Average cost of auto insurance in West Virginia (2021 rate)

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There are more than 1.1 million licensed drivers on West Virginia’s roads, and more than 40% of households own two cars. The average cost of auto insurance in West Virginia is an average of $ 458 per year for minimum state liability coverage and $ 1,499 per year for full coverage.

By purchasing quotes from several auto insurance companies 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 that determine how affordable your fares are.

How Much Does Auto Insurance Cost in West Virginia?

While the state you live in is a big factor in how much you will pay for auto insurance premiums, your driving record, your age, which company you choose for auto insurance, and the type of car. that you drive also make a difference. Auto insurance rates are cheaper in West Virginia than the nationwide average cost of auto insurance, which is $ 565 per year for minimum state coverage and $ 1,674 for minimum coverage. full coverage. We also compared the amount of car insurance in West Virginia based on company, city, age, and driving history.

West Virginia auto insurance rates by company

The table below shows some of the best auto insurance companies offering coverage in West Virginia and the rates the average driver could pay. While we found that Nationwide, Erie, and USAA had some of the cheapest auto insurance in West Virginia for our driver sample, the rates are based on individual and household demographics. The best way to find out which auto insurance company is right for you is to get multiple quotes from different companies to compare coverage and rates.

West Virginia auto insurance rates by city

The auto insurance rates in the table below are for the top 20 cities in West Virginia in terms of population density.

City Average annual premium for full coverage % difference from the average annual state premium
Charleston $ 1,444 -4%
Huntington $ 1,458 -3%
Parkersburg $ 1,416 -6%
Morgantown $ 1,348 -ten%
Martinsbourg $ 1,277 -15%
To roll $ 1,324 -12%
Weirton $ 1,347 -ten%
Beckley $ 1,472 -2%
Fairmont $ 1,372 -9%
Clarksburg $ 1,373 -8%
Hedgesville $ 1,319 -12%
South Charleston $ 1,449 -3%
Berkeley Sources $ 1,310 -13%
Chapmanville $ 1,734 16%
Saint-Albans $ 1,447 -3%
City of Charles $ 1,290 -14%
Cross the tracks $ 1,443 -4%
Bluefield $ 1,398 -7%
Vienna $ 1,423 -5%
Dunbar $ 1,443 -4%

West Virginia Auto Insurance Rates by Age

In West Virginia, young, inexperienced drivers will pay the most for auto insurance. Drivers in the 50 and 60 age groups tend to pay the cheapest rates for auto 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 auto insurance per month in West Virginia.

* 16 years calculated on the parents’ policy disclosure

West Virginia Auto Insurance Rates by Driving Record

Maintaining a clean driving record is one way to keep car insurance costs low in West Virginia. A driver with a speeding ticket may see an average 17% increase in annual premiums, but that amount has more than doubled for a at-fault accident. Drivers with a DUI conviction in West Virginia pay an average of 79% more per year for auto insurance than drivers without a DUI.

Driving incident Average annual premium for full coverage in West Virginia % increase in average annual premium
Speeding $ 1,757 17%
Accident $ 2,038 36%
DUI $ 2,680 79%

How to save on car insurance in West Virginia

In addition to keeping a clean driving record, there are several ways you can save money on car insurance in West Virginia:

  • Ask about discounts: Most auto insurance companies offer several discount options to make auto insurance more affordable. If you haven’t reviewed your policy recently, discuss your coverage and discounts with your licensed insurance agent to make sure you get all the discounts you are entitled to.
  • Check your mileage: If you are carpooling to work or home, you may be able to get a low mileage reduction on your auto insurance. The fewer kilometers you drive per year, the better the discount savings.
  • Consider buying a new car: If you are in the market for a new car, consider the safety features offered by different makes and models. As a general rule, the safer a car, the less it will cost to insure. Safety devices are designed to reduce occupant injury and deter theft and include anti-lock brakes, automatic seat belts, daytime running lights and built-in alarm functions.
  • Examine the covers: If you own an older car, you may be able to remove full and collision coverage for more savings if the book value is low. Increasing deductibles is another great way to save money, but make sure you can afford the highest deductible or have your car repaired if you remove coverage and get involved in an accident.
  • Buy your auto insurance: Each year when your auto insurance needs to be renewed, get multiple quotes from different companies to compare. You may be able to save money without changing coverage by simply changing operators.

Frequently Asked Questions

How long should you wear full coverage on a car?

This answer is different for everyone, but generally, once the book value of the car has fallen enough that you can afford to pay claims out of pocket, it may be time to remove full coverage and collision. If the vehicle still has a loan or lease, check with your lender before changing coverage to make sure you are on loan terms.

Which cars have the lowest insurance rates?

Insurance rates are based on several factors other than the vehicle, including where you live and your driving record. Cars with more security features tend to have the lowest auto insurance rates because they reduce injuries and have more security features to ward off the temptation of theft.

What is the cheapest car insurance in West Virginia?

According to analysis of a driver sample, Nationwide has the cheapest auto insurance rates for minimum and comprehensive state coverage in West Virginia. However, your rates may be different depending on the West Virginia city you live in, the type of car you drive, your age, and your driving history.

Methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:

  • $ 100,000 liability for bodily injury per person
  • $ 300,000 liability for bodily injury per accident
  • Civil liability for property damage of $ 50,000 per accident
  • $ 100,000 in bodily injury caused by an uninsured motorist per person
  • $ 300,000 in uninsured bodily injury per accident to a motorist
  • $ 500 collision deductible
  • Global deductible of $ 500

To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.

These are sample rates and should be used for comparison purposes only.

Age: The rates were calculated by evaluating our baseline profile with ages 18-60 (baseline: 40) applied.

Incident: The rates were calculated by evaluating our basic profile with the following incidents applied: clean criminal record (basic), responsible accident, single speeding ticket, single conviction for driving while intoxicated and forfeiture of coverage.


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