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Cheap Car Insurance in West Virginia for 2024

Here is the cheapest car insurance in West Virginia according to NerdWallet's analysis.

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.Updated Nov 1, 2024 · 8 min read
Profile photo of Ben Moore
Written by Ben Moore
Assistant Assigning Editor
Profile photo of Ben Moore
Written by Ben Moore
Assistant Assigning Editor

Nerdy takeaways

  • Westfield offers the cheapest full coverage in West Virginia, with an average rate of $1,625 per year according to NerdWallet's November 2024 analysis.

  • Full coverage in West Virginia costs an average of $2,216 per year, or $185 per month.

  • If you want the cheapest policy possible, get minimum coverage. The average cost of minimum coverage in West Virginia is $642 per year, or $54 per month.

Auto insurance is an important purchase, but finding cheap car insurance in West Virginia isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers. NerdWallet found some of the cheapest car insurance companies in your state to help you compare rates and get a better deal for your coverage.

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Keep reading to find the cheapest car insurance in West Virginia for different driver profiles and coverage types among:

Cheap car insurance in West Virginia

Here's the cheapest full coverage car insurance in West Virginia for 35-year-old drivers with different driving records.

CategoryCheapest companyMedian annual rate
Clean driving historyWestfield$1,625
After a DUIState Farm$3,330
After an accidentEncova$1,713
After a speeding ticketWestfield$1,625
Having poor creditWestfield$2,309

The cheapest car insurance company in West Virginia is Westfield at $1,625 per year on average, or $135 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in West Virginia. Meanwhile, the average cost of full coverage car insurance in West Virginia is $2,216 per year, or about $185 per month.

🤓Nerdy Tip

Did your rates go up? Auto insurance prices are on the rise in West Virginia. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

Minimum coverage in West Virginia is $642 per year on average, but we found you can likely get a cheaper policy. For example, Westfield offers the cheapest rates in West Virginia at $339 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

How we chose the cheapest companies in West Virginia

NerdWallet’s editorial team analyzed car insurance rates from 10 auto insurers in West Virginia and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in West Virginia. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

  • Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in West Virginia where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheap auto insurance in West Virginia for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in West Virginia for 20-year-olds

Drivers in West Virginia with clean driving records may want to consider the following companies, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
Encompass$3,864$322
Erie$3,909$326
Geico$3,912$326
Westfield$3,975$331
Encova$4,261$355

Cheapest minimum coverage car insurance in West Virginia for 20-year-olds

Drivers in West Virginia who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
Westfield$837$70
Erie$925$77
Geico$1,083$90
Encompass$1,255$105
State Farm$1,372$114

Cheapest car insurance in West Virginia for 20-year-olds with poor credit

Drivers with poor credit in West Virginia should look at the following insurers with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
Westfield$1,127$94
Geico$1,412$118
Encompass$1,877$156
Erie$1,972$164
Progressive$2,293$191

Cheapest car insurance in West Virginia for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in West Virginia, here are the companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
Westfield$837$70
Erie$1,011$84
Geico$1,515$126
State Farm$1,566$130
Encompass$1,664$139

Cheapest car insurance in West Virginia for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in West Virginia, here are the companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
Westfield$1,016$85
Erie$1,163$97
Geico$1,573$131
Encompass$1,753$146
State Farm$1,759$147

Cheapest car insurance in West Virginia for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

CompanyMedian annual rateMedian monthly rate
Westfield$1,355$113
Erie$1,389$116
Progressive$1,803$150
State Farm$2,065$172
Geico$2,383$199
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Cheap auto insurance in West Virginia for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in West Virginia for 30-year-olds

Drivers in West Virginia seeking full coverage auto insurance can check with the following companies, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
Westfield$1,625$135
Encova$1,713$143
Geico$2,017$168
Encompass$2,050$171
State Farm$2,545$212

Cheapest minimum coverage car insurance in West Virginia for 30-year-olds

Drivers in West Virginia who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
Westfield$339$28
Encompass$566$47
State Farm$586$49
Geico$606$50
Erie$677$56

Cheapest car insurance in West Virginia for 30-year-olds with poor credit

Drivers with poor credit in West Virginia should consider the following companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
Westfield$461$38
Geico$807$67
Encompass$819$68
Nationwide$1,196$100
Encova$1,206$101

Cheapest car insurance in West Virginia for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in West Virginia, here are the companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
Westfield$339$28
State Farm$666$56
Erie$704$59
Encompass$730$61
Encova$805$67

Cheapest car insurance in West Virginia for 30-year-old drivers with one at-fault crash

For drivers in West Virginia with a recent accident, here are the lowest average rate options for minimum coverage:

CompanyMedian annual rateMedian monthly rate
Westfield$503$42
Encova$720$60
State Farm$745$62
Erie$854$71
Encompass$858$72

Cheapest car insurance in West Virginia for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for minimum coverage.

