Cheapest Car Insurance In West Virginia (2024)
The cheapest car insurance in West Virginia comes from Erie at $31 per month on average.
Powered by 
To deal with car insurance getting more expensive, West Virginia drivers should consider checking different policies to find the cheapest one. Our reviews team has researched the best car insurance companies nationwide. We thoroughly examined the reputation, satisfaction of customers, coverage choices, and typical premiums of every provider.
In this review, we will discuss the most effective methods for saving money on insurance and where you can locate the most inexpensive car insurance in West Virginia that suits your driving record.
Key Points
- Erie is the cheapest car insurance company in West Virginia overall, with an average rate of $31 per month for minimum coverage and $155 per month for full coverage.
- USAA and AAA also offer affordable car insurance rates for many driver profiles.
- If you’re under 25 or have traffic violations, you’ll notice that your car insurance rates are higher than the average.
- You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
Powered by 
Different car insurance companies have varying ways of evaluating driver profiles. This means that the provider that is the cheapest for one driver may not be the most affordable option for you. Here is a quick overview of the cheapest auto insurance providers in West Virginia, along with the rates they offer for different driver profiles.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | Erie | $31 | $370 |
| Full coverage | Nationwide | $122 | $1,462 |
| 16-year-olds | Erie | $86 | $1,035 |
| 45-year-olds | Erie | $26 | $318 |
| High-risk drivers | Erie | $42 | $503 |
| After a speeding ticket | Erie | $34 | $406 |
| After an accident | Erie | $39 | $471 |
| After a DUI | Erie | $53 | $630 |
| Poor credit drivers | Nationwide | $40 | $486 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with good credit and a clean driving history.
What Is The Cheapest Car Insurance Company In West Virginia?
In general, we discovered that Erie provides the most affordable car insurance in West Virginia for various types of drivers. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in West Virginia.
These rates apply to drivers from various age groups, areas, and driving experiences in West Virginia. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In West Virginia: Erie
Drivers looking for the most affordable coverage that just meets West Virginia state minimum requirements may find it at Erie for about $31 per month or $370 per year on average.
| Cheapest Car Insurance in West Virginia | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Erie | $31 | $370 |
| USAA | $33 | $401 |
| AAA | $39 | $469 |
| Westfield | $40 | $483 |
| Nationwide | $40 | $486 |
| State Farm | $49 | $592 |
| Allstate | $73 | $870 |
| Farmers | $83 | $990 |
| Progressive | $87 | $1,046 |
Cheapest Full Coverage In West Virginia: Nationwide
If you want the most complete coverage for the best price, Nationwide is the best choice. The provider offers full-coverage insurance for an average of $122 per month.
Full-coverage insurance policies in West Virginia generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in West Virginia | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Nationwide | $122 | $1,462 |
| Erie | $155 | $1,860 |
| USAA | $162 | $1,948 |
| Westfield | $190 | $2,281 |
| AAA | $191 | $2,296 |
| Progressive | $202 | $2,423 |
| State Farm | $215 | $2,583 |
| Farmers | $267 | $3,205 |
| Allstate | $304 | $3,651 |
Cheapest Car Insurance In West Virginia: Age
Below, you’ll find average insurance costs for West Virginia drivers ages 16 to 55 as well as the top five budget-friendly car insurance companies for each age group. Drivers aged 30 to 55 typically receive the most affordable car insurance rates because they possess greater driving experience. Additionally, younger drivers are more prone to car accidents statistically compared to this age group.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $251 | $906 |
| 25 | $57 | $219 |
| 35 | $49 | $183 |
| 45 | $48 | $173 |
| 55 | $45 | $160 |
Cheapest West Virginia Car Insurance: Young Drivers
As mentioned, drivers in their teens and early 20s typically pay the most expensive car insurance rates. This is mostly due to the fact that these drivers have less practice driving and are more likely to ignore traffic rules and get into car accidents.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest West Virginia Car Insurance For 16-Year-Olds: Erie
If you’re a teen driver or the parent of one, Erie may be your best bet for finding the most affordable car insurance in West Virginia.
The company’s cheapest average rates for 16-year-old drivers are $86 per month or $1,035 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $415 per month or $4,976 per year from Nationwide.
| Cheapest Car Insurance in West Virginia | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Erie | $86 | $448 |
| Westfield | $132 | $632 |
| Nationwide | $139 | $415 |
| USAA | $174 | $830 |
| State Farm | $200 | $720 |
| AAA | $251 | $1,010 |
| Farmers | $420 | $1,244 |
| Allstate | $425 | $1,592 |
| Progressive | $432 | $1,265 |
Cheapest West Virginia Car Insurance For 25-Year-Olds: Erie
Young drivers in their 20s tend to pay a lot less for car insurance compared to teenagers. Nevertheless, the cost can still be high for this age group depending on which insurance company you go with.
