Best car insurance companies in West Virginia

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    Article Highlights

    For drivers looking for the best car insurance in West Virginia, we have provided an overview of the top providers by market share. Our report includes a look at what the average rates are for West Virginia and how these rates are affected by your driving record. You can also compare rates by provider and major cities in West Virginia.

    The average West Virginia driver pays $1,670 per year for insurance, which breaks down to about $139 each month for 12 months of coverage. In comparison, the national average car insurance rate in the United States is $1,555 per year for a 12 month, full coverage policy. The average minimum coverage rate across the U.S. is $545 for a 12 month premium.

    While these rates may be useful in your comparison-shopping, please keep in mind that the following rates represent averages for West Virginia and may not reflect your actual premium quote.

    West Virginia Quickfacts

    • Cheapest carrier for full coverage in West Virginia is Erie: $1,112
    • Cheapest carrier for minimum coverage in West Virginia is Erie: $302
    • Carrier with highest customer satisfaction in West Virginia: USAA
    • Number of uninsured drivers in West Virginia: 10.1%
    • West Virginia is on the higher end for car insurance rates

    Average cost of car insurance in West Virginia

    Clean record 1 speeding ticket 1 accident
    Full coverage$1,631$1,799$1,799
    Minimum coverage$518$624$624

    Quadrant data services, 2020

    Best car insurance companies in West Virginia

    Average annual premiums by insurance carrier

    Company Full coverage rate Minimum coverage rate
    Allstate$3,276$711
    GEICO$1,123$327
    Progressive$1,834$716
    State Farm$1,371$475
    USAA$1,325$405
    Nationwide$1,301$496
    MetLife$2,243$786
    Erie$1,112$302
    Westfield$1,396$332

    Quadrant data services, 2020

    Car insurance rates in West Virginia by city

    City Full coverage annual rate Minimum coverage annual rate
    Charleston$1,739$558
    Huntington$1,760$581
    Morgantown$1,614$481
    Parkersburg$1,710$529
    Wheeling$1,610$499

    Quadrant data services, 2020

    Methodology

    Coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states, using the top 15 carriers by premiums written by state. Quoted rates are based around the profiles of a 30 year male and female with clean driving records, good credit and the following full coverage details:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year.

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