Cheap Car Insurance in West Virginia for April 2024

Encova offers the cheapest car insurance in West Virginia, with an average annual rate of $1,578 for full coverage.
Ben Moore
By Ben Moore 
Updated

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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 Encova at $1,578 per year on average, or $132 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 $2,036 per year, or about $170 per month.

Minimum coverage in West Virginia is $580 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 $415 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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How we chose the cheapest companies in West Virginia

NerdWallet’s editorial team analyzed car insurance rates from 10 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. Erie: $3,277 per year, or about $273 per month.
  2. Encompass: $3,328 per year, or about $277 per month.
  3. Encova: $3,862 per year, or about $322 per month.
  4. Geico: $3,914 per year, or about $326 per month.
  5. Westfield: $4,182 per year, or about $349 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: $840 per year, or about $70 per month.
  2. Westfield: $1,025 per year, or about $85 per month.
  3. Encompass: $1,082 per year, or about $90 per month.
  4. Geico: $1,145 per year, or about $95 per month.
  5. State Farm: $1,364 per year, or about $114 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. Westfield: $1,380 per year, or about $115 per month.
  2. Geico: $1,466 per year, or about $122 per month.
  3. Encompass: $1,617 per year, or about $135 per month.
  4. Erie: $1,783 per year, or about $149 per month.
  5. Nationwide: $2,113 per year, or about $176 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: $916 per year, or about $76 per month.
  2. Westfield: $1,025 per year, or about $85 per month.
  3. Encompass: $1,435 per year, or about $120 per month.
  4. Geico: $1,515 per year, or about $126 per month.
  5. State Farm: $1,559 per year, or about $130 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: $1,061 per year, or about $88 per month.
  2. Westfield: $1,250 per year, or about $104 per month.
  3. Encompass: $1,510 per year, or about $126 per month.
  4. Geico: $1,573 per year, or about $131 per month.
  5. Encova: $1,590 per year, or about $133 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: $1,266 per year, or about $106 per month.
  2. Westfield: $1,668 per year, or about $139 per month.
  3. State Farm: $2,072 per year, or about $173 per month.
  4. Nationwide: $2,148 per year, or about $179 per month.
  5. Allstate: $2,307 per year, or about $192 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. Encova: $1,578 per year, or about $132 per month.
  2. Westfield: $1,738 per year, or about $145 per month.
  3. Encompass: $1,767 per year, or about $147 per month.
  4. Nationwide: $2,138 per year, or about $178 per month.
  5. Geico: $2,176 per year, or about $181 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: $415 per year, or about $35 per month.
  2. Encompass: $488 per year, or about $41 per month.
  3. State Farm: $573 per year, or about $48 per month.
  4. Erie: $611 per year, or about $51 per month.
  5. Encova: $624 per year, or about $52 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: $2,461 per year, or about $205 per month.
  2. Encompass: $2,665 per year, or about $222 per month.
  3. Encova: $2,692 per year, or about $224 per month.
  4. Nationwide: $2,877 per year, or about $240 per month.
  5. Geico: $3,276 per year, or about $273 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: $415 per year, or about $35 per month.
  2. Encompass: $631 per year, or about $53 per month.
  3. Erie: $635 per year, or about $53 per month.
  4. State Farm: $653 per year, or about $54 per month.
  5. Encova: $703 per year, or about $59 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. Encova: $1,579 per year, or about $132 per month.
  2. Encompass: $2,552 per year, or about $213 per month.
  3. Westfield: $2,566 per year, or about $214 per month.
  4. State Farm: $2,681 per year, or about $223 per month.
  5. Erie: $2,834 per year, or about $236 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: $3,082 per year, or about $257 per month.
  2. Progressive: $3,289 per year, or about $274 per month.
  3. Erie: $3,339 per year, or about $278 per month.
  4. Encova: $3,848 per year, or about $321 per month.
  5. Nationwide: $4,079 per year, or about $340 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. Encova: $1,578 per year, or about $132 per month.
  2. Westfield: $1,721 per year, or about $143 per month.
  3. Encompass: $1,767 per year, or about $147 per month.
  4. Nationwide: $2,066 per year, or about $172 per month.
  5. Geico: $2,099 per year, or about $175 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: $410 per year, or about $34 per month.
  2. Encompass: $488 per year, or about $41 per month.
  3. Erie: $556 per year, or about $46 per month.
  4. State Farm: $579 per year, or about $48 per month.
  5. Encova: $624 per year, or about $52 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: $2,435 per year, or about $203 per month.
  2. Encompass: $2,665 per year, or about $222 per month.
  3. Encova: $2,692 per year, or about $224 per month.
  4. Nationwide: $2,785 per year, or about $232 per month.
  5. Geico: $3,205 per year, or about $267 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: $410 per year, or about $34 per month.
  2. Erie: $578 per year, or about $48 per month.
  3. Encompass: $631 per year, or about $53 per month.
  4. State Farm: $660 per year, or about $55 per month.
  5. Encova: $703 per year, or about $59 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. Encova: $1,578 per year, or about $132 per month.