Erie provides the cheapest car insurance costs on average at $34 per month or $407 per year for minimum coverage. Nationwide costs $130 per month or $1,564 per year for full coverage.
| Cheapest Car Insurance in West Virginia | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Erie | $34 | $171 |
| USAA | $36 | $180 |
| AAA | $43 | $213 |
| Nationwide | $44 | $130 |
| Westfield | $44 | $210 |
| State Farm | $54 | $238 |
| Allstate | $73 | $325 |
| Progressive | $91 | $217 |
| Farmers | $93 | $288 |
Cheapest West Virginia Car Insurance: Adult Drivers
Auto insurance is typically the least expensive for people in their 40s who drive. You can compare typical car insurance expenses of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest West Virginia Car Insurance For 35-Year-Olds: Erie
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from Erie. The company offers average minimum-coverage costs of $28 per month or $333 per year. For full coverage, Nationwide’s rates average $113 monthly or $1,359 annually.
| Cheapest Car Insurance in West Virginia | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Erie | $28 | $139 |
| USAA | $31 | $144 |
| AAA | $35 | $169 |
| Westfield | $36 | $170 |
| Nationwide | $37 | $113 |
| State Farm | $44 | $192 |
| Allstate | $72 | $283 |
| Farmers | $72 | $246 |
| Progressive | $83 | $187 |
Cheapest West Virginia Car Insurance For 45-Year-Olds: Erie
Forty-five-year-old drivers may find the most affordable minimum coverage from Erie, with average rates of $26 per month or $318 per year. The cheapest full coverage comes from Nationwide at $109 per month or $1,304 per year.
| Cheapest Car Insurance in West Virginia | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Erie | $26 | $132 |
| USAA | $28 | $129 |
| AAA | $32 | $145 |
| Westfield | $35 | $167 |
| Nationwide | $37 | $109 |
| State Farm | $45 | $188 |
| Farmers | $70 | $227 |
| Allstate | $72 | $283 |
| Progressive | $82 | $179 |
Cheapest West Virginia Car Insurance For 55-Year-Olds: Erie
Typically, people in their 50s can find the best car insurance rates in West Virginia from Erie. The insurer’s average premiums are $25 monthly or $303 annually for minimum coverage. The cheapest full coverage option is from Nationwide, costing $109 monthly or $1,304 annually.
| Cheapest Car Insurance in West Virginia | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Erie | $25 | $125 |
| USAA | $28 | $122 |
| AAA | $28 | $131 |
| Westfield | $31 | $146 |
| Nationwide | $33 | $98 |
| State Farm | $44 | $177 |
| Farmers | $62 | $204 |
| Allstate | $73 | $276 |
| Progressive | $80 | $164 |
Cheapest Car Insurance In West Virginia: High-Risk Drivers
Besides the type of coverage and how old you are, the way you drive has a significant impact on the cost of your car insurance. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including speeding citations, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who have many violations on their records pay car insurance rates that are higher than the average. On average, West Virginia motorists who are deemed high-risk may find the most affordable rates from Erie for minimum coverage or Nationwide for full coverage.
| Cheapest Car Insurance in West Virginia | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Erie | $42 | $196 |
| USAA | $49 | $239 |
| State Farm | $55 | $235 |
| Westfield | $63 | $297 |
| Nationwide | $63 | $192 |
| Allstate | $91 | $389 |
| Progressive | $109 | $280 |
| AAA | $125 | $477 |
| Farmers | $139 | $457 |
Cheapest West Virginia Car Insurance For Drivers With A Speeding Ticket: Erie
Drivers with a speeding citation on their record can generally find the most affordable coverage from Erie, with average rates of $34 per month or $406 per year for minimum coverage and $171 per month or $2,049 per year for full coverage.
| Cheapest Car Insurance in West Virginia | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Erie | $34 | $171 |
| USAA | $40 | $188 |
| Westfield | $40 | $190 |
| Nationwide | $51 | $155 |
| State Farm | $53 | $229 |
| Allstate | $79 | $337 |
| AAA | $91 | $377 |
| Progressive | $103 | $260 |
| Farmers | $113 | $373 |
Cheapest West Virginia Car Insurance For Drivers With An At-Fault Accident: Erie
If you cause a car accident in West Virginia, it can make your car insurance rates go up. Erie tends to offer the most affordable rates on average at about $39 per month or $471 per year for minimum coverage and $184 per month or $184 per year for full coverage.
| Cheapest Car Insurance in West Virginia | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Erie | $39 | $184 |
| USAA | $48 | $230 |
| Westfield | $57 | $270 |
| State Farm | $59 | $246 |
| Nationwide | $62 | $189 |
| AAA | $80 | $340 |
| Allstate | $99 | $426 |
| Progressive | $119 | $306 |
| Farmers | $126 | $393 |
Cheapest West Virginia Car Insurance For Drivers With A DUI: Erie
If you’re a motorist with a drunk driving conviction, you may find the cheapest minimum car insurance in West Virginia from Erie for $53 per month or $630 per year on average. They also have rates of $235 monthly or $2,817 annually for full coverage.
