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Cheapest Car Insurance in West Virginia 2023

Bankrate’s extensive study found that Encompass, Erie and USAA may offer the cheapest car insurance in West Virginia.

Updated Apr 11, 2023
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The cheapest car insurance companies in West Virginia

If you’re wondering how to save on car insurance in West Virginia, a good tactic may be to shop with companies known to offer low rates for your particular circumstances. For example, some carriers’ underwriting algorithms might be friendlier to younger drivers than others, leading to lower base rates for policies including teen drivers. We’ve curated a list of some of the cheapest companies below for a variety of situations: 

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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.

Cheapest company for minimum coverage

Company Average monthly minimum coverage premium Average annual minimum coverage premium
Encompass $22 $266

Cheapest company for full coverage

Company Average monthly full coverage premium Average annual full coverage premium
Encompass $84 $1,012

Cheapest company for adding a teen driver

Company Average monthly minimum coverage premium Average annual minimum coverage premium
Encompass $40 $481

Cheapest company for getting a speeding ticket

Company Average monthly minimum coverage premium Average annual minimum coverage premium
Erie $23 $280

Cheapest company for being in an at-fault accident

Company Average monthly minimum coverage premium Average annual minimum coverage premium
Erie $25 $302

Cheapest company after a high-risk incident

Company Average monthly minimum coverage premium Average annual minimum coverage premium
Erie $37 $442

The cheapest car insurance companies in West Virginia by coverage level 

According to rate data from analytics company Quadrant Information Services, the average annual cost for a full coverage car insurance policy in West Virginia is $1,580; minimum coverage averages $421 per year. Since these rates are quite a bit lower than the national average ($2,014 and $622, respectively), drivers in West Virginia may want to raise their liability limits or add some endorsements to create a well-rounded coverage package. Since car insurance in West Virginia is so cheap, they may still pay less than the national average, even with a robust policy.

Below, we’ve listed companies that offer cheap car insurance in West Virginia for both full and minimum coverage policies. You might find it helpful to use this information as a baseline if you’re shopping for a new policy.

Encompass
Rating: 3.5 stars out of 5
3.5
Bankrate Score
Info
Average monthly minimum coverage premium
$22
Average annual minimum coverage premium
$266
Annual savings vs. State average*
- $155
Erie
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
Average monthly minimum coverage premium
$23
Average annual minimum coverage premium
$270
Annual savings vs. State average*
- $151
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
Average monthly minimum coverage premium
$26
Average annual minimum coverage premium
$316
Annual savings vs. State average*
- $105
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
Average monthly minimum coverage premium
$27
Average annual minimum coverage premium
$326
Annual savings vs. State average*
- $95
Westfield
Rating: 3.5 stars out of 5
3.5
Bankrate Score
Info
Average monthly minimum coverage premium
$28
Average annual minimum coverage premium
$339
Annual savings vs. State average*
- $82
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
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.

*Based on policies with minimum coverage for 2023

Encompass
Rating: 3.5 stars out of 5
3.5
Bankrate Score
Info
Average monthly full coverage premium
$84
Average annual full coverage premium
$1,012
Annual savings vs. State average*
- $568
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
Average monthly full coverage premium
$94
Average annual full coverage premium
$1,122
Annual savings vs. State average*
- $458
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
Average monthly full coverage premium
$96
Average annual full coverage premium
$1,151
Annual savings vs. State average*
- $429
Erie
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
Average monthly full coverage premium
$105
Average annual full coverage premium
$1,263
Annual savings vs. State average*
- $317
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
Average monthly full coverage premium
$112
Average annual full coverage premium
$1,349
Annual savings vs. State average*
- $231
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
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.

