Cheap Car Insurance in West Virginia for 2023

Erie offers the cheapest car insurance in West Virginia, with an average monthly rate of $116 for full coverage.
Ben Moore
By Ben Moore  
Updated

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Table of Contents

Table of Contents

Auto insurance is an important purchase, but finding cheap car insurance in West Virginia isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in West Virginia is Erie at $1,398 per year on average, or $116 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in West Virginia. Meanwhile, the average cost of full coverage car insurance in West Virginia is $2,075 per year, or about $173 per month.

Minimum coverage in West Virginia is $616 per year on average, but we found you can likely get a cheaper policy. For example, Westfield offers the cheapest rates in West Virginia at $319 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

How we chose the cheapest companies in West Virginia

NerdWallet’s editorial team analyzed car insurance rates from 12 auto insurers in West Virginia and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 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.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in West Virginia where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best 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. Geico: $2,039 per year, or about $170 per month.
  2. Erie: $2,721 per year, or about $227 per month.
  3. State Farm: $2,808 per year, or about $234 per month.
  4. Encompass: $2,829 per year, or about $236 per month.
  5. Westfield: $4,649 per year, or about $387 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: $691 per year, or about $58 per month.
  2. State Farm: $856 per year, or about $71 per month.
  3. Encompass: $962 per year, or about $80 per month.
  4. Geico: $1,006 per year, or about $84 per month.
  5. Westfield: $1,063 per year, or about $89 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. Geico: $1,351 per year, or about $113 per month.
  2. Westfield: $1,430 per year, or about $119 per month.
  3. Encompass: $1,443 per year, or about $120 per month.
  4. Erie: $1,480 per year, or about $123 per month.
  5. Nationwide: $1,688 per year, or about $141 per month.

Cheapest auto insurance in West Virginia for 20-year-old drivers with one speeding ticket

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

  1. Erie: $754 per year, or about $63 per month.
  2. State Farm: $981 per year, or about $82 per month.
  3. Westfield: $1,063 per year, or about $89 per month.
  4. Geico: $1,138 per year, or about $95 per month.
  5. Encompass: $1,280 per year, or about $107 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: $864 per year, or about $72 per month.
  2. State Farm: $1,103 per year, or about $92 per month.
  3. Geico: $1,152 per year, or about $96 per month.
  4. Westfield: $1,268 per year, or about $106 per month.
  5. Encompass: $1,349 per year, or about $112 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: $1,024 per year, or about $85 per month.
  2. Geico: $1,244 per year, or about $104 per month.
  3. State Farm: $1,326 per year, or about $110 per month.
  4. Nationwide: $1,636 per year, or about $136 per month.
  5. Westfield: $1,677 per year, or about $140 per month.

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

  1. Encompass: $1,435 per year, or about $120 per month.
  2. State Farm: $1,452 per year, or about $121 per month.
  3. Westfield: $1,470 per year, or about $123 per month.
  4. Erie: $1,480 per year, or about $123 per month.
  5. Geico: $1,499 per year, or about $125 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. Westfield: $319 per year, or about $27 per month.
  2. Erie: $372 per year, or about $31 per month.
  3. State Farm: $383 per year, or about $32 per month.
  4. Encompass: $428 per year, or about $36 per month.
  5. Nationwide: $497 per year, or about $41 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. Westfield: $2,097 per year, or about $175 per month.
  2. Encompass: $2,199 per year, or about $183 per month.
  3. Geico: $2,499 per year, or about $208 per month.
  4. Nationwide: $2,711 per year, or about $226 per month.
  5. State Farm: $2,952 per year, or about $246 per month.