| Cheapest Car Insurance in West Virginia | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Erie | $53 | $235 |
| State Farm | $53 | $229 |
| USAA | $59 | $300 |
| Nationwide | $75 | $231 |
| Westfield | $90 | $431 |
| Allstate | $93 | $405 |
| Progressive | $107 | $273 |
| Farmers | $179 | $604 |
| AAA | $204 | $713 |
Cheapest West Virginia Car Insurance For Drivers With Poor Credit: Nationwide
Car insurance costs are higher for drivers who have poor credit. Those who don’t have the best credit history may want to check out Nationwide, which has an average minimum-coverage rate of $54 per month or $647 per year and an average full-coverage rate of $169 per month or $2,029 per year.
| Cheapest Car Insurance in West Virginia | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Nationwide | $54 | $169 |
| Westfield | $54 | $271 |
| USAA | $62 | $307 |
| Erie | $66 | $361 |
| AAA | $88 | $428 |
| Allstate | $107 | $516 |
| Progressive | $122 | $338 |
| Farmers | $168 | $582 |
| State Farm | $208 | $915 |
Average Cost Of Car Insurance In 10 West Virginia Cities
In West Virginia, the place you live also affects the amount you pay for car insurance. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger numbers of people
- There are an increased number of cars driving on the road.
- More car accidents happening at a greater frequency.
- More instances of breaking traffic rules
- More incidents of car theft and car vandalism
- Extreme weather conditions
Certain factors that increase the chances of car accidents tend to have a greater impact on individuals who own cars in bigger cities. This is the reason why drivers in bustling cities have to pay the highest average price for minimum car insurance coverage. On the other hand, drivers in rural areas, where there is less crime and a smaller population, are more likely to have lower insurance rates.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Charleston | $58.30 | $189.89 |
| Parkersburg | $53.64 | $183.62 |
| Morgantown | $50.69 | $180.47 |
| Martinsburg | $50.02 | $173.44 |
| Huntington | $60.24 | $192.53 |
| Wheeling | $51.21 | $172.30 |
| St. Albans | $59.20 | $188.20 |
| Beckley | $57.34 | $189.35 |
| Weirton | $54.24 | $178.51 |
| Clarksburg | $50.00 | $177.35 |
Top 5 Car Insurance Companies In West Virginia
Besides the cost, we have evaluated more than 40 insurance companies to determine the top five insurers serving West Virginia. We considered their coverage, service, and reliability. Based on our research, we found Erie to be the best provider for most drivers in West Virginia. Here are our ratings for the choices we recommend.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5 | 4.5 |
| #2 AAA | 4.5 | 4.5 | 4.9 | 4.1 | 4.4 |
| #3 Erie | 4.5 | 4.3 | 5 | 4.5 | 4.5 |
| #4 Progressive | 4.5 | 4 | 4.8 | 4.8 | 4.1 |
| #5 USAA | 4.5 | 4.7 | 4.8 | 4.5 | 4.3 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In West Virginia
In West Virginia, you have a few options to reduce how much you pay for your car insurance. These include:
- Opting for minimum coverage: Choosing the lowest amount of coverage mandated by your state will give you the least expensive car insurance option available.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Getting price estimates from several different companies can give you an idea of which provider might give you the best offer.
Many insurance companies offer usage-based insurance programs as an excellent way to save money. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you may receive a significant reduction in cost. However, certain programs may increase your rates if you display risky driving habits.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does West Virginia Require For Car Insurance?
Drivers in West Virginia must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $50,000 bodily injury liability per accident
- $25,000 bodily injury liability per person
- $25,000 property damage liability per accident
- $50,000 underinsured/uninsured motorist bodily injury coverage per accident
- $25,000 underinsured/uninsured motorist bodily injury coverage per person
- $25,000 underinsured/uninsured motorist property damage coverage per accident
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In West Virginia
When it comes to both minimum and full coverage, Erie is the best and most affordable car insurance company for most drivers in West Virginia. While the above costs can give you an idea of what you’d pay for car insurance in West Virginia, seeking an individualized rate will help give you a more accurate picture of what you’ll pay.
Many companies offer quick and free online tools to get a price estimate or you can call an insurance agent directly. Once you have gathered quotes from at least three providers, compare them to find the best option for you.
Powered by
Best Cheap Car Insurance In West Virginia: FAQ
Here are some frequently asked questions about car insurance in West Virginia:
How much is car insurance per month in West Virginia?
Is West Virginia car insurance cheaper?
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.