Cheap Auto Insurance Quotes in West Virginia

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West Virginia Car Insurance Averages for Annual Premiums

$518
Minimum Coverage Average
$1631
Full Coverage Average
$1072
All Coverage Types Average

Save Big on West Virginia Vehicle Insurance

West Virginia seems to have it all. Even low car insurance premiums thanks to the help of Insureist™.

West Virginia is home to 80000 miles of roadway.  Drivers in West Virginia have 29.9 vehicles registered per 100 people living in the state.  With a total of 537000 vehicles registered, a solid vehicle insurance policy is critical for every West Virginia driver.

 

Cheapest Car Insurance in West Virginia

Getting cheap car insurance in West Virginia doesn't necessarily mean getting a low quality policy.  Many insurance carriers offer discounts on your car insurance policy.  These discounts come from things like:

  • Adding multiple vehicles to a policy
  • Bundling home and auto insurance together
  • Paying for your policy upfront
  • Passing a defensive driving training course
  • Keeping your driving record in good standing
  • Updating your policy info on a regular basis
  • Checking your rates, deductible, and limits
  • Using an anti-theft security system on your car
  • Being careful with the type of vehicle your purchase

Make sure you ask the agent you speak with about what you can do to get West Virginia affordable car insurance.  Get them to go through all of the auto insurance discounts they offer so you don't miss any.

 

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Best Car Insurance in West Virginia

The Insureist™ Data Science team ranks the best insurance companies in West Virginia using multiple factors.  This includes areas such as financial health, reliability, quality, online reviews, and customer service.  Data is gathered from multiple credible sources that include:
  • Forbes
  • Consumer Reports
  • Standard & Poor’s
  • J.D. Power
  • Moody’s
  • A.M. Best

The best auto insurance companies in West Virginia are determined based on these results.

Car Insurance in West Virginia

West Virginia Vehicle insurance pricing will be different from city to city.  The Insureist™ Data Science team analyzed each metro area in West Virginia to give you an idea of the average insurance premium in each city.  WV insurance rates will vary depending on your driving record, personal history, and other information unique to your situation.

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Types of West Virginia Car Insurance Quotes

The cheapest insurance companies in West Virginia will be different from person to person.  This is because everyone has a unique history when it comes to the factors that impact the rate you pay for insurance in West Virginia. Average rates may vary depending on the profile and background of the policyholder depending on these and other factors:

  • Age
  • Vehicle make and model
  • Insurance claim history
  • Credit score
  • Driving record
  • Gender
  • Marital status
  • Legal liability requirements
  • Where you live
  • Miles driven each year

Cheap Auto Insurance for Good Drivers

Drivers who drive clean and traffic citations can have car insurance rates significantly lower in the state of West Virginia.

Cheap Auto Insurance for Drivers with DUI

Everyone makes a mistake and has to deal with the consequences, but the consequences of a DUI can be severe. These penalties include fines into the thousands of dollars. Finding affordable rates for WV car insurance after a DUI is no small feat, but if you really have trouble getting an affordable rate, consider only liability insurance as a way to save.

Cheap Auto Insurance for Drivers with an At-Fault Accident

Even a tiny fender bender can lift interest rates to levels that will significantly alter your budget. Insurers look at different time frames to track your driving history, from the time of your accident to the date of your accident and even up to a few months later. One company could look at the last five years, while the other could look at the last three years and so on.

Cheap Auto Insurance for Speeding Drivers

Speeding tickets can directly impact the rate you pay for WV auto insurance.  Get enough of them and you can even lose your license.

Cheap Auto Insurance for Young Drivers

Inexperienced drivers pose a higher risk to insurance providers so their rates can be significantly higher than average drivers. Novice drivers should be especially careful to maintain a clean driving record and comply with all speed limits and other driving regulations. Some WV insurance companies can provide more favorable rates than others for younger drives. It's worth getting multiple quotes so you can save money on your monthly insurance premiums.

West Virginia SR‌-22 Insurance

You will need to get SR‌-22 insurance in WV if it's ordered by the state or a court. If it's a court that orders it, then the judge will notify you of this at the hearing. If it's ordered by the state, then you will get a letter from the DM/BMV.

Not all drivers need an SR-22. It's generally only required if you are caught driving without a valid license or valid insurance. You may also need an SR-22 in these cases:

  • Convicted of a DUI or DWI
  • Operating a vehicle without insurance
  • Too many violations or accidents where you are at-fault
  • Multiple offenses in a short time frame (i.e. getting 4 speeding tickets within a few months)
  • Refusing to pay child support that is court-ordered
  • Having to obtain a hardship license

The SR-22 is not an insurance policy. It's a document that your insurance company in WV files with the state to prove you have adequate car insurance. This allows you to legally drive again if you are ordered to get an SR-22. Not all insurers offer SR-22s so you may need to shop around.