CompanyMedian annual rateMedian monthly rate
Westfield$831$69
State Farm$869$72
Erie$1,055$88
Progressive$1,144$95
Allstate$1,519$127

Cheap auto insurance in West Virginia for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in West Virginia for 40-year-olds

Drivers in West Virginia with clean driving records may want to think about the following companies, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
Westfield$1,610$134
Encova$1,713$143
Geico$1,978$165
Encompass$2,050$171
Progressive$2,429$202

Cheapest minimum coverage car insurance in West Virginia for 40-year-olds

Drivers in West Virginia who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
Westfield$338$28
Encompass$566$47
State Farm$593$49
Geico$598$50
Erie$619$52

Cheapest car insurance in West Virginia for 40-year-olds with poor credit

Drivers with poor credit in West Virginia can check out the following insurers with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
Westfield$458$38
Geico$792$66
Encompass$819$68
Nationwide$1,176$98
Encova$1,206$101

Cheapest car insurance in West Virginia for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in West Virginia, here are the companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
Westfield$338$28
Erie$645$54
State Farm$672$56
Encompass$730$61
Encova$805$67

Cheapest car insurance in West Virginia for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in West Virginia, here are the companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
Westfield$500$42
Encova$720$60
State Farm$750$63
Erie$780$65
Encompass$858$72

Cheapest car insurance in West Virginia for 40-year-old drivers after a DUI

The cheapest minimum coverage auto insurance we found for drivers with a DUI came from the following companies.

CompanyMedian annual rateMedian monthly rate
Westfield$829$69
State Farm$879$73
Erie$964$80
Progressive$1,088$91
Allstate$1,519$127

Cheap auto insurance in West Virginia for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in West Virginia for 50-year-olds

Drivers in West Virginia with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
Westfield$1,470$123
Encova$1,749$146
Encompass$1,861$155
Geico$2,109$176
Progressive$2,212$184

Cheapest minimum coverage car insurance in West Virginia for 50-year-olds

Drivers in West Virginia who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

CompanyMedian annual rateMedian monthly rate
Westfield$307$26
Encompass$549$46
Erie$575$48
State Farm$585$49
Geico$596$50

Cheapest car insurance in West Virginia for 50-year-olds with poor credit

Drivers with poor credit in West Virginia can check with the following companies, which showed the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
Westfield$417$35
Encompass$789$66
Geico$797$66
Nationwide$1,131$94
Progressive$1,151$96

Cheapest car insurance in West Virginia for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in West Virginia, here are the companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
Westfield$307$26
Erie$598$50
State Farm$666$56
Encompass$709$59
Encova$818$68

Cheapest car insurance in West Virginia for 50-year-old drivers with one at-fault crash

For drivers living in West Virginia with a recent accident, here are the insurers with the lowest average minimum coverage rates:

CompanyMedian annual rateMedian monthly rate
Westfield$470$39
Erie$721$60
Encova$733$61
State Farm$744$62
Encompass$832$69

Cheapest car insurance in West Virginia for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for minimum coverage.

CompanyMedian annual rateMedian monthly rate
Westfield$801$67
State Farm$866$72
Erie$889$74
Progressive$1,050$88
Allstate$1,489$124
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Cheap auto insurance in West Virginia for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in West Virginia for 60-year-olds

Drivers in West Virginia with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
Westfield$1,425$119
Encompass$1,779$148
Encova$1,799$150
Nationwide$2,019$168
Geico$2,096$175

Cheapest minimum coverage car insurance in West Virginia for 60-year-olds

Drivers in West Virginia who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
Westfield$298$25
Encompass$535$45
State Farm$545$45
Erie$548$46
Geico$598$50

Cheapest car insurance in West Virginia for 60-year-olds with poor credit

Drivers with poor credit in West Virginia can look at the following companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
Westfield$405$34
Encompass$769$64
Geico$793$66
Nationwide$1,064$89
Progressive$1,133$94

Cheapest car insurance in West Virginia for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in West Virginia, here are the companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
Westfield$298$25
Erie$570$48
State Farm$611$51
Encompass$690$58
Encova$839$70

Cheapest car insurance in West Virginia for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in West Virginia, here are the companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
Westfield$461$38
State Farm$681$57
Erie$687$57
Encova$754$63
Encompass$810$68

Cheapest car insurance in West Virginia for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for minimum coverage.

CompanyMedian annual rateMedian monthly rate
Westfield$790$66
State Farm$793$66
Erie$846$70
Progressive$1,040$87
Allstate$1,504$125

Cheap auto insurance in West Virginia for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in West Virginia for 70-year-olds

Drivers in West Virginia with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
Westfield$1,579$132
Encompass$1,756$146
Encova$1,922$160
State Farm$2,205$184
Geico$2,358$196

Cheapest minimum coverage car insurance in West Virginia for 70-year-olds

Drivers in West Virginia who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
Westfield$330$28
Encompass$529$44
State Farm$583$49
Erie$613$51
Geico$658$55

Cheapest car insurance in West Virginia for 70-year-olds with poor credit

Drivers with poor credit in West Virginia can look at the following companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
Westfield$449$37
Encompass$759$63
Geico$902$75
Nationwide$1,247$104
Progressive$1,278$106

Cheapest car insurance in West Virginia for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in West Virginia, here are the companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
Westfield$330$28
Erie$638$53
State Farm$655$55
Encompass$683$57
Encova$886$74

Cheapest car insurance in West Virginia for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in West Virginia, here are the companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
Westfield$494$41
State Farm$743$62
Erie$772$64
Encompass$800$67
Encova$801$67

Cheapest car insurance in West Virginia for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for minimum coverage.

CompanyMedian annual rateMedian monthly rate
Westfield$821$68
State Farm$861$72
Erie$953$79
Progressive$1,214$101
Allstate$1,613$134

Cheapest car insurance for military families in West Virginia

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 66 of the 70 driver profiles we examined.

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.

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.

METHODOLOGY

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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