Auto Insurance Costs In West Virginia: What To Expect

The cost of auto insurance in West Virginia depends on a variety of factors, including age, gender, driving record, credit score, and vehicle type. The average cost of car insurance in West Virginia is $1,378 per year, which is 3.4% less than the national average. The cheapest car insurance company in West Virginia for full coverage is State Farm, at $106 per month, or $1,268 per year. For minimum coverage, Erie has the cheapest rates at an average of $33 per month, or $399 per year.

Cheapest full-coverage car insurance in West Virginia

The cost of car insurance varies depending on factors such as age, gender, driving history, and credit score. Here is a breakdown of the cheapest full-coverage car insurance in West Virginia for different demographics:

Erie Insurance offers the cheapest rates for young drivers in West Virginia, with an average monthly cost of $73 for full coverage and $234 for minimum coverage. Westfield and State Farm are the next cheapest options, but their rates are significantly higher. The average monthly cost of full-coverage car insurance for an 18-year-old driver in West Virginia is $174.

State Farm is the cheapest option for drivers with a speeding ticket, with an average monthly rate of $112 for full coverage. Allstate is the most expensive, with an average monthly rate of $212. Drivers with a speeding ticket in West Virginia pay on average $163 per month for insurance, which is 15% more than a driver without any tickets.

State Farm is the cheapest option for drivers with an accident history, with an average monthly rate of $120. Erie is a close second, with an average monthly rate of $129. Drivers who are responsible for a recent crash will likely see their rates increase, as insurers consider them to be higher-risk. However, rates will usually return to normal after about three years.

Erie Insurance offers the cheapest rates for drivers with a DUI, with an average monthly rate of $166. Progressive is the next cheapest option, but their rates are significantly higher at $220 per month. Drivers with a DUI in West Virginia pay on average 76% more for car insurance.

Westfield offers the best rates for drivers with poor credit, with an average monthly rate of $175. This is 32% cheaper than the state average. Drivers with poor credit in West Virginia pay on average 83% more for car insurance compared to drivers with good credit.

The cheapest city in West Virginia for car insurance is Martinsburg, with an average monthly rate of $123. The most expensive city is Kermit, with an average monthly rate of $177. The price of car insurance in West Virginia can vary by up to $54 per month depending on location.

Cheapest liability-only car insurance in West Virginia

Liability-only car insurance is typically the most affordable option for auto insurance. However, liability insurance only pays others for injuries and property damage if you cause an accident (up to the policy limit). It won't cover the cost of repairing your vehicle, or paying for injuries to you and/or your passengers.

USAA, Erie, and Auto-Owners are the cheapest liability-only car insurance companies, according to Forbes Advisor's evaluation. USAA is only available to military members, veterans, and their families. Erie is available in 12 states and Washington, D.C., while Auto-Owners is available in 26 states.

According to ValuePenguin, State Farm has the cheapest liability-only car insurance for most drivers, at around $50 per month. However, USAA is the cheapest company for liability-only coverage, at just $34 per month.

In West Virginia, Erie has the cheapest minimum-coverage car insurance quotes, at an average price of $33 per month, or $399 per year. The most expensive company, Progressive, offers minimum coverage for $91 per month.

Cheapest car insurance for young drivers in West Virginia

The cost of car insurance in West Virginia varies depending on age, gender, driving history, and other factors. Here is a breakdown of the cheapest car insurance options for young drivers in the state:

Cheapest Car Insurance for Teen Drivers in West Virginia

According to US News, the average annual rates for 17-year-old drivers in West Virginia are $5,066 for females and $5,838 for males. The cheapest option for teen drivers is Erie Insurance, with an average annual rate of $2,376 for females and $2,814 for males.

Cheapest Car Insurance for Young Adult Drivers in West Virginia

For 25-year-old drivers, US News reports that the average auto insurance rate in West Virginia is $1,802 per year for females and $1,921 per year for males. USAA offers the cheapest rates for both female and male drivers in this age group, with an average annual rate of $1,034.

Cheapest Car Insurance for Seniors in West Virginia

For older drivers, US News found that the average annual rate for a 60-year-old female driver in West Virginia is $1,258, while the average rate for a 60-year-old male driver is $1,339. The cheapest option for most drivers in this age group is Erie Insurance, with rates of $904 for females and $855 for males.

Cheapest Car Insurance for Young Drivers with a Speeding Ticket in West Virginia

For young drivers with a speeding ticket on their record, US News reports that the average car insurance rate in West Virginia is $1,863 per year. The cheapest option for this demographic is USAA, with an average annual rate of $973.

Cheapest Car Insurance for Young Drivers with an Accident in West Virginia

For young drivers who have been in an accident, US News found that the average car insurance rate in West Virginia is $2,231 per year. The cheapest option for this group is Erie Insurance, with an average annual rate of $1,294.

Cheapest Car Insurance for Young Drivers with Poor Credit in West Virginia

According to US News, the statewide average car insurance premium for young drivers with poor credit in West Virginia is $2,698 per year. The cheapest option for this group is USAA, with an average annual premium of $1,521. However, USAA is only available to military members and their families, so Nationwide is the next cheapest option, with an average rate of $1,698 per year.

Cheapest Car Insurance Companies in West Virginia

Overall, the cheapest car insurance companies in West Virginia are USAA and Erie Insurance. USAA offers exclusive coverage for military members and their families, while Erie Insurance is the most affordable option for the general public.

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

The cost of car insurance in West Virginia varies depending on several factors, including age, gender, credit score, driving history, vehicle make and model, and location. For example, younger drivers tend to pay higher premiums because they are considered to be more inexperienced and therefore more likely to get into accidents. Similarly, drivers with a history of speeding tickets or other traffic violations may see an increase in their insurance rates.

According to ValuePenguin, the cheapest car insurance for drivers with a speeding ticket in West Virginia is offered by State Farm, with an average rate of $112 per month for full coverage. Allstate, on the other hand, has the most expensive quotes after a ticket, with an average cost of $212 per month. On average, drivers in West Virginia with a speeding ticket on their record pay $163 per month for insurance, which is 15% more than a driver without any tickets.

Other insurance companies that offer competitive rates for drivers with a speeding ticket in West Virginia include:

• Westfield
• Erie
• USAA
• Encompass
• Progressive
• Farmers
• Nationwide

It is important to note that insurance rates can vary, and it is always a good idea to compare quotes from multiple insurance providers to find the best deal. Additionally, there may be discounts available that can help lower insurance costs, such as good student discounts or safe driver discounts.

Cheapest car insurance for drivers with a DUI in West Virginia

West Virginia drivers with a DUI on their record can expect to pay substantially more for car insurance. On average, drivers pay $350 per month or $4,200 per year for full-coverage car insurance. That’s more than 45% higher than average rates for drivers with clean records.

• State Farm: State Farm offers the best rates for drivers with a DUI in West Virginia, with an average annual rate of $1,260.
• Erie Insurance: Erie Insurance is the second-cheapest option for drivers with a DUI in West Virginia, with an average annual rate of $1,668.
• USAA: USAA offers the cheapest rates for drivers with a DUI in West Virginia, with an average annual rate of $1,216. However, USAA policies are only available to military members and their families.
• Progressive: Progressive is the third-cheapest option for drivers with a DUI in West Virginia, with an average annual rate of $2,087.
• Nationwide: Nationwide is another affordable option for drivers with a DUI in West Virginia, with an average annual rate of $1,698. However, USAA policies are only available to military members and their families.

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