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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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Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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West Virginia requires all drivers to have car insurance to legally drive in the state. Drivers in the Mountain State pay an average of $111 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, USAA, and Erie. You can get minimum coverage for as low as $48 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 $48 per month.
West Virginia drivers pay a monthly average of $81 for liability-only coverage and $140 for full coverage.
State Farm, USAA, and Erie are three of our top picks for West Virginia car insurance.
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 or Coverage Type  | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $48 |
| Full coverage | State Farm | $76 |
| Teens | State Farm | $99 |
| Seniors | State Farm | $38 |
| Drivers with a speeding ticket | State Farm | $58 |
| Drivers with an at-fault accident | State Farm | $59 |
| Drivers with a DUI | State Farm | $65 |
| Drivers with excellent credit | State Farm | $38 |
| Drivers with poor credit | State Farm | $69 |
We’ll break down each driver and coverage type in the sections below.
Comparing quotes can save you up to $867.†
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 | $48 |
| USAA | $58 |
| Erie | $58 |
| Safeco | $70 |
| National General | $77 |
| Root | $79 |
| Direct Auto | $85 |
| Foremost | $85 |
| GEICO | $87 |
| Dairyland | $91 |
| Nationwide | $109 |
| Allstate | $121 |
| Liberty Mutual | $126 |
State Farm has the cheapest car insurance in the state, with rates starting at $48.
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 $81 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.[2] 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.
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 liability coverage: $25,000 per person and $50,000 per accident
Property damage liability 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 underinsured motorist coverage.
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.[3]
If you finance or lease your car, your lender typically requires you to buy full coverage. West Virginia drivers pay an average of $140 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 $230 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.
Rates in West Virginia start at $48 per month.
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 $95 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.
Having an at-fault accident, speeding ticket, or driving under the influence (DUI) conviction on your driving record can cause your rates to increase when your policy renews. Insurance companies view drivers with infractions as riskier to insure, so they raise your rates to offset the risk that you might file a claim.
The tables below show the cheapest insurers in West Virginia for people with a recent ticket, at-fault accident, and DUI, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $58 |
| USAA | $72 |
| Erie | $74 |
| Safeco | $90 |
| National General | $92 |
| Root | $101 |
| Direct Auto | $103 |
| GEICO | $109 |
| Dairyland | $109 |
| Nationwide | $136 |
| Allstate | $151 |
| Liberty Mutual | $155 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $59 |
| Erie | $71 |
| USAA | $72 |
| Safeco | $93 |
| National General | $96 |
| Root | $98 |
| GEICO | $105 |
| Direct Auto | $109 |
| Dairyland | $113 |
| Nationwide | $137 |
| Allstate | $151 |
| Liberty Mutual | $158 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $65 |
| Erie | $78 |
| USAA | $79 |
| Safeco | $102 |
| National General | $105 |
| Root | $107 |
| Direct Auto | $116 |
| GEICO | $117 |
| Dairyland | $124 |
| Nationwide | $148 |
| Allstate | $165 |
| Liberty Mutual | $172 |
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.
West Virginia drivers with excellent credit pay an average monthly rate of $88 for car insurance. Drivers in West Virginia with poor credit pay an average of $139 per month.
Fortunately, some insurance companies offer low rates, regardless of your credit history.
The tables below show the cheapest insurers for West Virginia drivers with excellent and poor credit, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $38 |
| Erie | $42 |
| USAA | $49 |
| Safeco | $59 |
| National General | $65 |
| Root | $66 |
| GEICO | $67 |
| Direct Auto | $71 |
| Dairyland | $76 |
| Nationwide | $92 |
| Liberty Mutual | $97 |
| Allstate | $100 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $69 |
| USAA | $71 |
| Erie | $85 |
| Safeco | $87 |
| National General | $95 |
| Root | $98 |
| Direct Auto | $105 |
| GEICO | $108 |
| Dairyland | $112 |
| Nationwide | $135 |
| Allstate | $150 |
| Liberty Mutual | $151 |
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Use these tips to get the cheapest car insurance in West Virginia:
Shop around. Compare quotes from several insurers at least once a year to ensure you’re getting the best rate.
Maintain a good driving record. Your safe driving means you’re a lower risk to insurers, and you’ll pay lower rates.
Ask about discounts. Insurers offer various discounts, including for safe driving, paying in full, and having multiple policies.
Reduce your coverage. Consider dropping comprehensive and collision coverage if you have an older car.
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.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $48/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $76/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
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.
Quotes available online
Drive Safe & Save program
Bundling discounts
Gap insurance not available
Fewer discounts than competitors
Accident forgiveness not available
| User Reviews | 3.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $109/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $173/mo |
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
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.
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $87/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $139/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
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.
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
Local rates start as low as $48 per month.
Below, we answered some common questions about car insurance in West Virginia.
West Virginia drivers pay an average of $111 per month for car insurance, according to Compare.com data. Drivers in the Mountain State pay
$81 per month for liability insurance and $140 per month for full coverage.
State Farm offers the lowest premiums in West Virginia, with rates starting at $48 per month.
There’s no one “best” car insurance company in West Virginia, but State Farm, Erie, USAA, and Safeco are among our top picks.
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 $111 per month for car insurance. That’s compared to the national average of $137.
Typically, no. Minimum coverage may not be sufficient to cover medical bills and property damage if you cause an accident. A policy with minimum coverage also won’t pay to repair or replace your car. Experts often recommend purchasing higher liability limits or upgrading to a full-coverage policy to protect yourself financially.
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.
Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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