Cheapest car insurance in West Virginia 2023

Illustration of a license plate with the shape of the state of West Virginia in the center, with text in the style of a license plate number that reads "SAV MOR"Image: Illustration of a license plate with the shape of the state of West Virginia in the center, with text in the style of a license plate number that reads "SAV MOR"

In a Nutshell

The average cost of car insurance in West Virginia varies based on individual circumstances, such as credit score, age, driving history and vehicle. We’ve crunched the data for several different driver profiles and found some of the lowest-cost insurers for drivers in the state.
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Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.


Are you planning to explore West Virginia’s Appalachian range? First, you should make sure your ride is protected with the right affordable car insurance.

We’ve looked at insurance companies from around West Virginia to calculate the average cost of car insurance and determine which insurers offer the cheapest rates for different driver needs and profiles.

There are lots of factors that affect the cost of car insurance, like your age, vehicle type, mileage, coverage options and driving history. In order to evenly compare insurers, we based our calculations on a minimum-coverage policy and relatively neutral driver profile — no accidents, tickets or claims, for example (see our full methodology). The rates you see may be higher or lower depending on your specific profile and needs.

Learn about West Virginia’s average car insurance rates and our findings for the cheapest options.



Cost of car insurance in West Virginia

Average monthly premiums for car insurance in West Virginia range from just under $50 up to over $100, depending on type of coverage and driver profile.

Average monthly auto insurance premiums in West Virginia

Driver or coverageAvg. monthly cost
State-minimum car insurance in West Virginia$48.81
Drivers with poor credit in West Virginia$80.01
Drivers with multiple claims in West Virginia$104.72
Young drivers in West Virginia$77.11
Based on our standard driver profile and minimum coverage, unless otherwise noted

5 cheapest car insurance companies in West Virginia

We found that Erie and Encompass topped our list of cheapest car insurance companies for several different driver profiles, all calculated for minimum coverage. As a reminder, the rates you see are based on calculations for a specific West Virginia driver profile, as detailed in our methodology. Unless otherwise noted, our West Virginia driver has the following characteristics: 680 to 719 credit score, age 36 to 45, car value between $20,000 and $30,000 and no tickets or coverage gaps. Your rates may differ based on your profile, so read on for the cheapest car insurance rates for drivers with different ages, credit scores, claims histories and coverage options.

1. Erie

Erie could offer our West Virginia driver profile basic car insurance for as little as $28.42 per month. Erie offers add-ons such as collision, comprehensive, uninsured/underinsured motorist, personal injury protection and property damage insurance. Plus, Erie offers built-in extras including first accident forgiveness, windshield repair, pet injury coverage and travel expense insurance.

Read reviews of Erie Insurance.

2. Encompass

Encompass could offer our West Virginia driver profile car insurance for as low as $28.71 per month for minimum coverage. In addition to the basic coverage options, Encompass also offers new car replacement, accident forgiveness, loan/lease gap coverage, roadside assistance and auto insurance for teens. Discounts include a safe driving bonus, new car and homeowners discounts, good payer discount, defensive driving course discount, good student discount and more.

3. USAA

If our West Virginia driver profile is a USAA member, they could find basic car insurance for about $29.41 per month. USAA membership is available to U.S. military personnel and their spouses and children of USAA members. USAA offers state-minimum coverage options and optional collision, comprehensive, liability and uninsured/underinsured motorist coverages. USAA offers several discount opportunities, including its SafePilot safe-driving program.

Check out reviews of USAA auto insurance.

4. Westfield

With Westfield, our West Virginia driver profile could find minimum-coverage car insurance for as little as $38.13 per month. Drivers can up their coverage with Wespak, which offers loan/lease coverage, trip protection, replacement cost coverage and more. With Westfield, you’ll work with a local agent to build and manage your insurance policy and make any claims.

5. Nationwide

Finally, Nationwide could offer our West Virginia driver profile a basic-coverage insurance policy for as low as $38.25 per month. Nationwide’s coverage options are extensive and include special coverages like towing and labor coverage, accident forgiveness, roadside assistance, vanishing deductible and total loss deductible waiver. Nationwide also offers a fair number of discounts, including its SmartRide and SmartMiles usage-based insurance programs.

Check out reviews of Nationwide auto insurance.

Cheapest state-minimum car insurance in West Virginia

If you’re looking for the lowest possible premium, you probably want state-minimum insurance. In West Virginia, the state-minimum insurance policy is 25/50/25.

The following companies have the lowest estimated rates for drivers interested in state-minimum coverage only.

