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Average cost of car insurance in West Virginia for 2024

Updated Nov 13, 2024
The 2024 average annual cost of car insurance in West Virginia is $2,132 for full coverage and $562 for minimum coverage.
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How much is car insurance in West Virginia?

Navigating the landscape of car insurance rates in West Virginia can be a challenge. At Bankrate, we leverage our team’s insurance expertise and in-depth analysis of rate data from Quadrant Information Services to provide credible insurance insights. The average car insurance cost in West Virginia is $562 per year for minimum coverage and $2,132 per year for full coverage. It's essential to remember that these figures are averages and individual premiums may vary based on various factors.

Key takeaways

  • The average monthly car insurance rate in West Virginia is $47 for minimum coverage and $178 for full coverage.
  • Drivers with poor credit in West Virginia pay an average of 117 percent more for car insurance than those with good credit.
  • Based on average rates, having a DUI conviction on your record in West Virginia could double your premium.
  • Young drivers who opt to stay on their parent’s policy could pay around 36 percent less on their car insurance premiums.

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West Virginia car insurance rates by city

Your West Virginia car insurance cost can vary based on the city you live in. Differences in crime statistics, weather events, parts and repair costs may all contribute to higher or lower rates in certain cities. Rates in large urban areas are also impacted by the increased potential for accidents on congested city highways and streets. The table below shows average rates in 10 of the most populated West Virginia cities.

City Avg. annual full coverage premium Avg. savings vs. state average

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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.

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.

Average car insurance costs by age and gender in West Virginia

As in many states, in West Virginia, age plays a significant role in determining car insurance costs. Statistically, younger drivers are associated with a higher risk of accidents due to inexperience with driving, which typically results in higher premiums. However, as drivers mature and gain more experience behind the wheel, rates tend to decrease, reflecting a lower risk level, as long as the drivers maintain a clean driving record. The rates presented in the tables below pertain to drivers on their own car insurance policies.

Conversely, the figures for younger drivers (showcased further down the page) reflect the average you can expect when a young driver is added to their parents’ policy. Notably, age and gender may influence rates differently across states. For instance, age is not a determining factor in Hawaii and Massachusetts, just as gender does not affect rates in California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania.

Age 16*
Average annual full coverage premium in WV
$4,691
Average minimum coverage premium in WV
$1,390
Age 18
Average annual full coverage premium in WV
$6,121
Average minimum coverage premium in WV
$1,720
Age 20
Average annual full coverage premium in WV
$4,673
Average minimum coverage premium in WV
$1,184
Age 25
Average annual full coverage premium in WV
$2,685
Average minimum coverage premium in WV
$675
Age 30
Average annual full coverage premium in WV
$2,290
Average minimum coverage premium in WV
$581
Age 40
Average annual full coverage premium in WV
$2,146
Average minimum coverage premium in WV
$558
Age 50
Average annual full coverage premium in WV
$1,986
Average minimum coverage premium in WV
$536
Age 60
Average annual full coverage premium in WV
$1,887
Average minimum coverage premium in WV
$526
Age 70
Average annual full coverage premium in WV
$2,033
Average minimum coverage premium in WV
$584
*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 16*
Average annual full coverage premium in WV
$4,128
Average minimum coverage premium in WV
$1,277
Age 18
Average annual full coverage premium in WV
$5,615
Average minimum coverage premium in WV
$1,591
Age 20
Average annual full coverage premium in WV
$3,988
Average minimum coverage premium in WV
$1,073
Age 25
Average annual full coverage premium in WV
$2,545
Average minimum coverage premium in WV
$673
Age 30
Average annual full coverage premium in WV
$2,260
Average minimum coverage premium in WV
$592
Age 40
Average annual full coverage premium in WV
$2,119
Average minimum coverage premium in WV
$566
Age 50
Average annual full coverage premium in WV
$1,872
Average minimum coverage premium in WV
$537
Age 60
Average annual full coverage premium in WV
$1,846
Average minimum coverage premium in WV
$523
Age 70
Average annual full coverage premium in WV
$2,000
Average minimum coverage premium in WV
$587
*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
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Bankrate’s take: West Virginia car insurance rates can differ between genders for various reasons. Insurers use historical data to assess the likelihood of future claims and this data has often indicated differences in driving behaviors between male and female drivers. For instance, some studies suggest that male drivers are more prone to engage in risky behaviors such as speeding or driving under the influence, leading to higher accident rates. On the other hand, female drivers might tend to file more minor claims. While these generalizations don't apply to every individual, insurance companies use these trends to inform their rate-setting processes. However, every insurance company has its own algorithm for evaluating risk and this is just one of many factors considered when determining premiums.

