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Looking to reduce your auto insurance expenses in West Virginia? State Farm, USAA, and Erie consistently deliver some of the most competitive pricing available to drivers throughout the Mountain State.
The average monthly premium for full coverage in West Virginia sits at $155, which compares to $186 nationally. What you'll actually spend, however, varies based on your unique profile. Everything from your age and where you live to your driving record plays a role. The most reliable strategy for uncovering your lowest rate is to get quotes from multiple insurers and compare them side by side.
Below, discover West Virginia's most economical car insurance choices across different coverage types, driver categories, and insurance companies.
Affordable full-coverage car insurance in West Virginia
West Virginia residents pay $155 per month on average for full-coverage policies, versus the national monthly average of $186. Among the most affordable car insurance providers in West Virginia are State Farm, USAA, and Erie.
| Average monthly full coverage cost | |
| West Virginia average | $155 |
| National average | $186 |
| State Farm | $79 |
| USAA | $95 |
| Erie | $97 |
| Safeco | $130 |
Affordable liability-only car insurance in West Virginia
For West Virginia drivers seeking budget-friendly liability coverage, State Farm, Safeco, and Progressive offer competitive rates.
Liability-only policies in West Virginia cost an average of $82 per month, while the national average stands at $104.
| Average monthly liability-only cost | |
| West Virginia average | $82 |
| National average | $104 |
| State Farm | $50 |
| USAA | $60 |
| Safeco | $69 |
| Progressive | $71 |
Cheap Car Insurance in West Virginia by age
Age plays a major role in determining insurance costs. Teen drivers face the steepest premiums, with West Virginia policies averaging $330 per month due to their limited driving experience.
Premiums decline as drivers enter their 20s, averaging $205 per month. Costs continue dropping through the 30s and 40s, settling around $162 and $158 monthly, respectively.
Rates can climb again for drivers entering their 60s and beyond. West Virginia seniors typically pay $132 monthly in their 60s and $139 in their 70s.
These age-related premium variations stem from different risk profiles across age groups, with inexperienced younger drivers and older drivers sometimes paying more due to factors including health considerations and changing driving patterns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $330 | $173 |
| 20s | $205 | $108 |
| 30s | $162 | $85 |
| 40s | $158 | $83 |
| 50s | $151 | $79 |
| 60s | $132 | $70 |
| 70s | $139 | $73 |
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Cheap Car Insurance in West Virginia for high-risk drivers
Premiums increase substantially when accidents or violations appear on your driving record. The following data shows average West Virginia costs for drivers with accidents, speeding tickets, or DUIs, based on typical rates for insurance with a poor driving history.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $180 | $95 |
| Speeding ticket | $174 | $91 |
| DUI | $192 | $101 |
Compare low-cost car insurance after an accident
West Virginia drivers with accident history can also find lower rates from State Farm, Erie, and USAA. Monthly full-coverage premiums for accident-affected drivers average $180.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $97 | $61 |
| Erie | $118 | $74 |
| USAA | $118 | $74 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Drivers with speeding violations in West Virginia find affordable coverage through State Farm, USAA, and Erie. Full-coverage policies for ticketed drivers average $174 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $94 | $59 |
| USAA | $115 | $72 |
| Erie | $121 | $76 |
Compare low-cost car insurance after DUI conviction
Following a DUI conviction in West Virginia, drivers can secure economical full-coverage policies through State Farm, USAA, and Erie. Average full-coverage rates for DUI-affected drivers reach $192.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $107 | $67 |
| USAA | $129 | $81 |
| Erie | $130 | $81 |
Cheap Car Insurance in West Virginia by credit score
Credit scores have a significant impact on insurance pricing in West Virginia, as is typical. Drivers with excellent credit pay approximately $123 per month. Those with poor credit face considerably higher premiums, starting at $194 per month.
This rate disparity illustrates how credit history affects insurance costs, with lower credit scores being associated with higher premiums, as determined by insurers' assessments of payment reliability risk.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $123 | $65 |
| Good | $143 | $76 |
| Average | $164 | $86 |
| Poor | $194 | $102 |
FAQs
What are West Virginia's minimum car insurance requirements?
West Virginia requires drivers to carry 25/50/25 liability coverage, which means $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. The state also mandates uninsured motorist coverage at 25/50 for bodily injury and $25,000 for property damage. As an at-fault state, the driver responsible for an accident must pay for injuries and property damage, making these minimums crucial for legal compliance but often insufficient for serious accidents.
How does West Virginia's at-fault system affect insurance costs?
West Virginia operates as an at-fault state, meaning the driver who causes an accident is financially responsible for all damages and injuries. This system differs from no-fault states and can significantly impact your premiums after an accident, with rates often increasing following an at-fault collision. Because West Virginia roads traverse challenging Appalachian terrain and experience harsh winter weather, accidents can result in substantial property damage claims.
What happens if you drive without car insurance in West Virginia?
West Virginia treats driving without insurance as a criminal misdemeanor with serious consequences, even for first-time offenders. Your driver's license will be suspended for 30 days, and you'll need to show proof of insurance and pay $50 to reinstate it. Your vehicle registration plate will be suspended for the same period of time and will cost $100 to reinstate.
Bottom line
Although these carriers rank among West Virginia's most economical options, they may not offer the lowest rates for your specific situation. Obtaining quotes from multiple insurance companies and comparing them based on both cost and service quality will always be the best approach to finding the right coverage at the right price.
Data throughout provided by Insurify.
Average rate:
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