*Based on policies with full coverage for 2023

Cheapest cities in West Virginia for car insurance 

In West Virginia, car insurance companies can use your ZIP code as a rating factor when determining your premium. Typically, those that live in bigger cities pay more expensive rates because a higher population density usually leads to more traffic accidents. If you’re thinking about moving to West Virginia (or moving within the state) and want to pay the cheapest rates, then you may want to check out some of these cities:

City City average annual minimum coverage premium Cheapest car insurance company Company average annual minimum coverage premium
Delray $352 Erie $232
Mathias $352 State Farm $219
Moorefield $352 State Farm $231
Old Fields $352 Erie $232
Wardensville $352 State Farm $221
City City average annual full coverage premium Cheapest car insurance company Company average annual full coverage premium
Valley Grove $1,437 Encompass $983
Harpers Ferry $1,439 Nationwide $970
Ridgeway $1,439 Nationwide $976
Rippon $1,442 Nationwide $970
Kearneysville $1,443 Nationwide $970

Factors that impact cheap rates in West Virginia

Situations like adding a driver or getting a ticket can impact your car insurance premium. We’ve broken down some common scenarios below to help you find affordable car insurance in West Virginia, even after a less-than-ideal life event.      

Insuring a teen driver

Many parents cringe at the thought of adding their teen driver to their policy, and perhaps for good reason — due to their inexperience behind the wheel, teens and young adults pay some of the most expensive rates. However, you might find that low-cost car insurance in West Virginia is still within reach by shopping with some of the companies we’ve listed here:

Car insurance company Average annual minimum coverage premium Average annual full coverage premium
Encompass $481 $1,516
Erie $544 $2,621
Nationwide $623 $1,741
Geico $781 $3,425
Westfield $790 $3,486

Getting a speeding ticket

Unfortunately, getting a speeding ticket conviction is something that many drivers may experience at some point in their lives. The good news is that you may still find cheap West Virginia car insurance even with a speeding ticket on your record. In fact, all of the companies below offer average or below-average rates for drivers with a speeding ticket:

Car insurance company Average annual minimum coverage premium Average annual full coverage premium
Erie $280 $1,313
Encompass $302 $1,151
Westfield $339 $1,515
USAA $373 $1,580
State Farm $374 $1,318

Getting into an at-fault accident

Getting into an at-fault accident will usually increase your premium a bit more than a speeding ticket conviction. Statistically, getting into one at-fault accident could lead to more claims, so insurance companies raise rates accordingly to offset this heightened risk. Even so, you might find cheap auto insurance in West Virginia by requesting quotes from these companies — most of them offer rates lower than the state average.

Car insurance company Average annual minimum coverage premium Average annual full coverage premium
Erie $302 $1,392
Encompass $342 $1,324
Westfield $402 $1,808
State Farm $416 $1,447
USAA $482 $2,020

Being deemed a high-risk driver

Certain types of driving incidents could lead your car insurance company to deem you a high-risk driver. Among these are DUIs, which may be the most severe high-risk infraction. Finding cheap insurance in West Virginia after a DUI conviction may be challenging. We’ve listed some of the lowest rates we could find for West Virginians with a DUI, but you may still want to contact companies for more information, as not all drivers with a DUI may qualify for coverage.

Car insurance company Average annual minimum coverage premium Average annual full coverage premium
Erie $442 $1,923
State Farm $490 $1,673
USAA $567 $2,556
Allstate $698 $3,533
Nationwide $747 $1,963

Minimum coverage requirements for West Virginia drivers

West Virginia law mandates that drivers must have a minimum level of liability coverage to drive legally, including: 

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured motorist bodily injury per person
  • $50,000 uninsured motorist bodily injury per accident
  • $25,000 uninsured motorist property damage per accident

If you can afford to (especially if you 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 the cheapest 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. You may find it especially impactful to shop after significant life events, such as getting married, moving, adding a young driver, buying a new car or getting into an at-fault accident.

Improve your credit score

West Virginia does not prohibit insurance companies from using your credit-based insurance score as a factor when determining your premium. To avoid paying more for car insurance due to poor credit, work toward 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.

Car insurance discounts in West Virginia

Even if you’re already paying lower-than-average premiums, you might find further West Virginia car insurance savings by taking advantage of discounts, including:

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. 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 coverage that meets each state’s requirements. Our base profile drivers own a 2021 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.

Bankrate Score

Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories. 

Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
  • Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
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Written by
Carol Pope
Insurance Writer

Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.

Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute