Cheapest Car Insurance In West Virginia For 2024
State Farm offers residents of West Virginia the cheapest car insurance policy.
Seeking affordable car insurance in West Virginia? State Farm distinguishes itself as the top choice for insurance needs. Recognized for its affordable prices and reliable assistance, State Farm delivers exceptional value for both minimum and full coverage options.
Finding the cheapest rates can be crucial for budget-conscious drivers looking to save money on their premiums. With various insurance providers and coverage options available, it’s essential to explore the options to find the most cost-effective solution that meets your needs.
After years of exploring the complexities of car insurance, I’ve gathered my insights to guide you through the insurance market in West Virginia. My evaluation goes beyond the basics, delving deep into various top insurance companies.
Whether you’re a new driver or a long-time resident, understanding the factors that influence insurance rates in West Virginia can help you make informed decisions and secure the best possible coverage at the lowest price.
Cheapest Car Insurance Companies In West Virginia, 2024
Our Methodology
I’ve carefully researched various factors like customer service feedback, available products, pricing, and detailed assessments from online reviews and user feedback and developed a comprehensive understanding of West Virginia’s car insurance market. This perspective is enriched by my 15 years of direct engagement as a licensed casualty insurance agent in West Virginia. Through numerous interactions with company representatives and personal experiences navigating car insurance purchases in West Virginia, I've gathered valuable insights to share.
Quotes Assessed
Research Hours
Years Of Industry Experience
Brands Reviewed
Cheapest Car Insurance In West Virginia For Minimum Coverage: Westfield
Westfield has the cheapest rates for minimum coverage car insurance in West Virginia, offering average monthly rates at $26.
| Provider | Average Monthly Cost | Average Annual Cost |
| Westfield | $26 | $312 |
| USAA | $29 | $348 |
| Geico | $30 | $361 |
| Encompass | $31 | $371 |
| Erie | $32 | $380 |
The lowest level of car insurance in West Virginia, known as minimum coverage, meets the state’s legal requirements and provides essential protection. It mainly consists of two main parts: Personal Injury Protection (PIP) and Property Damage Liability (PDL).
PIP provides coverage for medical expenses and lost wages for both you and your passengers, regardless of fault in an accident. On the other hand, PDL covers the costs of damages to another person’s property that you’re responsible for in a collision. This type of coverage is attractive to drivers looking for a budget-friendly option that meets the state’s legal requirements.
However, it’s crucial to understand that minimum coverage has its limitations, especially in complex or severe accidents. While it ensures compliance with state laws and offers a basic safety net, it may not cover many situations included in more comprehensive insurance plans.
For example, it doesn’t cover collision or comprehensive insurance. This means that damages to your own vehicle from accidents or incidents like theft and natural disasters won’t be included. Therefore, drivers need to think about their own situation and how much risk they’re okay with. They should also consider if they need more coverage than what the state requires to stay safe on the road.
Cheapest Car Insurance In West Virginia For Full Coverage: Encompass
Encompass has the cheapest rates for full coverage car insurance in West Virginia, offering average monthly rates at $111.
| 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 offers a broader scope of protection compared to basic coverage, making it a popular choice among many drivers. This type of policy typically includes both comprehensive and collision coverage, providing a comprehensive safety net.
Comprehensive insurance covers incidents like theft, vandalism, and natural disasters, while collision coverage pays for damages to your vehicle in accidents, regardless of fault. This two-tiered approach ensures that drivers are covered in a wide range of situations, from accidents to unexpected environmental events.
Full coverage is especially advisable for those with newer or higher-value vehicles, as they often require costly repairs or replacements. While full coverage may cost more than minimum coverage, the added protection is worth the investment, particularly for owners of newer or more valuable vehicles.
Cheapest Car Insurance For Drivers With Poor Credit: Nationwide
Nationwide has the cheapest rates for drivers with poor credit in West Virginia, offering average monthly rates at $143.
| 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 |
Finding affordable car insurance in West Virginia for drivers with poor credit can be a daunting task. Insurers often take credit scores into account when determining premiums, and lower scores typically result in higher rates.
Individuals with less-than-ideal credit may encounter increased insurance costs compared to those with better credit histories. However, certain insurers may offer specialized policies or discounts tailored to drivers with poor credit to help alleviate the financial burden.
It’s crucial for individuals in this situation to explore various insurance options and compare quotes to secure the best coverage at competitive rates. Additionally, taking steps to improve credit over time can lead to potential reductions in insurance premiums.
Cheapest Car Insurance In West Virginia For Seniors: Erie
Erie has the cheapest rates for seniors in West Virginia, offering average monthly rates at $83.
| 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 |
Seniors often benefit from lower car insurance rates compared to teenagers or young adults. This is because seniors typically have more driving experience and a longer track record of safe driving, which decreases the likelihood of accidents and insurance claims.
Additionally, seniors tend to drive less frequently, which can lead to reduced premiums since they are on the road less often. Insurance companies also acknowledge that seniors are generally more careful drivers, often avoiding risky behaviors that could lead to accidents.
Furthermore, seniors may qualify for various discounts offered by insurers, such as discounts for completing defensive driving courses or for being mature drivers. Overall, these factors contribute to seniors being seen as lower-risk drivers, resulting in cheaper car insurance rates for them.
Cheapest Car Insurance In West Virginia For Young Drivers
Car insurance in West Virginia for young and teen drivers tends to be higher compared to older age groups. This is because younger drivers, especially teenagers, are statistically more prone to accidents and risky driving behaviors. Insurance companies often perceive them as higher-risk drivers due to their lack of driving experience and maturity.
As a result, premiums for young and teen drivers in West Virginia are typically elevated to offset the increased likelihood of insurance claims. Additionally, insurance providers may offer fewer discounts and incentives to this demographic due to their higher risk profile.
Cheapest West Virginia Car Insurance For 16-Year-Olds: State Farm
State Farm has the cheapest rates for 16 year-olds, with an average monthly premium of $293.
| Provider | Average Annual Cost | Average Monthly 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 has the cheapest rates for 17 year-olds, with an average premium of $215.
| 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 has the cheapest rates for 18 year-olds, with an average monthly premium of $194.
| 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
USAA has the cheapest rates for 21 year-olds, with an average monthly premium of $117.
| 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
Good drivers, who haven’t had any accidents or traffic violations, usually pay less for car insurance. Insurance companies see them as low-risk because they’ve shown they drive safely. So, these drivers get lower premiums because there’s less chance they’ll make a claim in the future. If you always follow the rules of the road and drive carefully, you can save a lot of money on your car insurance over time.
| 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 |
Cheapest Car Insurance In West Virginia For Drivers With Prior Incidents
Drivers in West Virginia with prior incidents can expect higher car insurance rates compared to those with clean driving records. Insurance companies consider drivers with prior incidents, such as accidents, speeding tickets, or DUIs, to be higher risk.
As a result, these drivers are more likely to file insurance claims in the future, leading to increased premiums. The extent of the rate increase depends on the severity and frequency of the incidents, with more serious infractions resulting in larger rate hikes.
Additionally, some insurance companies may be more lenient than others, offering slightly lower rates for drivers with minor incidents or providing opportunities for discounts after completing defensive driving courses.
Cheapest Car Insurance For Drivers With A Speeding Ticket: USAA
USAA has average premiums of $113, making it the cheapest option for drivers with a speeding ticket.
| 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 has average premiums of $130, making it the cheapest option for drivers with an at-fault accident.
| 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
State Farm has average premiums of $122, making it the cheapest option for drivers with a DUI on their record.
| 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 |
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 |
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.
Car Insurance Discounts In West Virginia
When looking for car insurance, it’s smart to investigate companies offering discounts suited to your needs. Your insurance agent can also uncover additional discounts you might not be aware of. Here’s a closer look at the typical discounts offered by leading car insurance providers.
- Good Driver Discount: Insurance companies offer lower rates to drivers with clean driving records. This discount is given to those who have no history of accidents or violations, indicating a lower risk of future claims.
- Multi-Policy Discount: If you bundle multiple insurance policies, such as auto and home insurance, with the same provider, you may qualify for a discount on your car insurance premiums.
- Multi-Car Discount: Insurers offer reduced rates to policyholders with multiple vehicles insured under the same policy. This discount encourages households with multiple cars to insure them together, resulting in savings.
- Safe Driver Discount: Drivers who complete defensive driving courses or safe driving programs may be eligible for this discount. These courses teach advanced driving techniques and safety practices, reducing the likelihood of accidents.
- Low Mileage Discount: If you drive fewer miles than the average driver, you may qualify for a low mileage discount. This discount acknowledges that driving less frequently decreases the risk of accidents and claims.
- Good Student Discount: Students with good academic records often receive lower car insurance rates. This discount recognizes responsible behavior and suggests that students who excel in school are likely to exhibit similar responsibility on the road.
FAQs
How much is car insurance a month in West Virginia?
The average cost of car insurance per month in West Virginia varies depending on factors such as age, driving history, and coverage levels. It can range from around $80 to $200 per month on average.
What is the minimum car insurance one must have in West Virginia?
The minimum car insurance required in West Virginia includes liability coverage for bodily injury and property damage. The minimum limits are typically expressed as 25/50/25, meaning:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
Which insurance is better in West Virginia?
The choice between car insurance providers in West Virginia depends on individual needs and preferences. It’s advisable to compare quotes from different insurers to find the best coverage options, rates, and customer service for your specific circumstances.
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