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John Denver sang on the back roads of West Virginia, but that catchy tune doesn’t mention the problems that can arise if you don’t have the right car insurance on the way home. Whether it’s floods, tornadoes, drivers on the phone, or drivers without any car insurance, you need good car insurance.

But where can you find cheap car insurance in West Virginia? We’ve rated seven car insurance companies to help you find the best rates in the state.

Related: The best car insurance companies

Where to Find Cheap Car Insurance in West Virginia

Cheap car insurance in West Virginia for good drivers

The best way to get the cheapest auto insurance rates is to drive safely, avoid accidents, and have no claims. Good drivers pay the lowest rates, but you can still save on car insurance by comparing quotes from multiple insurers.

Check out quotes from Geico and State Farm if you’re looking for cheap car insurance rates in West Virginia. USAA is a good choice for veterans, military members or their families.

Related: Cheap car insurance

Cheap car insurance in West Virginia for drivers with a speeding ticket

Expect to be hit with a higher car insurance rate if you get caught speeding. The average car insurance rate increases by more than $200 as a result of speeding in West Virginia, according to our analysis. But you can still reduce your costs by comparing quotes.

State Farm, Erie, and Geico are worth considering if you’re looking for low fares after speeding. USAA might have better prices for those who are eligible to purchase a policy.

Cheap car insurance in West Virginia for drivers who have caused an injury accident

An at-fault accident that results in injury to someone else can drive up West Virginia auto insurance rates by more than $600 a year. But the increase in your rates depends partly on the insurance company.

Both State Farm and Erie offer more affordable policies for West Virginia drivers with at-fault injury accidents. Try USAA, if you meet the criteria for buying a policy.

Cheap car insurance in West Virginia for drivers with a DUI

A DUI conviction can increase West Virginia auto insurance rates by an average of 60%. That’s a rate hike of nearly $1,000 a year.

Check State Farm quotes if you’re looking for cheap auto insurance in West Virginia after a DUI. USAA also has competitive rates, if you qualify with a military affiliation.

Cheap car insurance in West Virginia for drivers with bad credit

A driver with bad credit in West Virginia can pay more than $1,200 more per year for car insurance than drivers with good credit.

Geico and USAA are good choices for drivers with poor credit in West Virginia. You can also look for auto insurance discounts to help you save money on your coverage.

Cheap car insurance in West Virginia for adding a teen driver

Expect to see higher car insurance rates if you add a teenager to your policy. According to our analysis, parents in West Virginia pay an average of $3,656 per year after enrolling a teenager in their policies. But comparison shopping can unearth options that don’t cost that much.

Get quotes from Nationwide, Westfield and Geico if you’re looking for cheaper rates for parents with teens on their policy. Military personnel, veterans, and their families may find better rates with USAA.

Look for ways to offset some of the rising rates by learning about discounts and how much you’d save by increasing your deductible.

Related: Best Cheap Car Insurance for Teenagers

Cheap car insurance in West Virginia for young drivers aged 18-25

Young drivers in West Virginia looking for cheap auto insurance should consider getting quotes from Geico, State Farm, and Erie. USAA is also an affordable option if you qualify.

Be sure to ask about student car insurance discounts if you’re in school to maximize potential savings.

Cheap Car Insurance in West Virginia for Drivers Age 65 and Older

Geico and State Farm are solid choices for low rates for senior drivers in West Virginia, based on the companies we reviewed.

Related: Best car insurance for seniors

Cheapest Vehicles for Insurance in West Virginia

You may be able to save money on your auto insurance with the right type of car. In West Virginia, the Subaru Crosstrek, Honda CR-V LX and Honda Pilot are among the least expensive insurance options, based on average rates for the 50 top-selling 2021 models. The 20 cheapest are below.

The vehicles with the most expensive insurance in West Virginia among popular models are the Tesla Model S Performance ($5,472 per year) and the Volvo XC90 T8 Inscription ($3,390 per year).

Related: The most and least expensive cars to insure nationwide

Minimum car insurance required in West Virginia

Car owners in West Virginia must have auto liability insurance. This pays for the damage and injury you cause to others if you crash into someone. This coverage also covers your legal defense if you are sued due to a car accident.

West Virginia car owners must purchase liability insurance limits of at least:

  • $20,000 for bodily injury to a person
  • $40,000 for bodily injury to multiple people in an accident
  • $10,000 for property damage in an accident

This is usually written as 20/40/10.

Car owners in West Virginia are also required to have Uninsured Motorist (UM) coverage. This pays for your medical bills and damages to your car if you are hit by an uninsured driver or a getaway driver. You must purchase UM with at least:

  • $20,000 for bodily injury to a person
  • $40,000 for bodily injury to multiple people in an accident
  • $10,000 for property damage in an accident

What else should I have?

Underinsured Motorist (UIM) coverage. This coverage is similar to UM, but is optional in West Virginia. The UIM covers your medical expenses and damage to your car when a driver hits you who has liability insurance, but not enough to cover your accident bills.

Coverage of medical payments (MedPay). This covers medical and funeral expenses for you and other people covered by your policy, regardless of who is at fault in a car accident.

Collision and comprehensive insurance. If you want good coverage for your vehicle, you’ll want collision and comprehensive insurance. Together these cover a wide range of issues including car accidents, car theft, vandalism, riots, hail, fire, flooding, falling objects (such as tree branches, etc.) trees) and collisions with animals (such as deer). If you have a car loan or lease, you are probably already required to purchase these types of insurance.

Summary: Car Insurance Required in West Virginia

Can I show my insurance ID card from my phone?

West Virginia allows you to use a phone to show an auto insurance ID card. Check with your auto insurance company to see if they offer a mobile app that includes access to electronic ID cards.

Average car insurance premiums in West Virginia

West Virginia drivers pay an average of $870 per year for car insurance. Here is an overview of average premiums for common types of cover.

Factors Allowed in West Virginia Auto Insurance Rates

Auto insurance companies typically look at your driving record, past claims, vehicle model and more when setting rates. In West Virginia, companies may also use these factors when setting auto insurance rates.

How many uninsured drivers are there in West Virginia?

About 9% of West Virginia drivers do not have car insurance, according to the Insurance Research Council. If they hit you, you can try to chase them. Or you can use your uninsured motorist coverage for injuries and damage to the car.

Penalties for driving without car insurance

If you are caught driving without insurance in West Virginia, you could be fined $200 and have your driver’s license and vehicle registration suspended.

When can a vehicle be totaled?

West Virginia auto insurance companies can determine if a car is a total loss when the damage exceeds 75% of its market value.

Troubleshoot insurance issues

If you have an unresolved dispute with an auto insurance company, you can file a complaint with the Office of the West Virginia Insurance Commissioner.

Methodology

To find the cheapest car insurance companies in West Virginia, we used the rates of Quadrant Information Services, an insurance data and analytics provider. Rates are based on a female driver with a clean record insuring a Toyota RAV4 with $100,000 per person liability coverage, $300,000 per accident and $100,000 property damage liability coverage, uninsured motorist coverage and any other coverage required in the state. The rate also includes collision and all perils with a deductible of $500.

The companies assessed for West Virginia were Allstate, Erie, Geico, Progressive, State Farm, USAA and Westfield. Rate analysis was performed in October 2021.

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