Cheapest Car Insurance In West Virginia For 2024
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re on the hunt for affordable car insurance in West Virginia, Westfield is a clear leader. Known for its competitive pricing and dependable service, it offers great value for both liability and full-coverage policies. In this guide, we compare several car insurance options with a focus on affordability.
With more than ten years of experience evaluating insurance policies, I’ve carefully analyzed top providers to make your decision easier. My analysis is thorough, covering all important factors to provide you with useful insights.
Cheapest Car Insurance Companies In West Virginia, 2024
Our Methodology
Drawing from an in-depth analysis covering customer service ratings, product selections, pricing details, and comprehensive reviews from online sources, I've crafted a thorough perspective on West Virginia car insurance providers. This viewpoint is shaped by my extensive career as a licensed insurance agent in West Virginia, involving frequent interactions with company representatives and firsthand experience in purchasing car insurance.
Quotes Assessed
Research Hours
Years Of Industry Experience
Brands Reviewed
Cheapest Car Insurance In West Virginia For Seniors
Erie offers seniors a budget-conscious insurance policy, priced around $998 per year.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $83 | $998 |
| Westfield | $88 | $1,060 |
| Geico | $91 | $1,087 |
| Nationwide | $98 | $1,178 |
| State Farm | $98 | $1,181 |
West Virginia seniors can often access competitive car insurance rates thanks to various favorable factors. Despite the common notion that age might affect driving skills, many older drivers have excellent driving records. Insurers frequently offer lower premiums to seniors who have minimal accidents and traffic violations.
Moreover, some insurance firms recognize the maturity and experience that aging brings, seeing senior drivers as responsible and less likely to engage in risky driving behaviors. They further attract senior drivers by offering discounts tailored specifically for this age group, which can be influenced by factors such as age, how frequently they drive, and completion of senior driver safety courses. Many insurers also encourage seniors to enroll in defensive driving courses and provide discounts upon completion. These courses aim to refresh driving skills and promote safer driving habits.
Cheapest Car Insurance In West Virginia For Full Coverage
If you’re in the market for inexpensive full coverage car insurance, Encompass could be your best option, averaging $111 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Encompass | $111 | $1,334 |
| Nationwide | $133 | $1,600 |
| USAA | $137 | $1,641 |
| Westfield | $140 | $1,678 |
| Geico | $141 | $1,691 |
Full coverage car insurance provides thorough protection beyond minimal coverage, making it a favored choice among drivers. This type of insurance usually includes both comprehensive and collision coverage, ensuring comprehensive protection. Comprehensive insurance covers incidents like theft, vandalism, and natural disasters, while collision insurance covers vehicle damage in accidents, regardless of fault.
This two-tiered approach ensures drivers are covered in a range of scenarios, from accidents to unexpected environmental damage. Full coverage is particularly recommended for owners of newer or high-value vehicles, which often require more costly repairs or replacements. Despite the higher premiums compared to minimal coverage, full coverage provides enhanced protection. For owners of newer or pricier vehicles, this insurance is essential to protect their investment.
Cheapest Car Insurance For Drivers With Poor Credit
Auto insurance through Nationwide costs $1,719 per year, making it the most affordable option for individuals with poor credit.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $143 | $1,719 |
| USAA | $175 | $2,095 |
| Westfield | $175 | $2,099 |
| State Farm | $248 | $2,972 |
| Progressive | $315 | $3,785 |
A driver’s credit score is a critical factor in calculating car insurance premiums, as it helps insurers gauge the risk level. Individuals with lower credit scores are perceived as more likely to file claims, making them higher-risk customers and resulting in higher premiums. Consequently, drivers with poor credit often pay more for insurance than those with good credit scores. Credit scores provide insight into a driver’s financial stability and responsibility, beyond just their driving history.
Despite the overall trend, the insurance market does provide some relief for drivers with less-than-ideal credit histories. Certain insurers have tailored their offerings to cater specifically to this demographic, offering more competitive rates that do not penalize poor credit as much as standard policies. These insurers often use a more comprehensive approach in assessing risk, looking at factors beyond just the credit score such as driving record, location, and type of vehicle insured. For drivers impacted by a lower credit score, it’s crucial to compare quotes from these specialized insurers. They may find more lenient pricing structures that make car insurance more accessible and affordable despite credit challenges.
Cheapest Car Insurance In West Virginia For Minimum Coverage
Save money on auto insurance in West Virginia with Westfield, where premiums average just $26 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Westfield | $26 | $312 |
| USAA | $29 | $348 |
| Geico | $30 | $361 |
| Encompass | $31 | $371 |
| Erie | $32 | $380 |
Minimum car insurance coverage in West Virginia ensures compliance with state laws by offering the most basic level of protection. It includes Personal Injury Protection (PIP), which covers medical expenses and lost wages for you and your passengers, regardless of fault, and Property Damage Liability (PDL), which covers damage to others’ property if you’re responsible for an accident. While cost-effective, this type of coverage may not be enough in serious accidents.
