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If you’re looking for cheap car insurance in West Virginia, you probably already know finding the best deal can be a challenge. Insurance costs vary depending on your age and gender, where you live, your driving record and other factors. And costs can vary greatly from one company to the next, which is why shopping for the best deal is worth your time.
To help you find the cheapest car insurance in West Virginia, NerdWallet researched rates from the eight largest insurers in the state and found the three cheapest options for several driver types.
Cheapest for good drivers
Erie had the cheapest auto insurance rates we found for West Virginia drivers with clean credit and driving histories, at $68 per month, on average. State Farm and Westfield come in second and third, respectively.
| Insurer | Average price | Get your rate |
|---|---|---|
| *Westfield is not rated because there is not enough data to evaluate it against larger companies. | ||
|
4.0NerdWallet rating |
$819/year $68/month |
Get a quote |
|
4.0NerdWallet rating |
$950/year $79/month |
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|
NerdWallet rating: Not rated* |
$1,212/year $101/month |
Get a quote |
For this calculation, NerdWallet averaged rates for 40-year-old men and women with a clean driving record and good credit. With the exception of age, a large portion of drivers are closest to this profile, which carries standard “full coverage” insurance, including state-required coverage.
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Cheapest for drivers with poor credit
Westfield was the cheapest insurer in our analysis for good drivers with spotty credit in West Virginia, at $141 per month, on average. Nationwide and State Farm round out the list for this group.
| Insurer | Average price | Get your rate |
|---|---|---|
| *Westfield is not rated because there is not enough data to evaluate it against larger companies. | ||
|
NerdWallet rating: Not rated* |
$1,696/year $141/month |
Get a quote |
|
4.0NerdWallet rating |
$1,790/year $149/month |
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|
4.0NerdWallet rating |
$2,022/year $169/month |
Get a quote |
Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent accident. To calculate these figures, NerdWallet averaged rates for 40-year-olds with a clean driving record, poor credit as reported to their insurer, and standard “full coverage” insurance.
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Cheapest for drivers with one at-fault crash
Erie had the cheapest car insurance quotes we found in West Virginia for drivers with a recent wreck on their records, at $86 per month, on average. State Farm wasn’t too far behind in second, but average rates shot up from there. Westfield was third-cheapest for this group.
| Insurer | Average price | Get your rate |
|---|---|---|
| *Westfield is not rated because there is not enough data to evaluate it against larger companies. | ||
|
4.0NerdWallet rating |
$1,033/year $86/month |
Get a quote |
|
4.0NerdWallet rating |
$1,126/year $94/month |
Get a quote |
|
NerdWallet rating: Not rated* |
$1,798/year $150/month |
Get a quote |
To get these figures, we averaged rates for 40-year-olds with one recent at-fault crash and the typical “full coverage” insurance. Your rates will remain high for three to five years after you cause an accident or have a moving violation. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.
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Cheapest for low-mileage drivers
Erie had the lowest car insurance rates this year for West Virginians who put down few annual miles, at $61 per month, on average. State Farm and Westfield complete the list of cheapest carriers for low-mileage drivers.
| Insurer | Average price | Get your rate |
|---|---|---|
| *Westfield is not rated because there is not enough data to evaluate it against larger companies. | ||
|
4.0NerdWallet rating |
$731/year $61/month |
Get a quote |
|
4.0NerdWallet rating |
$848/year $71/month |
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|
NerdWallet rating: Not rated* |
$1,154/year $96/month |
Get a quote |
Whether you’re retired, work at home or often use public transportation, you may be able to get cheaper car insurance simply because you drive less. The rates above are for 40-year-olds with typical “full coverage” insurance and a clean driving record who drive 5,000 miles per year instead of the standard 12,000.
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Cheapest for minimum coverage
For minimum coverage auto insurance in West Virginia, Erie had the lowest rates in our analysis, at $24 per month, on average. State Farm and Westfield also make the cut with rates very similar to one another.
| Insurer | Average price | Get your rate |
|---|---|---|
| *Westfield is not rated because there is not enough data to evaluate it against larger companies. | ||
|
4.0NerdWallet rating |
$292/year $24/month |
Get a quote |
|
4.0NerdWallet rating |
$392/year $33/month |
Get a quote |
|
NerdWallet rating: Not rated* |
$396/year $33/month |
Get a quote |
We calculated these numbers by averaging rates for 40-year-old good drivers who have only the minimum mandatory insurance in their state. Such light coverage isn’t typically recommended, since it might not cover all the bills resulting from a car accident, but it’s better than nothing — especially if you can’t afford much more.
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Minimum required auto insurance in West Virginia
West Virginia law requires that drivers carry motor vehicle liability insurance coverage. The state requires these minimum insurance coverages:
- $25,000 bodily injury liability per person.
- $50,000 bodily injury liability per accident.
- $25,000 property damage liability per accident.
- $25,000 uninsured motorist coverage per person.
- $50,000 uninsured motorist coverage per accident.
- $25,000 uninsured motorist property damage coverage.
However, it’s usually wise to get more than the legal minimum when it comes to car insurance. Causing an accident could easily result in injury or repair bills higher than the amounts listed above.
NerdWallet’s guide to state car insurance requirements has more details on coverage options and limits you might want for your West Virginia car insurance policy.
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Alternative car insurance in West Virginia
High-risk drivers in West Virginia who are unable to buy car insurance on the standard market may qualify for coverage through the West Virginia Automobile Insurance Plan. Because these drivers tend to be in more accidents and make more claims, they will pay significantly higher rates.
For help finding the cheapest car insurance in West Virginia, use NerdWallet’s car insurance comparison tool to see estimates side by side.
Here’s a summary of where you’ll find the cheapest insurance, by category:
Cheapest car insurance in West Virginia
| Category | Cheapest option |
|---|---|
| Good drivers | Erie |
| Drivers with poor credit | Westfield |
| Drivers with one at-fault accident | Erie |
| Low-mileage drivers | Erie |
| Minimum coverage | Erie |
Methodology
- $100,000 bodily injury liability coverage per person.
- $300,000 bodily injury liability coverage per crash.
- $50,000 property damage liability coverage per crash.
- $100,000 uninsured/underinsured motorist bodily injury coverage per person.
- $300,000 uninsured/underinsured motorist bodily injury coverage per crash.
- $50,000 uninsured/underinsured motorist property damage liability coverage per crash.
- Collision coverage with $1,000 deductible.
- Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, with the following exceptions:
- For drivers with poor credit, we adjusted the credit tier from “good” to “poor.”
- For drivers with one at-fault crash, we added a single at-fault crash.
- For low-mileage drivers, we adjusted the miles driven from 12,000 per year to 5,000.
- For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.
We used a 2015 Toyota Camry in all cases. These are rates generated through Quadrant Information Services. Your own rates will be different.
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