Why you can trust Insure.com
At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.
Understanding potential costs is essential when seeking auto insurance in West Virginia. On average, car insurance in West Virginia costs $2,005 annually or $167 monthly. This figure contrasts with the national average of $1,895, showcasing a variance of $110 from the state average.
You’re likely aware of this if you’re a resident here. Numerous factors contribute to car insurance premiums. Among them are age, gender, driving history, credit score, and location.
This guide also provides insights into the average cost of full coverage in the state, companies offering affordable monthly premiums, average car insurance rates across cities in West Virginia, and car insurance rates by age group.
It’s wise to shop around and compare quotes to ensure you’re not overpaying for auto insurance. Continue reading the guide to ensure your insurance policy meets your needs without surpassing your budget.
Key Takeaways
- Based on Insure.com’s in-depth data analysis, car insurance in West Virginia costs $2,005 per year.
- In West Virginia, the average premium for car insurance is $167 per month.
- At $1,215 a year, Nationwide has the cheapest car insurance rates in West Virginia.
Average car insurance cost in West Virginia per month
In West Virginia, the monthly rate for car insurance is $167.
This rate can vary among companies, as is the case with every auto insurance carrier. When exploring car insurance rates in West Virginia, it’s best to obtain quotes from multiple companies to ensure you find the most suitable coverage at the best possible price.
Cheapest car insurance companies in West Virginia
According to Insure.com’s rate analysis, the most affordable provider of car insurance premiums in West Virginia is Nationwide, with an average annual cost of $1,215 and a monthly average of $101. Following closely is State Farm, providing coverage at an average monthly rate of $141.
The following table lists additional car insurance companies operating in West Virginia and their respective average monthly and annual costs.
Affordable car insurance providers in West Virginia
| Company name | Average per month cost | Average annual cost |
|---|---|---|
| Nationwide | $101 | $1,215 |
| State Farm | $141 | $1,691 |
| Erie Insurance | $142 | $1,709 |
| Progressive | $152 | $1,825 |
| Westfield Insurance | $176 | $2,111 |
| Geico | $187 | $2,248 |
| Farmers | $203 | $2,442 |
| Encova Insurance | $244 | $2,933 |
| Allstate | $261 | $3,132 |
| USAA | $99 | $1,189 |
Read our guide to cheap car insurance companies
West Virginia car insurance calculator
Add a vehicle to Compare!!!
No matches found for the selected filter options..!!!
West Virginia
Average cost of car insurance by coverage levels in West Virginia
The extent of coverage you select determines car insurance costs in West Virginia. Your liability limits and whether you opt for comprehensive, or collision coverage determine your premiums.
Liability-only insurance protects against third-party property damage and personal injuries in accidents. However, in the event of a collision, having liability coverage alone would not extend to your injuries or personal property damage since you are responsible for the accident. For instance, with a 50/100/50 liability-only coverage limit, the average annual cost in West Virginia amounts to $585.
Expanding your policy to include more coverage results in a higher insurance premium. This is because the insurance provider is liable to compensate you for accidents or other damage. Consequently, the average annual cost of full coverage car insurance in West Virginia stands at $2,005.
Non-owner state minimum liability coverage is the most appropriate choice for individuals who do not own a vehicle but regularly rent one. Like liability-only coverage, it protects property damage and bodily injury inflicted upon another driver. In West Virginia, the average annual cost for non-owner state minimum liability coverage stands at $367.
Meanwhile, for those who wish to save money on car insurance premiums, selecting only the state minimum liability coverage enables legal driving within the state. The annual cost for state minimum liability coverage alone amounts to $510 in West Virginia.
Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.
Car insurance rates in West Virginia by city
Average car insurance cost in West Virginia by city
Your car insurance premium is determined by several factors, such as your state, city, and even ZIP code. The frequency of accidents and the probability of vehicle theft or vandalism play a role in determining the overall cost associated with a city or ZIP code.
The table below depicts the top popular cities in West Virginia:
| City | Average annual cost |
|---|---|
| Beckley | $1,984 |
| Charleston | $1,987 |
| Clarksburg | $1,886 |
| Huntington | $1,985 |
| Martinsburg | $1,807 |
| Morgantown | $1,935 |
| Parkersburg | $1,932 |
| Weirton | $1,844 |
| Wheeling | $1,810 |
Average car insurance cost in West Virginia by age of the driver
Age is a significant factor affecting auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to any other age group. For instance, in West Virginia, the average annual rate for young drivers is $3,197, whereas for seniors, it’s $1,959. Notably, the rate for young drivers surpasses that of senior drivers by $1,238.