Minimum coverage adheres to state laws and offers some protection, but it does not include the comprehensive aspects of more extensive insurance plans. This means it does not cover collision or comprehensive insurance, leaving drivers liable for their vehicle’s damages in accidents, theft, or natural disasters. Hence, drivers should evaluate their personal situation and consider additional coverage beyond the minimum requirements for sufficient road protection.
Cheapest Car Insurance In West Virginia For Young Drivers
Car insurance rates for young drivers, particularly teenagers, can be expensive because of their limited experience behind the wheel. Insurance companies perceive inexperienced drivers as high-risk due to statistics indicating a higher occurrence of accidents and traffic violations in this age group. These increased risks lead to higher premiums as insurers seek to cover potential claims costs associated with these new drivers. The premiums for 16-year-olds, who are starting their driving journey, can be particularly costly.
As teenagers begin driving, they are still developing their road awareness, reaction times, and decision-making skills in diverse traffic conditions, all crucial for safe driving. Despite these challenges, there are positive developments for young drivers looking for affordable insurance options. Some insurance providers understand the need to offer more budget-friendly solutions for new drivers. These insurers may offer special programs or discounts tailored to young drivers, such as discounts for good academic performance or completing certified driver education courses. These initiatives not only make insurance more accessible for teenagers but also promote responsible driving and the acquisition of better driving skills.
Cheapest West Virginia Car Insurance For 16-Year-Olds: State Farm
Looking for budget-friendly car insurance for a 16-year-old? State Farm provides coverage for $293 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $293 | $3,516 |
| Nationwide | $329 | $3,945 |
| Erie | $384 | $4,609 |
| Westfield | $511 | $6,134 |
| USAA | $525 | $6,301 |
Cheapest West Virginia Car Insurance For 17-Year-Olds: State Farm
State Farm car insurance policies for 17-year-olds are priced at an average of $2,582 per year, making them highly economical.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $215 | $2,582 |
| Geico | $232 | $2,782 |
| Erie | $237 | $2,846 |
| USAA | $246 | $2,954 |
| Nationwide | $251 | $3,013 |
Cheapest West Virginia Car Insurance For 18-Year-Olds: State farm
State Farm offers competitively priced car insurance for 18-year-olds, with an average annual premium of $2,333.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $194 | $2,333 |
| Geico | $195 | $2,339 |
| USAA | $201 | $2,413 |
| Erie | $207 | $2,480 |
| Nationwide | $251 | $3,013 |
Cheapest West Virginia Car Insurance For 21-Year-Olds: USAA
At an annual rate of around $1,401, USAA offers affordable car insurance for 21-year-olds.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $117 | $1,401 |
| Geico | $124 | $1,488 |
| Nationwide | $128 | $1,531 |
| State Farm | $151 | $1,809 |
| Erie | $156 | $1,867 |
Cheapest Car Insurance In West Virginia For Good Drivers
State Farm offers affordable car insurance rates for safe motorists.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $84 | $1,013 |
| Geico | $95 | $1,144 |
| Travelers | $101 | $1,213 |
| Progressive | $107 | $1,289 |
| Mercury | $108 | $1,291 |
Capable drivers, noted for their spotless driving records, generally qualify for reduced car insurance rates. Insurance companies evaluate risk by examining a driver’s past; those without violations or accidents are classified as low-risk. This positive risk evaluation arises from a proven history of responsible and safe driving, indicating a decreased probability of future claims. Hence, insurers are more likely to provide these drivers with better premiums, reflecting the diminished financial risk they pose. For drivers who consistently adhere to traffic laws, avoid accidents, and demonstrate cautious driving habits, this leads to substantial savings on their car insurance premiums over time.
Cheapest Car Insurance In West Virginia For Drivers With Prior Incidents
West Virginia drivers with a record of accidents, speeding violations, or DUIs often face hurdles in obtaining affordable car insurance due to their classification as high-risk by insurers. This classification arises from their heightened probability of filing future claims, resulting in elevated premiums. This trend is particularly evident in West Virginia, where traffic incidents occur more frequently than in other states. Insurers justify their pricing strategies using statistical analyses and risk assessments that underscore the correlation between past driving incidents and increased future claim probabilities.