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 purchasing their own. Note that carriers generally require drivers to live at home to be listed on their parents' policy.

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Age 16*
Avg. annual premium for drivers in WV
$4,409
Age 17
Avg. annual premium for drivers in WV
$4,094
Age 18
Avg. annual premium for drivers in WV
$3,778
Age 19
Avg. annual premium for drivers in WV
$3,311
Age 20
Avg. annual premium for drivers in WV
$3,140
*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 18
Avg. annual premium for drivers in WV
$5,868
Age 19
Avg. annual premium for drivers in WV
$4,717
Age 20
Avg. annual premium for drivers in WV
$4,331
*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 Avg. annual premium difference for drivers on their own policy
Age 18 55 percent more
Age 19 42 percent more
Age 20 38 percent more

*18- and 20-year-old are renters on their own policies with no discounts applied

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

A driver's record will considerably influence their car insurance premium. Incidents such as speeding, at-fault accidents and DUIs are viewed by insurers as indications of higher risk. For example, a speeding ticket might result in a moderate rate increase, while a DUI can substantially elevate premiums due to the severe risks associated with intoxicated driving. Comparing the average cost of car insurance in West Virginia for drivers with one of these incidents to those with a clean driving record shows that maintaining a clean driving history can lead to more favorable premiums.

The table below illustrates the variance in average rates based on driving incidents.

Clean driving record
Avg. annual premium* in West Virginia
$2,132
Percentage increase from West Virginia avg. annual premium*
0%
Avg. annual premium* in West Virginia
$2,494
Percentage increase from West Virginia avg. annual premium*
17%
Avg. annual premium* in West Virginia
$2,841
Percentage increase from West Virginia avg. annual premium*
33%
Avg. annual premium* in West Virginia
$3,718
Percentage increase from West Virginia avg. annual premium*
74%
*The rates reflected are for full coverage policies.

Car insurance rates in West Virginia by credit tier

Another factor that can affect West Virginia car insurance rates is your credit-based insurance score. Drivers with excellent credit histories pay an average of 22 percent less than the average cost of car insurance in West Virginia. Those within an average credit tier pay about 13 percent more than average, while poor credit could mean paying an average of 117 percent more for auto insurance.

Avg. annual premium* in West Virginia
$4,618
Percentage change from West Virginia average annual premium*
117%
Average
Avg. annual premium* in West Virginia
$2,405
Percentage change from West Virginia average annual premium*
13%
Avg. annual premium* in West Virginia
$2,132
Percentage change from West Virginia average annual premium*
0%
Excellent
Avg. annual premium* in West Virginia
$1,674
Percentage change from West Virginia average annual premium*
-22%
*Rates reflect full coverage policies.

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.

Avg. annual premium* in West Virginia
$2,132
Avg. annual premium* in West Virginia
$2,080
Avg. annual premium* in West Virginia
$1,885
BMW 330i
Avg. annual premium* in West Virginia
$2,722
Toyota Prius
Avg. annual premium* in West Virginia
$2,231
*Rates reflect full coverage policies.

Estimate your car insurance cost in West Virginia

Navigating the multitude of car insurance options and trying to anticipate your potential premium might seem like a confusing task. However, Bankrate's convenient calculator widget aims to simplify the process. By entering a few key details, our tool offers a ballpark figure of what you might pay for coverage in West Virginia. While it doesn't provide a precise quote, it does offer a glimpse at what you could expect your rate to be to help you plan your finances.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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How to save on car insurance in West Virginia

Car insurance is a necessary expenditure, but that doesn’t mean it has to break the bank. While West Virginia car insurance rates can be influenced by multiple factors, there are proactive steps drivers can take to alleviate some of these costs. In addition to the  benefit of maintaining a clean driving record, there are several other strategies that could potentially lower your premium in West Virginia.

  • Ask about discounts: Car insurance providers often offer discounts to eligible drivers to help them save on premiums. These can range from paperless billing to claims-free drivers, safety features in your vehicle, and more. Some may be easy to qualify for quickly, while others may take more time and intention.
  • Check your mileage: If you drive less than others, you may qualify for a low-mileage discount. Alternatively, you might benefit from usage-based insurance, which determines rates partly based on how much you drive.
  • 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 want to make sure you can pay the higher deductible or repair your car out of pocket in a pinch if you are involved in an accident. You’ll have to maintain at least the state-required minimum coverage levels.
  • Shop around and compare quotes: Most auto insurance policies are renewed annually. That can be a wise time to compare your current insurer to some alternatives and potentially switch carriers. Many insurers offer free online quotes, which can be used to see which may provide you with the cheapest rates. In some cases, you may be able to save money by not renewing your current policy and instead changing to one of these new providers.
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