5 cheapest car insurance companies in West Virginia for state-minimum coverage

1Erie$28.42/month
2Encompass$28.71/month
3USAA$29.41/month
4Westfield$38.13/month
5Nationwide$38.25/month
Based on our standard driver profile seeking minimum coverage in West Virginia

Cheapest car insurance for good credit in West Virginia

One of the biggest factors determining your car insurance cost is your credit. Generally, drivers with good credit have lower premiums than drivers with similar policies but poor credit.

These companies may offer the lowest rates on basic coverage for drivers in West Virginia with good credit.

5 cheapest car insurance companies in West Virginia for those with good credit

1Erie$20.75/month
2USAA$25.80/month
3Encompass$27.03/month
4Westfield$33.71/month
5Nationwide$33.81/month
Based on our standard driver profile, adjusted to display basic-coverage  rates for a West Virginia driver with a credit score of 720 or higher

Cheapest car insurance for poor credit in West Virginia

Drivers who have poor credit will likely pay more for their car insurance. But there are other ways to keep your premium low, like maintaining a safe driving record.

These insurers offer the lowest estimated rates for basic-coverage insurance for West Virginia drivers with poor credit.

5 cheapest car insurance companies in West Virginia for those with poor credit

1Encompass$45.08/month
2Nationwide$48.19/month
3Erie$53.83/month
4USAA$54.57/month
5Westfield$57.00/month
Based on our standard driver profile, adjusted to display basic-coverage rates for a West Virginia driver with a credit score below 580

Cheapest car insurance for drivers with multiple claims in West Virginia

Your claims history is another major component of the cost of car insurance. Drivers with multiple claims will likely pay higher premiums than those with just one or no claims on their record.

The following companies have the lowest estimated rates for minimum coverage for drivers with multiple claims by insurance companies.

5 cheapest car insurance companies in West Virginia for multiple claims

1Erie$54.83/month
2Nationwide$66.71/month
3Encompass$69.29/month
4USAA$71.69/month
5State Farm$77.29/month
Based on our standard driver profile, adjusted to display basic-coverage rates for a West Virginia driver with two claims instead of zero claims

Cheapest car insurance for young drivers in West Virginia

Insurers also consider your age when calculating the cost of your car insurance. Generally, younger drivers’ policies are more expensive than those for older drivers.

The following companies have the lowest estimated basic-coverage rates for drivers aged 18 to 21.

5 cheapest car insurance companies in West Virginia for young drivers

1Encompass$41.42/month
2Erie$45.25/month
3Geico$55.99/month
4USAA$58.96/month
5Nationwide$63.33/month
Based on our standard driver profile, adjusted to display basic-coverage rates for a West Virginia driver aged 18–21 instead of 36–45

West Virginia auto insurance requirements

West Virginia requires $25,000 per person and at least $50,000 per accident for bodily injury liability. It also requires $25,000 per accident of property damage liability. If you have a car loan or lease, your coverage responsibilities may be more extensive.

Is usage-based insurance available in West Virginia?

Usage-based insurance is a type of vehicle insurance that allows customers to pay premiums based on their driving behavior. West Virginia drivers may be able to save money on their car insurance by participating in UBI programs through their insurers.

FAQs about the cheapest car insurance rates in West Virginia

How much is car insurance in West Virginia per month?

Average monthly premiums for car insurance in West Virginia range from just under $50 up to over $100, depending on type of coverage and driver profile.

Is it illegal to not have car insurance in West Virginia?

The state of West Virginia requires all drivers to carry a minimum amount of liability insurance, and to keep proof of insurance in their car. The minimum auto insurance for West Virginia is 25/50/25.

Is West Virginia a no-fault auto insurance state?

West Virginia is considered an at-fault auto insurance state, which means if you are found to have caused an accident, you and your insurance company will be financially responsible for covering the other driver’s losses and your own.

Methodology

The estimated rates in this article are the lowest based on the profile of a driver aged 36 to 45 living in West Virginia. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for insurance for good credit apply to scores of 720 or higher. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those aged 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.

Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on factors such as age, vehicle driving habits, and history.

The average monthly premium for full coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. The average monthly premium for state-minimum car insurance includes a West Virginia-mandated 25/50/25 car insurance policy.


About the author: Sarah Sidlow is a freelance writer and editor based near Detroit. She has a master’s degree in journalism from Georgetown University. Sarah’s work has appeared in Luxembourg’s national newspaper, Washington City Paper… Read more.