Cheapest Car Insurance For Drivers With A Speeding Ticket: USAA
USAA is the most economical choice for speeding ticket recipients, with average premiums of $113.
| Provider | Avg. Annual Min Coverage Premium | Avg. Annual Full Coverage Premium |
| USAA | $113 | $1,354 |
| State Farm | $122 | $1,460 |
| Nationwide | $132 | $1,588 |
| Erie | $148 | $1,781 |
| Westfield | $161 | $1,930 |
Cheapest Car Insurance For Drivers With An At-Fault Accident: State Farm
State Farm provides the most cost-effective coverage for drivers with an at-fault accident, with average premiums of $130.
| Provider | Avg. Annual Min Coverage Premium | Avg. Annual Full Coverage Premium |
| State Farm | $130 | $1,561 |
| USAA | $141 | $1,696 |
| Erie | $160 | $1,914 |
| Nationwide | $161 | $1,932 |
| Progressive | $290 | $3,479 |
Cheapest Car Insurance For Drivers After A DUI: State farm
With an average premium of $122, State Farm is the cheapest choice for drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $122 | $1,460 |
| USAA | $179 | $2,149 |
| Nationwide | $199 | $2,389 |
| Erie | $203 | $2,433 |
| Progressive | $259 | $3,109 |
Minimum Car Insurance Requirement In West Virginia
In West Virginia, the minimum car insurance requirement includes liability coverage for bodily injury and property damage. The minimum liability limits are:
- $25,000 for bodily injury or death per person
- $50,000 for bodily injury or death per accident
- $25,000 for property damage per accident
Personal Injury Protection (PIP) is not required in West Virginia. However, drivers can opt to purchase Medical Payments (MedPay) coverage as an alternative to PIP. MedPay helps cover medical expenses for you and your passengers in the event of an accident, regardless of fault.The minimum coverage amounts for MedPay vary depending on the insurance provider, but it typically ranges from $1,000 to $5,000. It’s important for drivers to carefully review their insurance policy to understand the coverage limits and options available to them.
Average Cost In West Virginia – By Age
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $754 | $9,046 |
| 17 | $431 | $5,170 |
| 18 | $377 | $4,527 |
| 19 | $313 | $3,761 |
| 21 | $212 | $2,543 |
| 25 | $216 | $2,593 |
| 35 | $181 | $2,177 |
| 45 | $131 | $1,572 |
| 55 | $121 | $1,451 |
| 65 | $122 | $1,459 |
| 75 | $144 | $1,729 |
Average Cost In West Virginia – By Gender & Marital Status
| Gender | Marital Status | Average Annual Cost |
| Female | Single | $1,800 |
| Male | Single | $1,920 |
| Female | Married | $1,590 |
| Male | Married | $1,680 |
Average Cost In West Virginia – By Credit Tier
| Credit Tier | Average Monthly Cost | Average Annual Cost |
| Excellent | $101 | $1,222 |
| Good | $120 | $1,441 |
| Fair | $143 | $1,723 |
| Poor | $170 | $2,046 |
Cheapest Car Insurance In West Virginia By City
| City | Average Monthly Cost | Average Annual Cost |
| Martinsburg | $88 | $1,062 |
| Ranson | $91 | $1,094 |
| Wheeling | $91 | $1,096 |
| Moundsville | $94 | $1,132 |
| Keyser | $95 | $1,140 |
| Weirton | $96 | $1,146 |
Car Insurance Discounts In West Virginia
When looking for car insurance, consider exploring providers that offer discounts relevant to your situation. Also, speaking with your insurance agent might reveal additional discounts. Here’s a list of common discounts from leading insurance companies:
- Multi-policy: Save by bundling multiple insurance policies with one company.
- Multi-vehicle: Discounts for insuring multiple vehicles under a single policy or combining auto policies.
- Military: Available for active-duty service members and veterans.
- Senior: Often offered to drivers aged 55 and older.
- Homeowners: Discounts for homeownership.
- Good student: For students under 25 who maintain a B average.
- Good driver: Discounts for having a clean driving record.
- Defensive driving: Earn a discount by completing an approved defensive driving course.
- Driver training: Save by taking a driver education course.
- New car: Vehicles generally no older than three model years may qualify for discounts.
- Safe car: Discounts for cars equipped with safety features like anti-theft systems.
- Paperless: Choose electronic documentation to receive a discount.
- Pay-in-full: Save by paying your premium in full at the start.
FAQs
How much is car insurance a month in West Virginia?
The average monthly cost of car insurance in West Virginia varies widely, usually ranging from $150 to $300. Factors influencing this include your driving history, the type of coverage chosen, and the specific make and model of your vehicle.
What is the minimum car insurance one must have in West Virginia?
West Virginia requires drivers to have insurance that provides at least $25,000 in coverage for Property Damage Liability (PDL).
Which insurance is better in West Virginia?
Opting for the right car insurance in West Virginia is about individual requirements. Westfield and USAA are recognized for their affordability and commitment to customer care.
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