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Best car insurance in West Virginia for 2024

Updated Apr 11, 2024
The best auto insurance policies in West Virginia include those written by Geico, USAA, State Farm, Nationwide and Erie.
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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.

Best car insurance companies in West Virginia

As is true in most states, West Virginia drivers need car insurance to drive legally on public roads. The good news for many drivers is that the average cost of car insurance in the state is lower than the national average. West Virginia drivers pay an average rate of $532 per year for minimum coverage and $2,037 per year for full coverage.

Bankrate's insurance editorial team analyzed these rates from Quadrant Information Services, as well as third-party rates for customer satisfaction from the J.D. Power 2023 Auto Insurance Study to get an idea of the best companies in West Virginia. We further analyzed coverage options, discounts and digital tools to round out our list of companies writing the best policies in the Mountain State.

Insurance company
Bankrate Score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
N/A
N/A
4.2
Rating: 4.2 stars out of 5
$1,641
$348
4.3
Rating: 4.3 stars out of 5
$2,158
$548
4.0
Rating: 4 stars out of 5
N/A
N/A
4.0
Rating: 4 stars out of 5
$1,703
$380

Geico

Best for digital tools

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

Not available

Avg. full coverage premium

Not available

Customer satisfaction

818/1,000

USAA

Best for military-focused benefits and perks

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$137/mo

Avg. full coverage premium

$1,641/yr

Customer satisfaction

877/1,000

State Farm

Best for local agents

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$180/mo

Avg. full coverage premium

$2,158/yr

Customer satisfaction

843/1,000

Nationwide

Best for telematics

Nationwide

4

Rating: 4 stars out of 5

Avg. full coverage premium

Not available

Avg. full coverage premium

Not available

Customer satisfaction

820/1,000

Erie

Best for drivers on a budget

Erie

4

Rating: 4 stars out of 5

Avg. full coverage premium

$142/mo

Avg. full coverage premium

$1,703/yr

Customer satisfaction

863/1,000

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How Bankrate chose the best car insurance companies in West Virginia

In today’s uncertain economic times, Bankrate understands the importance of affordability when requesting car insurance quotes. When conducting our study to find the best car insurance in West Virginia, we first started by analyzing average premium data from Quadrant Information Services.

However, we also know that the best car insurance isn’t necessarily the cheapest. To help our readers holistically evaluate carriers on a range of metrics, including coverage options, digital tools, discount availability and more, we created our proprietary Bankrate Scoring model. Bankrate Scores range from 0.0 to 5.0, and the higher a company scores, the better it fared during our assessment.

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Why you can trust Bankrate

Read our full methodology

To help West Virginia drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

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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.

How to find the best car insurance in West Virginia

A well-tailored car insurance policy can provide peace of mind — and vital financial protection — if you’re involved in an accident. However, with so many providers to choose from, finding the best auto insurance in West Virginia may seem daunting. Bankrate can help. In our experience, you might find the process a little easier if you keep the following considerations in mind:

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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.

How much is car insurance in West Virginia?

The average cost of car insurance in West Virginia for a full coverage policy is $2,037 per year, with minimum coverage averaging $532. These rates are much lower than the national averages of $2,299 and $637, respectively. In contrast, West Virginia is a little more expensive than some of its neighbors, namely Ohio and Virginia.

Ohio's average full coverage rate is $1,485 per year; minimum coverage is $532. Virginia is a bit more expensive than Ohio but still cheaper than West Virginia, with average annual premiums of $1,963 and $677 for full and minimum coverage, respectively. West Virginia's higher rates may be due to the flooding the state experiences as well as the state's rugged rural roadways.

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

Estimate your car insurance cost in West Virginia

Although collecting car insurance quotes is the most accurate way to estimate your rates, Bankrate's handy car insurance calculator can give you a benchmark that may be useful while shopping around. Just answer a few basic questions to estimate your cost of car insurance in West Virginia.

Calculate your monthly car insurance payment

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

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