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Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.
Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
West Virginia requires all drivers to have car insurance to legally drive in the state. Drivers in the Mountain State pay an average of $118 per month for car insurance, according to Compare data. West Virginia tends to have lower premiums than other U.S. states, likely due to its low population density.[1]
But even with West Virginia’s relatively cheap insurance, many car insurance companies offer rates well below the state average, including State Farm, Safeco, and USAA. You can get minimum coverage for as low as $59 per month.
Let’s take a closer look at the most affordable insurers in West Virginia for various drivers, what you can do to find the right company, and tips to help you save money on your auto policy.
State Farm offers the cheapest car insurance in West Virginia, with rates as low as $59 per month.
West Virginia drivers pay a monthly average of $83 for liability-only coverage and $153 for full coverage.
West Virginia requires drivers to have 25/50/25 of liability and uninsured motorist coverage.[2]
Regardless of the average car insurance costs in West Virginia, you can still find ways to save on your auto policy. Several insurers offer rates well below the state average.
Here’s a look at the insurance companies with the most affordable auto coverage in West Virginia, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $59 |
| Safeco | $66 |
| USAA | $71 |
| Erie | $72 |
| National General | $78 |
| Progressive | $79 |
| Root | $80 |
| Direct Auto | $83 |
| CSAA | $87 |
| Dairyland | $98 |
| Foremost | $99 |
| GEICO | $118 |
| Liberty Mutual | $130 |
| Nationwide | $134 |
| Allstate | $149 |
State Farm has the cheapest car insurance in the state, with rates starting at $59.
Every West Virginia driver has unique insurance needs. Factors like your age, gender, ZIP code, and driving history determine the price of your premium.
This chart shows the cheapest car insurance companies in West Virginia for a variety of driver backgrounds and coverage types, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $59 |
| Full coverage | State Farm | $76 |
| Teens | State Farm | $123 |
| Seniors | State Farm | $46 |
| Drivers with a speeding ticket | State Farm | $70 |
| Drivers with an at-fault accident | State Farm | $73 |
| Drivers with a DUI | State Farm | $91 |
| Drivers with excellent credit | State Farm | $47 |
| Drivers with poor credit | Safeco | $77 |
We’ll break down each driver and coverage type in the sections below.
Comparing quotes can save you up to $867.†
All West Virginia drivers must buy liability insurance, which covers property damage and injuries you cause others in an accident. Drivers in West Virginia pay an average of $83 per month for liability coverage, according to our data.
Liability-only insurance is usually your cheapest option for auto insurance. But the West Virginia Offices of the Insurance Commissioner recommends buying additional coverage.[3] Without that extra coverage, you would be responsible for paying out of pocket for any injuries or damages exceeding your insurance limits.
If you decide liability-only insurance is right for you, we’ve outlined the five cheapest insurers in West Virginia for minimum-coverage insurance, according to Compare.com data.
Full-coverage insurance protects against situations that liability-only policies won’t cover. Full coverage typically includes comprehensive and collision insurance, which covers damages from things like theft, vandalism, and natural disasters.
If you finance or lease your car, your lender typically requires you to buy full coverage. West Virginia drivers pay an average of $153 per month for full-coverage car insurance, according to our data. But even with these higher average rates, many insurers offer full coverage for close to the average liability insurance price.
The chart below highlights the cheapest insurers in the Mountain State for full-coverage car insurance, according to Compare.com data.
Teens pay some of the most expensive car insurance rates of any age group. Teen drivers are almost four times as likely to cause an accident as drivers aged 20 and older, according to the Insurance Institute for Highway Safety.[4] Insurers typically charge young drivers more to offset that extra risk.
On average, teens in West Virginia pay $265 per month for car insurance, according to our data. But you can still find affordable coverage if you’re a teen driver or have one on your auto policy.
Below, we highlight the five cheapest auto insurance companies in West Virginia for teen drivers.
Seniors usually pay the least for auto insurance compared to any age group due to their decades of experience and responsible driving habits. West Virginia seniors pay an average of $102 per month for auto insurance coverage, according to our research.
Even with these affordable premiums, you can likely find a better deal from several insurers. The chart below shows the most affordable insurance companies in West Virginia, according to Compare.com data.
Getting a ticket can raise your car insurance rates when your policy is up for renewal. Insurance companies view you as a greater risk on the road after a ticket and charge more for coverage. In fact, our research found that average premiums increased by 37% after a single ticket.
West Virginia drivers with a recent ticket pay an average of $141 per month for car insurance. But several insurers offer lower premiums to risky drivers.
Here are the five most affordable car insurance companies in West Virginia for drivers with recent tickets, according to Compare.com data.
Your car insurance costs can increase significantly if you cause an accident. Insurers consider at-fault accidents as another indicator of risky driving behavior. Our research found that even one at-fault accident raises average rates by 41%.
West Virginia drivers with a recent accident pay an average of $144 per month for car insurance. But you might find a better deal with one of the insurers in the chart below.