Statistics indicate that young drivers face a greater risk of car accidents than seasoned drivers. Consequently, they are classified as high-risk individuals. They are more expensive to insure due to tendencies such as speeding and limited road experience. However, premiums rise again around age 70 as certain age-related factors may affect driving capabilities.
Average car insurance cost in West Virginia for young drivers
In West Virginia, female young drivers typically pay an average annual car insurance cost of $3,037 and $253 per month.
Conversely, male young drivers pay an average annual rate of $3,361, or $280 per month.
The average annual rates for young male and female drivers are listed in the table below:
| Age of driver | Average annual cost for Male drivers | Average annual cost for Female drivers |
|---|---|---|
| 20 | $4,429 | $3,848 |
| 21 | $3,449 | $3,075 |
| 22 | $3,211 | $2,881 |
| 23 | $2,982 | $2,774 |
| 24 | $2,784 | $2,633 |
Average car insurance cost in West Virginia for senior drivers
In West Virginia, senior female drivers pay an annual car insurance cost of $1,941, equating to $162 per month. Similarly, male senior drivers face an average yearly expense of $1,976, or $165 per month.
| Age of driver | Average annual cost for Male drivers | Average annual cost for Female drivers |
|---|---|---|
| 65 | $1,813 | $1,800 |
| 70 | $1,941 | $1,907 |
| 75 | $2,170 | $2,116 |
Read more about senior car insurance
Minimum car insurance requirements in West Virginia
Every state establishes laws regarding the minimum car insurance coverage drivers must possess to lawfully drive a vehicle. As outlined by the West Virginia Department of Insurance, the following are the mandatory coverages and minimum coverage limits mandated in West Virginia:
- Bodily injury per person: $25,000
- Bodily injury per accident: $50,000
- Personal property coverage per person: $25,000
Cheapest cars to insure in West Virginia
Insurance costs are lowest for Honda HR-V owners, with an annual premium of $1,401. Kia Seltos follows closely at $1,418 per year. The difference in the cost of insuring these two models is $17 annually.
| Make | Model | Average annual premium |
|---|---|---|
| Honda | HR-V | $1,401 |
| Kia | Seltos | $1,418 |
| Mazda | CX-30 | $1,439 |
| Honda | CR-V | $1,465 |
| Hyundai | Venue | $1,472 |
| Chevrolet | TrailBlazer | $1,482 |
| Hyundai | Kona | $1,500 |
| Ford | Maverick | $1,502 |
| Toyota | Corolla Cross | $1,506 |
| Volkswagen | Tiguan | $1,529 |
Most expensive cars to insure in West Virginia
The most expensive car to insure on the list is the BMW M8, which has an average annual premium of $6,960. However, the difference between the cheapest and most expensive cars to insure is $5,559 annually.
| Make | Model | Average annual premium |
|---|---|---|
| BMW | M8 | $6,960 |
| Maserati | Quattroporte | $6,940 |
| BMW | I7 | $6,832 |
| Porsche | Taycan GTS | $6,626 |
| Nissan | Z Performance | $6,624 |
| Audi | RS6 Avant | $6,592 |
| BMW | Alpina B8 | $6,516 |
| Porsche | 911 Sport Classic | $6,476 |
| Genesis | G90 | $6,461 |
| Jaguar | F-Type R | $6,383 |
Methodology
The Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.
The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:
The quoted insurance rates are for comparison purposes, and your individual rates may vary.
57M
Quotes reviewed
136
No. of carriers analyzed
34.5K
ZIP codes analyzed
How much is car insurance in other states
Explore other insurance options in West-Virginia
- Average car insurance cost in West Virginia per month
- Cheapest car insurance companies in West Virginia
- Average cost of car insurance by coverage levels in West Virginia
- Average car insurance cost in West Virginia by city
- Average car insurance cost in West Virginia by age of the driver
- Minimum car insurance requirements in West Virginia
- Cheapest cars to insure in West Virginia
- Most expensive cars to insure in West Virginia
- Methodology