Cheapest Car Insurance in West Virginia 2021

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Finding the cheapest car insurance in West Virginia takes a little research, but it is worth the effort — even if West Virginia car insurance premiums are lower than the national average. The cost of car insurance in the state is $458 per year for the required minimum coverage and $1,499 a year for full car insurance. Although traffic-related fatalities are higher than the national average, cheap car insurance in West Virginia is quite possible for the state’s licensed drivers.

The cheapest car insurance in West Virginia

Start with the following companies in your search for cheap car insurance in West Virginia. The carriers listed are the most affordable — and popular — in the state.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Nationwide $288 $993
Erie Insurance $316 $1,222
State Farm $411 $1,195
Allstate $584 $2,003
Progressive $615 $1,661

Nationwide

Nationwide gives West Virginia drivers the opportunity to make up for a less-than-perfect driving history. The Nationwide SmartRide program can help you lower the cost of your car insurance by offering discounts for good driving. The program tracks your driving habits through a mobile app and awards you with discounts based on how safely you drive.

Learn more: Nationwide Insurance Review

Erie

Erie is the smallest carrier in the group of cheap car insurance providers in West Virginia, in large part due to providing coverage in a limited number of states, but offers the lowest prices for minimum and full coverage in West Virginia. If you qualify, you may save even more with Erie’s First Accident Forgiveness, which forgives your first claim and prevents your premiums from increasing. You can also save $100 off your deductible each year you do not file a claim, up to $500.

Learn more: Erie Insurance Review

State Farm

Not all of the companies selling the cheapest auto insurance in West Virginia have a physical presence in the state. If you like one-on-one service from your insurance agent, State Farm offers personalized service through its many agent office locations. As the largest car insurance provider in the country, the company offers several discounts and has a network of State Farm agents in 87 West Virginia cities. If you are a driver under the age of 25, you could qualify for a discount by maintaining a clean driving record for at least three years prior and completing State Farm’s Steer Clear program.

Learn more: State Farm Insurance Review

Allstate

Rideshare drivers in West Virginia may be interested in Allstate’s rideshare insurance, which fills the gap in coverage between being offline and accepting a fare. For drivers who do not mind having their driving habits tracked, Drivewise from Allstate may provide savings rewards for being a safe driver. According to Allstate, drivers can save 40% or more on each renewal by allowing Drivewise to monitor their driving habits. If you struggle with determining the right coverage limits, Allstate has a tool you can use to help you decide the right levels of coverage.

Learn more: Allstate Insurance Review

Progressive

Progressive’s Name Your Price Tool allows West Virginia drivers to set a budget and find coverage options within that budget. Progressive also helps drivers compare car insurance rates with other companies so you can easily find the best savings—even if the best deal is not with Progressive. West Virginia insureds can also customize Progressive car insurance with coverages like custom parts and equipment, gap insurance, rental car reimbursement and a deductible savings feature.

Learn more: Progressive Insurance Review

Minimum coverage for West Virginia drivers

All drivers in West Virginia are required to have a minimum of 25/50/25 liability insurance. It breaks down as follows:

  • Bodily injury liability: $25,000 per person
  • Bodily injury liability: $50,000 per accident
  • Property damage liability: $25,000 per accident

If you drive a newer-model vehicle or have assets such as a home or business, you may want to increase your car insurance limits to be better protected financially. If you cause more than $25,000 or $50,000 in damages and injuries to others in an accident, you may be putting yourself at risk of paying out of pocket for costs above your coverage limits. In addition, liability insurance only pays for damages you cause to others, but not to your vehicle. Full coverage that adds comprehensive and collision insurance will also cover your car if it’s damaged or totaled in an accident.

How to get cheap car insurance in West Virginia

Finding the cheapest auto insurance in West Virginia starts with the right company. But there are other ways you can save:

  • Compare extras: Each insurance company has its own optional coverages such as roadside assistance, guaranteed replacement value and mechanical breakdown insurance. To find the company with the best value for your money, compare how your rates are affected when you add extras such as full glass coverage, which applies to any glass on your car that is damaged.
  • Shop around: Getting an online quote is free and takes just a few minutes. By getting several quotes from different car insurance companies, you can find the best deal for your driving profile and coverage needs.
  • Cash in on discounts: All car insurance companies offer discounts as a way to attract and keep new customers. Don’t leave money on the table. Take advantage of as many discounts as the insurer has available such as early or automatic payments, bundling, multiple vehicle and good student discounts.
  • Improve your credit score: West Virginia does not prohibit insurance companies from checking your credit. To avoid paying more for car insurance due to poor credit, work towards improving it by paying down debt and making credit card and loan payments on time. As your credit score increases, your car insurance rates may lower.
  • Increase your deductible: The deductible is the amount you pay if you are involved in an accident. If you are a safe driver without a history of accidents and claims, raising your deductible could be a wise choice to save on your insurance premiums. However, it is important to remember that the higher your deductible the more you will pay in the event of an accident.

Frequently asked questions

What is the best car insurance in West Virginia?

There is no single best car insurance company in West Virginia because it is completely dependent on which insurance company best suits you. However, you can likely find your best option by getting quotes from different carriers to find the right match for your insurance needs and what is most important to you, like price, coverage, discounts or third-party rankings.

Who has the cheapest car insurance in West Virginia?

Based on rates provided for our sample driver, Erie has the cheapest car insurance prices for state minimum and State Farm’s rates are cheapest for full coverage. Your rate will vary based on your age, driving history, location, the type of vehicle you drive and coverages selected.

What is the average cost of car insurance in the U.S.?

The average annual cost of car insurance in the United States is $1,674 for full coverage. In comparison, West Virginia’s premiums are below average at $1,499 a year for full car insurance.

Why do teens and young adults pay more money for car insurance?

Car insurance premiums are based on several factors, such as driving record, age, credit history, coverage type and vehicle. Younger drivers usually face more expensive premiums because they are statistically involved in more fatal and serious crashes, making them a higher risk to insure. The good news is in addition to premiums decreasing as young drivers age, discounts such as for being good students can also help offset premium increases while they work to gain driving experience.

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 sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Rates are determined based on 2020 Quadrant Information Services data.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a finance, real estate and international business journalist. Besides Bankrate.com, her work has been featured in Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and SimpleDollar.com. She owns and operates a small digital marketing and public relations firm that works with select startups and women-owned businesses to provide growth and visibility. Cynthia splits her time between Los Angeles, CA and San Sebastian, Spain. She travels to Africa and the Middle East regularly to consult with women’s NGOs about small business development.