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Best car insurance in West Virginia for 2023

Updated Sep 15, 2023
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Best car insurance companies in West Virginia

Premium data from Quadrant Information Services shows that West Virginians pay, on average, $1,580 per year for a full coverage car insurance policy. Minimum coverage comes in at about $421 per year. In addition to average cost, Bankrate’s insurance editorial team analyzed other components, such as third-party customer satisfaction scores issued in the J.D. Power 2022 U.S. Auto Insurance Study, corporate sustainability and financial strength. Price isn’t always everything, and conducting a full company review can help you decide if a carrier will be there when you need it most. 

Based on our assessment, the companies that might provide the best West Virginia car insurance could be Geico, USAA, State Farm, Nationwide and Erie.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
834
/1,000
Average monthly full coverage premium
$135
Average annual full coverage premium
$1,625
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
881
/1,000
Average monthly full coverage premium
$112
Average annual full coverage premium
$1,349
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
851
/1,000
Average monthly full coverage premium
$96
Average annual full coverage premium
$1,151
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
829
/1,000
Average monthly full coverage premium
$94
Average annual full coverage premium
$1,122
Erie
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
867
/1,000
Average monthly full coverage premium
$105
Average annual full coverage premium
$1,263
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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.

*USAA not officially ranked by J.D. Power due to eligibility restrictions

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
834
/1,000
Average monthly minimum coverage premium
$29
Average annual minimum coverage premium
$344
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
881
/1,000
Average monthly minimum coverage premium
$26
Average annual minimum coverage premium
$316
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
851
/1,000
Average monthly minimum coverage premium
$27
Average annual minimum coverage premium
$326
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
829
/1,000
Average monthly minimum coverage premium
$35
Average annual minimum coverage premium
$419
Erie
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Mid-Atlantic region)
867
/1,000
Average monthly minimum coverage premium
$23
Average annual minimum coverage premium
$270
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.

*USAA not officially ranked by J.D. Power due to eligibility restrictions

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.

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Insurance Disclosure

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 for digital tools

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 834/1,000 AM Best: A++

Average annual premium

$ 1,625 for full coverage
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Why Geico made our list: Although Geico may not offer the cheapest car insurance in West Virginia, tech-savvy drivers may be willing to look the other way in favor of the company’s robust digital tools. In fact, Geico tied in the 2023 Bankrate Awards for the best auto insurance company overall thanks in part to its highly-rated mobile app and online policy portal. Policyholders can use the mobile app or website to make payments, add drivers, add or remove vehicles, make coverage changes, file a claim, request a tow and more. 

Who Geico may be good for: Drivers looking for a fairly basic auto insurance policy and who don’t mind paying a little more for an easy-to-use website and mobile app may want to contact Geico for a quote. 

Read full Geico Insurance review

Best for military-focused benefits and perks

Rating: 4.3 stars out of 5
4.3 Bankrate Score
JD Power: 881/1,000 AM Best: A++

Average annual premium

$ 1,349 for full coverage
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Why USAA made our list: West Virginians who are active duty military, veterans and their qualifying family members may want to check out USAA car insurance. Drivers that qualify for coverage may find unique military-focused benefits not found with other insurers. For instance, you could get a discount if your vehicle is garaged on base. This could be a boon for those who live on one of West Virginia’s two military bases. Policyholders may also take advantage of USAA Perks, which offers exclusive savings on travel, home security systems, car care and more.  

Who USAA may be good for: USAA could be an excellent choice if you want low average rates, unique military-focused benefits and excellent customer service (as long as you qualify for coverage).  

Read full USAA Insurance review

Best for local agents

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 851/1,000 AM Best: A++

Average annual premium

$ 1,151 for full coverage
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Why State Farm made our list: If you prefer handling your insurance in person with an agent, then State Farm could be your company. The carrier is the largest car insurer by market share and has hundreds of local offices throughout West Virginia. Since you’ll be working with an agent who presumably lives in or near your neighborhood, they could be more in tune with the local insurance market than an agent working in a call center across the country. State Farm is also known to provide top-notch customer service, evidenced by its J.D. Power scores. 