FAQs - West Virginia Car Insurance & Driving Facts

Which car insurance is best in West Virginia?

The best car insurance company in West Virginia will vary depending on where you are located in the state and what type of coverage you need. It's a good idea to get a quote from multiple WV insurance companies to get the best deal for you. Here are the largest insurance companies in the US that you may consider starting with: State Farm, GEICO, Progressive Corporation, Allstate, USAA, Liberty Mutual, Farmers Insurance Group, Nationwide Mutual Insurance Company, American Family Insurance, The Travelers Companies. Please note that they may or may not provide specific kinds of coverage in your area.

How much car insurance do i need in West Virginia?

The minimum auto insurance liability coverage required in the state of West Virginia is 25/50/25. This means that you must by law have at least the following coverages: $25000 bodily injury coverage per person, $50000 bodily injury coverage per accident, $25000 property damage coverage per accident. While these are the legal minimums to drive in West Virginia, many experts recommend that you get liability coverage of at least 100/300/50 if you can afford it. This means you should strongly consider: $100,000 bodily injury coverage per person, $300,000 bodily injury coverage per accident, $50,000 property damage coverage per accident. You may also consider getting additional WV auto insurance coverage depending on your financial situation.

How much does car insurance cost in West Virginia?

The average annual cost of an auto insurance policy in West Virginia is $1072. The average minimum coverage annual cost in West Virginia is $518. The average full coverage annual cost in West Virginia is $1631.

How does car insurance work in West Virginia?

Car insurance pays for damage caused by the driver, but can also cover repairs and medical bills. Motorists buy policies from auto insurance companies that promise some coverage for different situations. There are different types of car insurance for drivers in different states, and there are many different levels of coverage available from different companies. Vehicle insurance is mandatory in 48 states, but the specific insurance requirements and costs vary from state to state for each driver.

What are the different types of car insurance in West Virginia?

These are the 5 typical components of an auto insurance policy: Liability Coverage - Pays for injuries to people and damage to property caused by you in an accident; Uninsured and Underinsured Motorist Coverage - Pays your medical bills if you are in an accident and the other driver does not have an insurance policy or does not have a big enough one; Comprehensive Coverage - Pays for damage to your car from fire, hail, flood, falling objects, vandalism, hitting an animal, and theft of your car; Collision Coverage - Pays for the repair or replacement of your car after an accident; Medical Payments Coverage - Pays for covering the cost of medical expenses related to an accident.

Additional Insights

West Virginia Map

West Virginia

Vehicle Insurance

Cities

West Virginia () is a state in the Appalachian, Mid-Atlantic and Southeastern regions of the United States. It is bordered by Pennsylvania to the northeast, Maryland to the east and northeast, Virginia to the southeast, Kentucky to the southwest, and Ohio to the northwest. West Virginia is the 41st-largest state by area and ranks 38th in population, with around 1.792 million residents. The capital and largest city is Charleston.

West Virginia became a state after the Wheeling Conventions of 1861, at the start of the American Civil War. Delegates from northwestern Virginia's Unionist counties decided to break away from Virginia, which also included secessionist counties in the new state. West Virginia was admitted to the Union on June 20, 1863, and was a key border state during the war. It was the only state to form by separating from a Confederate state, the first to separate from a state since Maine separated from Massachusetts, and one of two states (along with Nevada) admitted to the Union during the Civil War. Some of its residents held slaves, but most were yeoman farmers, and the delegates provided for gradual abolition of slavery in the new state constitution. The state legislature ratified the 13th Amendment abolishing slavery on February 3, 1865.

West Virginia's Northern Panhandle extends adjacent to Pennsylvania and Ohio to form a tristate area, with Wheeling and Weirton just across the border from the Pittsburgh metropolitan area and Bluefield less than 70 miles (110 km) from North Carolina. Huntington in the southwest is close to Ohio and Kentucky, while Martinsburg and Harpers Ferry in the Eastern Panhandle region are considered part of the Washington metropolitan area, between Maryland and Virginia. West Virginia is often included in several U.S. geographical regions, including the Mid-Atlantic, the Upland South, and the Southeastern United States. It is the only state entirely within the area served by the Appalachian Regional Commission; the area is commonly defined as "Appalachia".

The state is noted for its mountains and rolling hills, its historically significant logging and coal mining industries, and its political and labor history. It is also known for a wide range of outdoor recreational opportunities, including skiing, whitewater rafting, fishing, hiking, backpacking, mountain biking, rock climbing, and hunting.

Other nominated names included Vandalia, Kanawha, Appalachia, and Western Virginia. The capital was originally Wheeling, before switching to Charleston, moving back to Wheeling, and finally back to Charleston. While it is now a solidly Republican state, it was Democratic from the Roosevelt era to the 1990s. The first governor was Arthur Boreman.

Source

Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.

Source

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