Cheapest auto insurance in West Virginia for 30-year-old drivers with one speeding ticket

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

  1. Westfield: $319 per year, or about $27 per month.
  2. Erie: $386 per year, or about $32 per month.
  3. State Farm: $437 per year, or about $36 per month.
  4. Encompass: $556 per year, or about $46 per month.
  5. Nationwide: $630 per year, or about $53 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. State Farm: $1,787 per year, or about $149 per month.
  2. Erie: $1,874 per year, or about $156 per month.
  3. Geico: $2,089 per year, or about $174 per month.
  4. Encompass: $2,108 per year, or about $176 per month.
  5. Westfield: $2,173 per year, or about $181 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: $2,053 per year, or about $171 per month.
  2. Geico: $2,119 per year, or about $177 per month.
  3. Erie: $2,312 per year, or about $193 per month.
  4. Progressive: $3,280 per year, or about $273 per month.
  5. Westfield: $3,578 per year, or about $298 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. Erie: $1,357 per year, or about $113 per month.
  2. State Farm: $1,409 per year, or about $117 per month.
  3. Geico: $1,422 per year, or about $118 per month.
  4. Encompass: $1,435 per year, or about $120 per month.
  5. Westfield: $1,456 per year, or about $121 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. Westfield: $316 per year, or about $26 per month.
  2. Erie: $340 per year, or about $28 per month.
  3. State Farm: $387 per year, or about $32 per month.
  4. Encompass: $428 per year, or about $36 per month.
  5. Nationwide: $489 per year, or about $41 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. Westfield: $2,078 per year, or about $173 per month.
  2. Encompass: $2,199 per year, or about $183 per month.
  3. Geico: $2,389 per year, or about $199 per month.
  4. Nationwide: $2,639 per year, or about $220 per month.
  5. State Farm: $2,860 per year, or about $238 per month.

Cheapest auto insurance in West Virginia for 40-year-old drivers with one speeding ticket

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

  1. Westfield: $316 per year, or about $26 per month.
  2. Erie: $353 per year, or about $29 per month.
  3. State Farm: $442 per year, or about $37 per month.
  4. Encompass: $556 per year, or about $46 per month.
  5. Nationwide: $622 per year, or about $52 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: $1,711 per year, or about $143 per month.
  2. State Farm: $1,736 per year, or about $145 per month.
  3. Geico: $2,027 per year, or about $169 per month.
  4. Encompass: $2,108 per year, or about $176 per month.
  5. Westfield: $2,159 per year, or about $180 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. State Farm: $1,992 per year, or about $166 per month.
  2. Geico: $2,061 per year, or about $172 per month.
  3. Erie: $2,104 per year, or about $175 per month.
  4. Progressive: $3,029 per year, or about $252 per month.
  5. Westfield: $3,564 per year, or about $297 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 cheap auto 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. Erie: $1,263 per year, or about $105 per month.
  2. Encompass: $1,299 per year, or about $108 per month.
  3. Westfield: $1,329 per year, or about $111 per month.
  4. State Farm: $1,366 per year, or about $114 per month.
  5. Geico: $1,405 per year, or about $117 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. Westfield: $289 per year, or about $24 per month.
  2. Erie: $316 per year, or about $26 per month.
  3. State Farm: $383 per year, or about $32 per month.
  4. Encompass: $415 per year, or about $35 per month.
  5. Nationwide: $464 per year, or about $39 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. Westfield: $1,899 per year, or about $158 per month.
  2. Encompass: $1,967 per year, or about $164 per month.
  3. Geico: $2,369 per year, or about $197 per month.
  4. Nationwide: $2,445 per year, or about $204 per month.
  5. State Farm: $2,763 per year, or about $230 per month.

Cheapest auto insurance in West Virginia for 50-year-old drivers with one speeding ticket

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

  1. Westfield: $289 per year, or about $24 per month.
  2. Erie: $328 per year, or about $27 per month.
  3. State Farm: $436 per year, or about $36 per month.
  4. Encompass: $539 per year, or about $45 per month.
  5. Nationwide: $594 per year, or about $49 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: $1,587 per year, or about $132 per month.
  2. State Farm: $1,684 per year, or about $140 per month.
  3. Encompass: $1,898 per year, or about $158 per month.
  4. Geico: $2,014 per year, or about $168 per month.
  5. Westfield: $2,032 per year, or about $169 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. State Farm: $1,934 per year, or about $161 per month.
  2. Erie: $1,946 per year, or about $162 per month.
  3. Geico: $2,081 per year, or about $173 per month.
  4. Progressive: $2,849 per year, or about $237 per month.
  5. Westfield: $3,438 per year, or about $286 per month.

