The Cheapest Car Insurance in West Virginia for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in West Virginia for a variety of ages and driving histories.
Dec 9, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in West Virginia isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in West Virginia is $1,622 per year, or about $135 per month, according to NerdWallet’s analysis. Minimum coverage in West Virginia is $512 per year on average, but we found you can likely get a cheaper policy. For example, Erie offers the cheapest rates in West Virginia at $305 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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Cheapest car insurance company overall in West Virginia

$91/month

4.5

NerdWallet rating 

Cheapest for minimum coverage

$25/month

4.0

NerdWallet rating 

Cheapest for young drivers

$182/month

3.5

NerdWallet rating 

Cheapest for drivers with poor credit

$91/month

4.5

NerdWallet rating 

How we chose the cheapest companies in West Virginia

NerdWallet’s editorial team analyzed car insurance rates from nine auto insurers in West Virginia and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in West Virginia. For full coverage, we used the below 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 coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in West Virginia for 20-year-olds

Drivers in West Virginia with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Encompass: $2,182 per year, or about $182 per month.

  2. State Farm: $2,364 per year, or about $197 per month.

  3. Nationwide: $2,395 per year, or about $200 per month.

  4. Erie: $2,516 per year, or about $210 per month.

  5. MetLife: $4,100 per year, or about $342 per month.

Cheapest minimum coverage car insurance in West Virginia for 20-year-olds

Drivers in West Virginia who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Erie: $610 per year, or about $51 per month.

  2. Encompass: $737 per year, or about $61 per month.

  3. State Farm: $753 per year, or about $63 per month.

  4. Nationwide: $943 per year, or about $79 per month.

  5. Allstate: $1,079 per year, or about $90 per month.

Cheapest auto insurance in West Virginia for 20-year-olds with poor credit

Drivers with poor credit in West Virginia should look at the following insurers with the lowest average rates for minimum coverage:

  1. Encompass: $1,098 per year, or about $92 per month.

  2. Nationwide: $1,278 per year, or about $106 per month.

  3. Allstate: $1,372 per year, or about $114 per month.

  4. Erie: $1,412 per year, or about $118 per month.

  5. State Farm: $1,627 per year, or about $136 per month.

Cheapest auto insurance in West Virginia for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in West Virginia, here are the companies with the lowest average rates for minimum coverage:

  1. Erie: $750 per year, or about $62 per month.

  2. State Farm: $976 per year, or about $81 per month.

  3. Encompass: $1,026 per year, or about $86 per month.

  4. Nationwide: $1,070 per year, or about $89 per month.

  5. Westfield: $1,462 per year, or about $122 per month.

Cheapest auto insurance in West Virginia for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Erie: $876 per year, or about $73 per month.

  2. State Farm: $1,172 per year, or about $98 per month.

  3. Nationwide: $1,206 per year, or about $100 per month.

  4. Allstate: $1,398 per year, or about $116 per month.

  5. Westfield: $1,919 per year, or about $160 per month.

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in West Virginia for 30-year-olds

Drivers in West Virginia with clean driving records may get the lowest rates from these companies:

  1. Nationwide: $1,093 per year, or about $91 per month.

  2. Encompass: $1,152 per year, or about $96 per month.

  3. Erie: $1,325 per year, or about $110 per month.

  4. State Farm: $1,346 per year, or about $112 per month.

  5. Westfield: $1,529 per year, or about $127 per month.

Cheapest minimum coverage car insurance in West Virginia for 30-year-olds

Drivers in West Virginia who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Erie: $319 per year, or about $27 per month.

