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Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products. Aylea Wilkins is an editor specializing in personal and home equity loans. She has previously worked for Bankrate editing content about auto, home and life insurance. She has been editing professionally for nearly a decade in a variety of fields with a primary focus on helping people make financial and purchasing decisions with confidence by providing clear and unbiased information. Updated Nov 03, 2022 Pay less for auto insurance A better rate is around the corner. See how much you could save in 3 minutes or less. Your information is secure Next Compare quotes from reliable carriers + MORE how it works Caret Down Provide some info to get offers We only ask for info that can impact your rate so we can share accurate and personalized offers. Select your policy Compare and move forward with as many offers as you want from a list of trusted carriers. Settle your rate and policy details Once you've decided on a carrier, wrap up the process online or on the phone with a trusted agent. On This Page
Compare rates and save on auto insurance today! Get quotes Close X There are over on West Virginia roads and over . The average cost of car insurance in West Virginia is $458 on average per year for state minimum liability coverage and $1,499 annually for full coverage. By shopping for quotes with multiple to compare West Virginia rates, drivers can find affordable coverage to meet their needs. Where you live in West Virginia and your driving history are the main factors determining how affordable your rates are. See More This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More How much does car insurance cost in West Virginia
While the state you live in is a big factor in how much you will pay for auto insurance rates, your driving record, age, the company you choose for car insurance and the type of car you drive also make a difference. Auto insurance rates are cheaper in West Virginia than the nationally, which is $565 per year for state minimum coverage and $1,674 for full coverage. We also compared how much car insurance in is based on company, city, age and driving history. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. West Virginia car insurance rates by company
The table below shows some of the offering coverage in West Virginia and rates the average driver could pay. Although we found Nationwide, Erie and USAA to have some of the for our sample driver, rates are based on personal and household demographics. The best way to know which auto insurance company is right for you is to get several quotes from different companies to compare coverages and rates. Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage $584 $2,003 $316 $1,222 $809 $2,231 > $288 $993 $615 $1,661 $411 $1,195 $316 $1,185 $384 $1,549 West Virginia car insurance rates by city
The auto insurance rates in the table below are for the top 20 cities in by population density. City Average annual premium for full coverage % difference from state average annual premium Charleston $1,444 -4% Huntington $1,458 -3% Parkersburg $1,416 -6% Morgantown $1,348 -10% Martinsburg $1,277 -15% Wheeling $1,324 -12% Weirton $1,347 -10% Beckley $1,472 -2% Fairmont $1,372 -9% Clarksburg $1,373 -8% Hedgesville $1,319 -12% South Charleston $1,449 -3% Berkeley Springs $1,310 -13% Chapmanville $1,734 16% St. Albans $1,447 -3% Charles Town $1,290 -14% Cross Lanes $1,443 -4% Bluefield $1,398 -7% Vienna $1,423 -5% Dunbar $1,443 -4% West Virginia car insurance rates by age
In West Virginia, inexperienced young drivers will pay the most for . Drivers in the 50- and 60-year-old age groups tend to pay the cheapest rates for car insurance. The more experience you have behind the wheel and the more you avoid tickets and at-fault accidents, the more you can potentially save on car insurance per month in West Virginia. Age Average annual premium in West Virginia * $2,276 $4,879 $3,514 $1,907 $1,673 $1,598 $1,464 $1,405 Age 70 $1,536 *16 year old calculated on parent's policy disclosure West Virginia car insurance rates by driving record
Maintaining a clean driving record is one way to keep cheap car insurance costs in West Virginia. A driver with a speeding ticket can see an average increase of 17% in annual premiums but that increased amount more than doubles for an at-fault accident. Drivers with a DUI conviction in West Virginia pay on average 79% more per year for car insurance than drivers without a DUI. Driving incident Average annual full coverage premium in West Virginia % increase of average annual premium Speeding ticket $1,757 17% Accident $2,038 36% DUI $2,680 79% How to save on car insurance in West Virginia
Other than keeping a clean driving record, there are several ways to save on car insurance in West Virginia: Ask about discounts: Most car insurance companies offer several discount options to make auto insurance more affordable. If you have not reviewed your policy recently, discuss your coverages and discounts with your licensed insurance agent to make sure you are getting all the discounts you are eligible for. Check your mileage: If you carpool to work or work from home, you may be able to get a low-mileage discount on your . The less miles you drive per year, the better the discount savings could be. Consider a new car purchase: If you are in the market for a new car, consider the safety features offered for different . Typically, the safer a car is, the less expensive it will be to insure. Safety features are designed to reduce occupant injuries and deter theft and include anti-lock brakes, automatic seatbelts, daytime running lights and built-in alarm features. Review coverages: If you own an older car, you may be able to remove comprehensive and collision coverage for more savings if the book value is low. Increasing deductibles is another good way to save, but be sure you can pay the higher deductible or to repair your car if you remove coverage and you are involved in an accident. Shop for car insurance: Each year when your auto insurance is scheduled to renew, get several quotes from different companies to compare. You may be able to without changing coverages just by . Frequently asked questions
This answer is different for everyone, but generally once the book value of the car has reduced enough that you can afford to pay for claims out of pocket, it may be time to remove comprehensive and collision coverage. If the vehicle still has a loan or lease, check with your lender before you make coverage changes to make sure you are satisfying the loan terms.
Insurance rates are based on several factors besides the vehicle, including where you live and your driving record. Cars with more safety features tend to have the lowest auto insurance rates because they reduce injuries and have more security features to ward off theft temptation.
According to analysis of a sample driver, Nationwide has the cheapest auto insurance rates for state minimum and in West Virginia. However, your rates may be different based on what West Virginia city you live in, the type of car you drive, how old you are and your driving history. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage. Written by Mandy Sleight Insurance Contributor Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products. Aylea Wilkins is an editor specializing in personal and home equity loans. She has previously worked for Bankrate editing content about auto, home and life insurance. She has been editing professionally for nearly a decade in a variety of fields with a primary focus on helping people make financial and purchasing decisions with confidence by providing clear and unbiased information.