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 car 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. Erie: $1,210 per year, or about $101 per month.
  2. Encompass: $1,258 per year, or about $105 per month.
  3. State Farm: $1,276 per year, or about $106 per month.
  4. Westfield: $1,287 per year, or about $107 per month.
  5. Geico: $1,362 per year, or about $114 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. Westfield: $280 per year, or about $23 per month.
  2. Erie: $302 per year, or about $25 per month.
  3. State Farm: $357 per year, or about $30 per month.
  4. Encompass: $405 per year, or about $34 per month.
  5. Nationwide: $432 per year, or about $36 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. Westfield: $1,839 per year, or about $153 per month.
  2. Encompass: $1,909 per year, or about $159 per month.
  3. Nationwide: $2,246 per year, or about $187 per month.
  4. Geico: $2,292 per year, or about $191 per month.
  5. State Farm: $2,560 per year, or about $213 per month.

Cheapest auto insurance in West Virginia for 60-year-old drivers with one speeding ticket

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

  1. Westfield: $280 per year, or about $23 per month.
  2. Erie: $313 per year, or about $26 per month.
  3. State Farm: $407 per year, or about $34 per month.
  4. Encompass: $526 per year, or about $44 per month.
  5. Nationwide: $561 per year, or about $47 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: $1,520 per year, or about $127 per month.
  2. State Farm: $1,571 per year, or about $131 per month.
  3. Encompass: $1,842 per year, or about $153 per month.
  4. Geico: $1,956 per year, or about $163 per month.
  5. Westfield: $1,990 per year, or about $166 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. State Farm: $1,804 per year, or about $150 per month.
  2. Erie: $1,864 per year, or about $155 per month.
  3. Geico: $2,097 per year, or about $175 per month.
  4. Progressive: $2,792 per year, or about $233 per month.
  5. Westfield: $3,395 per year, or about $283 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in West Virginia for 70-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. Encompass: $1,257 per year, or about $105 per month.
  2. State Farm: $1,329 per year, or about $111 per month.
  3. Erie: $1,349 per year, or about $112 per month.
  4. Geico: $1,396 per year, or about $116 per month.
  5. Westfield: $1,428 per year, or about $119 per month.

Cheapest minimum coverage car insurance in West Virginia for 70-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. Westfield: $310 per year, or about $26 per month.
  2. Erie: $338 per year, or about $28 per month.
  3. State Farm: $382 per year, or about $32 per month.
  4. Encompass: $401 per year, or about $33 per month.
  5. Nationwide: $519 per year, or about $43 per month.

Cheapest auto insurance in West Virginia for 70-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. Encompass: $1,909 per year, or about $159 per month.
  2. Westfield: $2,038 per year, or about $170 per month.
  3. Geico: $2,347 per year, or about $196 per month.
  4. Nationwide: $2,590 per year, or about $216 per month.
  5. State Farm: $2,679 per year, or about $223 per month.

Cheapest auto insurance in West Virginia for 70-year-old drivers with one speeding ticket

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

  1. Westfield: $310 per year, or about $26 per month.
  2. Erie: $351 per year, or about $29 per month.
  3. State Farm: $436 per year, or about $36 per month.
  4. Encompass: $521 per year, or about $43 per month.
  5. Nationwide: $655 per year, or about $55 per month.

Cheapest auto insurance in West Virginia for 70-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. State Farm: $1,643 per year, or about $137 per month.
  2. Erie: $1,705 per year, or about $142 per month.
  3. Encompass: $1,841 per year, or about $153 per month.
  4. Geico: $2,022 per year, or about $169 per month.
  5. Westfield: $2,131 per year, or about $178 per month.

Cheapest auto insurance in West Virginia for 70-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. State Farm: $1,895 per year, or about $158 per month.
  2. Erie: $2,099 per year, or about $175 per month.
  3. Geico: $2,274 per year, or about $189 per month.
  4. Progressive: $3,278 per year, or about $273 per month.
  5. Westfield: $3,536 per year, or about $295 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 69 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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 2020 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

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. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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