  2. Encompass: $337 per year, or about $28 per month.

  3. Westfield: $373 per year, or about $31 per month.

  4. State Farm: $384 per year, or about $32 per month.

  5. Nationwide: $442 per year, or about $37 per month.

Cheapest auto insurance in West Virginia for 30-year-olds with poor credit

Drivers with poor credit in West Virginia should consider the following companies with the lowest average rates for full coverage:

  1. Nationwide: $1,474 per year, or about $123 per month.

  2. Encompass: $1,737 per year, or about $145 per month.

  3. Westfield: $2,176 per year, or about $181 per month.

  4. State Farm: $2,729 per year, or about $227 per month.

  5. Erie: $3,282 per year, or about $274 per month.

Cheapest auto insurance in West Virginia for 30-year-old drivers with one at-fault crash

For drivers in West Virginia with a recent accident, here are the lowest average rate options for full coverage:

  1. Nationwide: $1,638 per year, or about $136 per month.

  2. Erie: $1,643 per year, or about $137 per month.

  3. Encompass: $1,664 per year, or about $139 per month.

  4. State Farm: $1,664 per year, or about $139 per month.

  5. Westfield: $2,227 per year, or about $186 per month.

Cheapest auto insurance in West Virginia for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. State Farm: $1,909 per year, or about $159 per month.

  2. Nationwide: $1,987 per year, or about $166 per month.

  3. Erie: $1,998 per year, or about $166 per month.

  4. Progressive: $2,760 per year, or about $230 per month.

  5. Allstate: $3,316 per year, or about $276 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in West Virginia for 40-year-olds

Drivers in West Virginia with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Nationwide: $1,073 per year, or about $89 per month.

  2. Encompass: $1,152 per year, or about $96 per month.

  3. Erie: $1,239 per year, or about $103 per month.

  4. State Farm: $1,318 per year, or about $110 per month.

  5. Westfield: $1,516 per year, or about $126 per month.

Cheapest minimum coverage car insurance in West Virginia for 40-year-olds

Drivers in West Virginia who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Erie: $298 per year, or about $25 per month.

  2. Encompass: $337 per year, or about $28 per month.

  3. Westfield: $370 per year, or about $31 per month.

  4. State Farm: $387 per year, or about $32 per month.

  5. Nationwide: $436 per year, or about $36 per month.

Cheapest auto insurance in West Virginia for 40-year-olds with poor credit

Drivers with poor credit in West Virginia can check out the following insurers with the lowest average rates for full coverage:

  1. Nationwide: $1,447 per year, or about $121 per month.

  2. Encompass: $1,737 per year, or about $145 per month.

  3. Westfield: $2,157 per year, or about $180 per month.

  4. State Farm: $2,663 per year, or about $222 per month.

  5. Erie: $3,074 per year, or about $256 per month.

Cheapest auto insurance in West Virginia for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in West Virginia, here are the companies with the lowest average rates for full coverage:

  1. Erie: $1,533 per year, or about $128 per month.

  2. Nationwide: $1,610 per year, or about $134 per month.

  3. State Farm: $1,631 per year, or about $136 per month.

  4. Encompass: $1,664 per year, or about $139 per month.

  5. Westfield: $2,213 per year, or about $184 per month.

Cheapest auto insurance in West Virginia for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Erie: $1,860 per year, or about $155 per month.

  2. State Farm: $1,869 per year, or about $156 per month.

  3. Nationwide: $1,959 per year, or about $163 per month.

  4. Progressive: $2,555 per year, or about $213 per month.

  5. Allstate: $3,316 per year, or about $276 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of the best cheap car insurance companies is a good place to start.

Cheapest full coverage car insurance in West Virginia for 50-year-olds

Drivers in West Virginia with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Nationwide: $1,013 per year, or about $84 per month.

  2. Encompass: $1,048 per year, or about $87 per month.

  3. Erie: $1,178 per year, or about $98 per month.

  4. State Farm: $1,287 per year, or about $107 per month.

  5. Westfield: $1,391 per year, or about $116 per month.

Cheapest minimum coverage car insurance in West Virginia for 50-year-olds

Drivers in West Virginia who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Erie: $283 per year, or about $24 per month.

  2. Encompass: $327 per year, or about $27 per month.

  3. Westfield: $339 per year, or about $28 per month.

  4. State Farm: $384 per year, or about $32 per month.

  5. Nationwide: $420 per year, or about $35 per month.

Cheapest auto insurance in West Virginia for 50-year-olds with poor credit

Drivers with poor credit in West Virginia can check with the following companies, which showed the lowest average rates for full coverage:

  1. Nationwide: $1,364 per year, or about $114 per month.

  2. Encompass: $1,557 per year, or about $130 per month.

  3. Westfield: $1,981 per year, or about $165 per month.

  4. State Farm: $2,594 per year, or about $216 per month.

  5. Erie: $2,926 per year, or about $244 per month.

Cheapest auto insurance in West Virginia for 50-year-old drivers with one at-fault crash

For drivers living in West Virginia with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Erie: $1,455 per year, or about $121 per month.