Who State Farm may be good for: Drivers in West Virginia who’d like to support a local business and prefer the personal touch of an in-person agency experience may want to reach out to State Farm. 

Read full State Farm Insurance review

Best for telematics

Rating: 3.9 stars out of 5
3.9 Bankrate Score
JD Power: 829/1,000 AM Best: A+

Average annual premium

$ 1,122 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Nationwide made our list: Nationwide has not one but two telematics programsSmartRide and SmartMiles. SmartRide is the company’s more traditional telematics program that measures your driving behavior via a mobile app or plug-in device. You can save 10 percent just for signing up, and depending on your driving habits, you could earn a discount of up to 40 percent more. SmartMiles is a pay-per-mile insurance program. The company uses a plug-in device to track your mileage and issues a flexible monthly bill statement based on how many miles you drive.  

Who Nationwide may be good for: West Virginians who consistently practice safe driving habits or drive fewer miles than average (perhaps because they work from home or have a second vehicle that they don’t use much) might be interested in learning more about Nationwide’s telematics programs. 

Read full Nationwide Insurance review

Best for drivers on a budget

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 867/1,000 AM Best: A+

Average annual premium

$ 1,263 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Erie made our list: In West Virginia, Erie generally offers average minimum coverage rates much lower than the state average. Erie’s Rate Lock Feature could also prevent your policy from increasing after filing a claim. The company boasts that your rate will be the same each year unless you make certain changes to your policy (updating coverage, drivers or vehicles, for example). In addition to generally low average rates and Rate Lock, Erie offers several car insurance discounts, including a safe driving discount, multi-policy discount and discounts for your vehicle’s safety features. 

Who Erie may be good for: Drivers looking for cheap coverage might find Erie an excellent choice as long as they don’t mind working with a local agent when they need to change their policy. 

Read full Erie Insurance review

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 WV, 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.

How much is car insurance in West Virginia?

The average cost of car insurance in West Virginia for a full coverage policy is $1,580 per year, with minimum coverage averaging $421. These rates are much lower than the national average of $2,014 and $622, 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 $1,266 per year; minimum coverage is $338. Virginia is a bit more expensive than Ohio but still cheaper than West Virginia, with average annual premiums of $1,439 and $494. Compared to these states, West Virginia may experience more frequent flooding, leading to more comprehensive claims and higher average rates. 

Average annual premium for full coverage in West Virginia Average annual premium for minimum coverage in West Virginia
$1,580 $421

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:  

Consider minimum insurance requirements in West Virginia

Almost every state requires its drivers to maintain a certain level of liability insurance to drive on public roads, and West Virginia is no exception. Although it’s impossible to buy a West Virginia car insurance policy that fails to meet the state minimum limits, knowing what those limits are can help provide a baseline when you’re building your coverage package.   

Consider lender requirements

When you finance or lease a car, your lender will almost certainly require you to carry comprehensive and collision, and it may set a maximum deductible limit on these coverage options (usually $500 or $1,000). Drivers who lease usually have additional liability insurance requirements to meet, too. Until you own your vehicle outright, your lender has insurance interest. In other words, your lender wants to ensure that your vehicle will be repaired after a claim since it technically owns the car. If you’re considering purchasing a new car, budgeting for insurance is essential — chances are, your rate may increase (especially if you currently carry a liability-only policy). 

Consider your individual needs

The best car insurance policy is specific to your needs, and West Virginians have some unique considerations regarding coverage options. With its rural, mountainous roads, West Virginia is rugged. While this may lead to scenic drives, it could also present a problem if you break down on the side of the highway. As such, West Virginians may want to consider adding emergency road service. Depending on where you live, you may have limited access to public transportation which means that rental car reimbursement could be helpful to have. Although these endorsements will likely cost extra, the expense may be worth it.

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Written by
Carol Pope
Former Writer, Insurance

Carol Pope is a former 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 Senior Editor, Insurance