligible for.
  • 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.
  • Consider a new car purchase: If you are in the market for a new car, consider the safety features offered for different makes and models. Typically, the safer a car is, the less expensive it will be to insure. Safety features are designed to reduce occupant injuries and deter theft and include anti-lock brakes, automatic seatbelts, daytime running lights and built-in alarm features.
  • Review coverages: If you own an older car, you may be able to remove comprehensive and collision coverage for more savings if the book value is low. Increasing deductibles is another good way to save, but be sure you can pay the higher deductible or to repair your car if you remove coverage and you are involved in an accident.
  • Shop for car insurance: Each year when your auto insurance is scheduled to renew, get several quotes from different companies to compare. You may be able to save money without changing coverages just by switching carriers.

Frequently asked questions

How long should you carry full coverage on a car?

This answer is different for everyone, but generally once the book value of the car has reduced enough that you can afford to pay for claims out of pocket, it may be time to remove comprehensive and collision coverage. If the vehicle still has a loan or lease, check with your lender before you make coverage changes to make sure you are satisfying the loan terms.

What cars have the lowest insurance rates?

Insurance rates are based on several factors besides the vehicle, including where you live and your driving record. Cars with more safety features tend to have the lowest auto insurance rates because they reduce injuries and have more security features to ward off theft temptation.

What is the cheapest car insurance in West Virginia?

According to analysis of a sample driver, Nationwide has the cheapest auto insurance rates for state minimum and full coverage in West Virginia. However, your rates may be different based on what West Virginia city you live in, the type of car you drive, how old you are and your driving history.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

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