  2. Encompass: $1,502 per year, or about $125 per month.

  3. Nationwide: $1,531 per year, or about $128 per month.

  4. State Farm: $1,594 per year, or about $133 per month.

  5. Westfield: $2,088 per year, or about $174 per month.

Cheapest auto insurance in West Virginia for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Erie: $1,762 per year, or about $147 per month.

  2. State Farm: $1,829 per year, or about $152 per month.

  3. Nationwide: $1,880 per year, or about $157 per month.

  4. Progressive: $2,403 per year, or about $200 per month.

  5. Allstate: $3,161 per year, or about $263 per month.

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in West Virginia for 60-year-olds

Drivers in West Virginia with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Nationwide: $953 per year, or about $79 per month.

  2. Encompass: $1,016 per year, or about $85 per month.

  3. Erie: $1,135 per year, or about $95 per month.

  4. State Farm: $1,220 per year, or about $102 per month.

  5. Westfield: $1,348 per year, or about $112 per month.

Cheapest minimum coverage car insurance in West Virginia for 60-year-olds

Drivers in West Virginia who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Erie: $272 per year, or about $23 per month.

  2. Encompass: $319 per year, or about $27 per month.

  3. Westfield: $329 per year, or about $27 per month.

  4. State Farm: $367 per year, or about $31 per month.

  5. Nationwide: $398 per year, or about $33 per month.

Cheapest auto insurance in West Virginia for 60-year-olds with poor credit

Drivers with poor credit in West Virginia can look at the following companies with the lowest average rates for full coverage:

  1. Nationwide: $1,280 per year, or about $107 per month.

  2. Encompass: $1,510 per year, or about $126 per month.

  3. Westfield: $1,921 per year, or about $160 per month.

  4. State Farm: $2,446 per year, or about $204 per month.

  5. Erie: $2,823 per year, or about $235 per month.

Cheapest auto insurance in West Virginia for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in West Virginia, here are the companies with the lowest average rates for full coverage:

  1. Erie: $1,408 per year, or about $117 per month.

  2. Nationwide: $1,452 per year, or about $121 per month.

  3. Encompass: $1,458 per year, or about $122 per month.

  4. State Farm: $1,510 per year, or about $126 per month.

  5. Westfield: $2,046 per year, or about $170 per month.

Cheapest auto insurance in West Virginia for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Erie: $1,710 per year, or about $142 per month.

  2. State Farm: $1,735 per year, or about $145 per month.

  3. Nationwide: $1,801 per year, or about $150 per month.

  4. Progressive: $2,352 per year, or about $196 per month.

  5. Allstate: $3,066 per year, or about $256 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for all 48 driver profiles we examined.

Minimum required auto insurance in West Virginia

West Virginia law requires that drivers carry motor vehicle liability insurance coverage. The state requires these minimum insurance coverages:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per accident.

  • $25,000 property damage liability per accident.

  • $25,000 uninsured motorist coverage per person.

  • $50,000 uninsured motorist coverage per accident.

  • $25,000 uninsured motorist property damage coverage.

However, it’s usually wise to get more than the legal minimum when it comes to car insurance. Causing an accident could easily result in injury or repair bills higher than the amounts listed above.

NerdWallet’s guide to state car insurance requirements has more details on coverage options and limits you might want for your West Virginia car insurance policy.

Alternative car insurance in West Virginia

High-risk drivers in West Virginia who are unable to buy car insurance on the standard market may qualify for coverage through the West Virginia Automobile Insurance Plan. Because these drivers tend to be in more accidents and make more claims, they will pay significantly higher rates.

For help finding the cheapest car insurance in West Virginia, use NerdWallet’s car insurance comparison tool to see estimates side by side.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following 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 coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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