Here are West Virginia’s five cheapest insurers for drivers with a recent at-fault accident, according to Compare.com data.
A driving under the influence (DUI) conviction can significantly increase your car insurance rates. DUIs are one of the most serious driving violations, and drivers with a DUI pay more for car insurance coverage. In fact, our research shows that getting a DUI conviction increases average auto insurance rates by 61%.
West Virginia drivers with a DUI pay an average car insurance premium of $190 per month, according to Compare.com data. But you’re not necessarily stuck paying these sky-high rates. Several insurers offer competitive rates for high-risk drivers, including people with DUIs.
The chart below shows the five cheapest insurers in West Virginia for drivers with a DUI, according to Compare.com data.
Some U.S. states allow insurers to use your credit history to calculate premiums. West Virginia allows insurance companies to use your credit for pricing, but it restricts insurers from using your credit history to deny or cancel your coverage.[5] In other states, insurers use a credit-based insurance score to determine your likelihood of filing a claim or missing a payment. Our data found that drivers with poor credit pay 20% more than drivers with excellent credit.
Drivers in West Virginia with poor credit pay an average of $133 per month for car insurance. Fortunately, some insurance companies offer low rates, regardless of your credit history.
The chart below shows the five cheapest insurers for West Virginia drivers with poor credit, according to Compare.com data.
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No single best car insurance company exists for every driver because every driver has different needs. To help you narrow down your search, we found some of the best auto insurers in West Virginia. We picked these companies based on factors like average rates, customer reviews, coverage options, and more.
Compare.com Rating: 5.00 out of 5
Average full-coverage premium: $76 per month
Quotes available online
Drive Safe & Save program
Bundling discounts
Gap insurance not available
Fewer discounts than competitors
Accident forgiveness not available
State Farm offers a variety of car insurance options, including rideshare coverage, rental car reimbursement, and emergency roadside assistance. You can work with one of the many State Farm insurance agents throughout West Virginia to find the best policy for your budget and needs.
But State Farm offers fewer ways to save on your policy than some of its competitors. You’ll also have to look somewhere else if you need gap insurance or accident forgiveness.
Compare.com Rating: 4.88 out of 5
Average full-coverage premium: $173 per month
SmartRide and SmartMiles programs
Accident forgiveness available
Highly rated mobile app
Nationwide has agents throughout West Virginia, which is a huge plus if you want personalized service. Plus, the insurer advertises various discounts that can help you save on your coverage, including good student, multi-policy, and defensive driver discounts.That said, the company has a below-average customer satisfaction rating from J.D. Power in the Mid-Atlantic region.
Compare.com Rating: 4.95 out of 5
Average full-coverage premium: $145 per month
Quotes available online
24/7 customer service
Wide range of discounts
Fewer coverage options than competitors
Below-average customer service rating
Few insurance agents in West Virginia
GEICO offers all the standard coverages you’d expect, plus a few add-ons, such as rental reimbursement, emergency road service, and mechanical breakdown insurance. It also offers multiple discounts and the DriveEasy safe driving program to help you save on your coverage.
Unfortunately, GEICO doesn’t have many agents in West Virginia, so it’s not a great pick if you want personalized service.
Local rates start as low as $59 per month.
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Like most states, West Virginia requires all drivers to have car insurance. To legally drive in the Mountain state, you must have at least the following minimum coverage:
Bodily injury coverage: $25,000 per person and $50,000 per accident
Property damage coverage: $25,000 per accident
Uninsured motorist coverage: $25,000 per person and $50,000 per accident
Uninsured motorist property damage coverage: $25,000 per accident
It’s worth noting that while West Virginia requires drivers to have uninsured motorist coverage, it doesn’t require you to have underinsured motorist coverage.
Experts usually recommend buying auto insurance coverage that exceeds your state’s minimum requirements. Most drivers invest in additional coverage to protect themselves from medical bills, repair costs, and legal disputes, according to the West Virginia Offices of the Insurance Commissioner.
For example, let’s say you cause an accident with $40,000 in damages to the other driver’s vehicle. West Virginia’s minimum coverage of $25,000 would leave you responsible for paying the remaining $15,000 out of pocket. Buying additional coverage can help protect your finances.
Below, we answered some common questions about car insurance in West Virginia.
West Virginia drivers pay an average of $118 per month for car insurance, according to Compare.com data. Drivers in the Mountain State pay
$83 per month for liability insurance and $153 per month for full coverage.
State Farm offers the lowest premiums in West Virginia, with rates starting at $59 per month.
It depends. Several factors, like your address, age, gender, and driving history, will determine how much you pay for car insurance. West Virginia drivers pay an average of $118 per month for car insurance. That’s compared to the national average of $149.
West Virginia law requires all drivers to have $25,000 per person and $50,000 per accident of bodily injury liability, $25,000 per accident of property damage liability. You also need uninsured motorist coverage in the same amounts.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.
Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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