Find Cheaper West Virginia Car Insurance Rates in 2024
Enter your West Virginia zip code below to view companies that have cheap auto insurance rates.
Estimated auto insurance rates in West Virginia for 2024 are $1,288 annually for full coverage. Comprehensive, collision, and liability coverage cost around $286, $524, and $334, respectively. Elkins and Bluefield tend to have higher average rates, and the two most popular companies in West Virginia are State Farm and Nationwide.
Average rate for full coverage: $1,288
Price estimates for individual coverage:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range of Auto Insurance in West Virginia
For a driver in their 40's, insurance rates go from as cheap as $396 for basic liability insurance to a high rate of $2,784 for a driver who has had serious violations or accidents.
These rate differences show why all drivers should compare rates for a specific zip code and their own personal driving habits, rather than using average rates.
Use the form below to get accurate rates for your location.
Enter your West Virginia zip code below to view companies that have cheap auto insurance rates.
Recommended Companies for Cheap West Virginia Insurance
Chart shows West Virginia auto insurance prices for different situations. The cheapest price with discounts is $738. West Virginia drivers who use higher $1,000 deductibles will pay about $1,104. The average price for a driver age 40 with no violations using $500 deductibles is $1,288. Using lower $100 deductibles for comprehensive and collision insurance can cost as much as $1,646. Drivers with multiple violations and accidents could be charged up to $2,784. The policy rate for full coverage insurance for a 16-year-old driver is $4,742.
Car insurance rates in West Virginia also have a wide range based on your vehicle choice, your driver profile, and deductibles and policy limits.
Where you choose to live in West Virginia makes a big difference in auto insurance rates. Rural areas may have rates around $1,000 a year, while Elkins and Bluefield may see rates upwards of $1,500. Even different areas within a few miles of each other in the same city can have a wide range of rates.
These price discrepancies emphasize the importance of getting rates based on where you live in West Virginia.
The company you choose definitely has an impact on price. In each state, every insurer has a different rate structure, and prices can range greatly based on indivdual risk characteristics. In West Virginia, car insurance prices range from $922 with Erie to as much as $3,884 with Sentry. Companies like The Hartford, State Auto, and Westfield fall in the middle.
Those are not necessarily the exact rates you would pay, as the vehicle you are insuring, any driving violations, and your location in West Virginia all influence the price.| Rank | Company | Market Share | Average Rate |
|---|---|---|---|
| 1 | State Farm | 26.56% | $1,523 |
| 2 | Nationwide | 13.55% | $1,567 |
| 3 | Erie Insurance | 13.53% | $922 |
| 4 | Geico | 8.74% | $1,710 |
| 5 | Allstate | 7.71% | $2,276 |
| 6 | Progressive | 5.19% | $1,509 |
| 7 | Liberty Mutual | 4.55% | $3,243 |
| 8 | The Hartford | 3.63% | $1,039 |
| 9 | USAA | 3.56% | $1,300 |
| 10 | Westfield | 2.54% | $1,288 |
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra
Using high physical damage deductibles could save up to $550 a year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $300 extra every 12 months. View Rates by Deductible or Liability Limit
Your choice of vehicle has a significant impact on the price you pay for insurance in West Virginia. Choosing to drive a less expensive and lower-performance model will save money on insurance because of lower cost for replacement parts and reduced frequency of accidents.
The next table shows auto insurance estimates for some of the more popular vehicles insured in West Virginia.
| Make and Model | Premium | % to Avg |
|---|---|---|
| Chevrolet Silverado | $1,360 | 5.3% |
| Dodge Ram | $1,398 | 7.9% |
| Ford Escape | $1,074 | -19.9% |
| Ford Focus | $1,246 | -3.4% |
| Ford Fusion | $1,368 | 5.8% |
| Ford F-150 | $1,210 | -6.4% |
| GMC Acadia | $1,186 | -8.6% |
| GMC Sierra | $1,338 | 3.7% |
| Honda Accord | $1,202 | -7.2% |
| Honda Civic | $1,410 | 8.7% |
| Honda CR-V | $1,046 | -23.1% |
| Honda Pilot | $1,224 | -5.2% |
| Hyundai Sonata | $1,308 | 1.5% |
| Kia Optima | $1,332 | 3.3% |
| Nissan Altima | $1,324 | 2.7% |
| Nissan Rogue | $1,296 | 0.6% |
| Toyota Camry | $1,312 | 1.8% |
| Toyota Corolla | $1,284 | -0.3% |
| Toyota Prius | $1,196 | -7.7% |
| Toyota RAV4 | $1,214 | -6.1% |
| Get Rates for Your Vehicle Quote Now | ||
Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged as much as $4,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at least $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates
With so much difference in prices, the only way to know your exact price is to do a rate comparison and see how they stack up. Every company uses a different method to calculate prices, so rate quotes will be substantially different between companies.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,742 |
| 20 | $2,976 |
| 30 | $1,352 |
| 40 | $1,288 |
| 50 | $1,176 |
| 60 | $1,154 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,646 |
| $250 | $1,480 |
| $500 | $1,288 |
| $1,000 | $1,104 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,288 |
| 50/100 | $1,355 |
| 100/300 | $1,438 |
| 250/500 | $1,655 |
| 100 CSL | $1,388 |
| 300 CSL | $1,572 |
| 500 CSL | $1,706 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,776 |
| 20 | $4,726 |
| 30 | $2,850 |
| 40 | $2,784 |
| 50 | $2,654 |
| 60 | $2,630 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $69 |
| Multi-vehicle | $66 |
| Homeowner | $18 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $61 |
| Advance Quote | $64 |
| Online Quote | $92 |
| Total Discounts | $550 |
Discounts are estimated and may not be available from every company or in every state.
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