  2. Westfield: $2,549 per year, or about $212 per month.
  3. Encompass: $2,552 per year, or about $213 per month.
  4. Erie: $2,578 per year, or about $215 per month.
  5. State Farm: $2,604 per year, or about $217 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: $2,976 per year, or about $248 per month.
  2. Progressive: $3,039 per year, or about $253 per month.
  3. Erie: $3,051 per year, or about $254 per month.
  4. Encova: $3,848 per year, or about $321 per month.
  5. Nationwide: $4,022 per year, or about $335 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. Westfield: $1,571 per year, or about $131 per month.
  2. Encompass: $1,595 per year, or about $133 per month.
  3. Encova: $1,610 per year, or about $134 per month.
  4. Erie: $1,937 per year, or about $161 per month.
  5. Nationwide: $1,947 per year, or about $162 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: $373 per year, or about $31 per month.
  2. Encompass: $474 per year, or about $40 per month.
  3. Erie: $517 per year, or about $43 per month.
  4. State Farm: $572 per year, or about $48 per month.
  5. Nationwide: $604 per year, or about $50 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: $2,228 per year, or about $186 per month.
  2. Encompass: $2,392 per year, or about $199 per month.
  3. Nationwide: $2,619 per year, or about $218 per month.
  4. Encova: $2,749 per year, or about $229 per month.
  5. Geico: $3,113 per year, or about $259 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: $373 per year, or about $31 per month.
  2. Erie: $536 per year, or about $45 per month.
  3. Encompass: $612 per year, or about $51 per month.
  4. State Farm: $652 per year, or about $54 per month.
  5. Encova: $716 per year, or about $60 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. Encova: $1,610 per year, or about $134 per month.
  2. Encompass: $2,296 per year, or about $191 per month.
  3. Erie: $2,356 per year, or about $196 per month.
  4. Westfield: $2,399 per year, or about $200 per month.
  5. State Farm: $2,525 per year, or about $210 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: $2,785 per year, or about $232 per month.
  2. Progressive: $2,851 per year, or about $238 per month.
  3. State Farm: $2,870 per year, or about $239 per month.
  4. Nationwide: $3,849 per year, or about $321 per month.
  5. Encova: $3,879 per year, or about $323 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. Westfield: $1,523 per year, or about $127 per month.
  2. Encompass: $1,526 per year, or about $127 per month.
  3. Encova: $1,656 per year, or about $138 per month.
  4. Nationwide: $1,678 per year, or about $140 per month.
  5. State Farm: $1,892 per year, or about $158 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: $363 per year, or about $30 per month.
  2. Encompass: $463 per year, or about $39 per month.
  3. Erie: $492 per year, or about $41 per month.
  4. Nationwide: $529 per year, or about $44 per month.
  5. State Farm: $533 per year, or about $44 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: $2,160 per year, or about $180 per month.
  2. Encompass: $2,285 per year, or about $190 per month.
  3. Nationwide: $2,385 per year, or about $199 per month.
  4. Encova: $2,836 per year, or about $236 per month.
  5. Geico: $3,061 per year, or about $255 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: $363 per year, or about $30 per month.
  2. Erie: $511 per year, or about $43 per month.
  3. Encompass: $597 per year, or about $50 per month.
  4. State Farm: $607 per year, or about $51 per month.
  5. Nationwide: $706 per year, or about $59 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. Encova: $1,656 per year, or about $138 per month.
  2. Encompass: $2,187 per year, or about $182 per month.
  3. Erie: $2,270 per year, or about $189 per month.
  4. State Farm: $2,346 per year, or about $195 per month.
  5. Westfield: $2,351 per year, or about $196 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: $2,661 per year, or about $222 per month.
  2. Erie: $2,668 per year, or about $222 per month.
  3. Progressive: $2,795 per year, or about $233 per month.
  4. Nationwide: $3,667 per year, or about $306 per month.
  5. Encova: $3,926 per year, or about $327 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: $1,514 per year, or about $126 per month.
  2. Westfield: $1,688 per year, or about $141 per month.
  3. Encova: $1,767 per year, or about $147 per month.
  4. State Farm: $1,975 per year, or about $165 per month.
  5. Nationwide: $2,065 per year, or about $172 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: $403 per year, or about $34 per month.
  2. Encompass: $458 per year, or about $38 per month.
  3. Erie: $553 per year, or about $46 per month.
  4. State Farm: $571 per year, or about $48 per month.
  5. Nationwide: $687 per year, or about $57 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: $2,282 per year, or about $190 per month.
  2. Westfield: $2,390 per year, or about $199 per month.
  3. Nationwide: $2,780 per year, or about $232 per month.
  4. Encova: $3,038 per year, or about $253 per month.
  5. Geico: $3,495 per year, or about $291 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: $403 per year, or about $34 per month.
  2. Erie: $574 per year, or about $48 per month.
  3. Encompass: $588 per year, or about $49 per month.
  4. State Farm: $652 per year, or about $54 per month.
  5. Encova: $778 per year, or about $65 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. Encova: $1,767 per year, or about $147 per month.
  2. Encompass: $2,183 per year, or about $182 per month.
  3. State Farm: $2,440 per year, or about $203 per month.
  4. Westfield: $2,515 per year, or about $210 per month.
  5. Erie: $2,556 per year, or about $213 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: $2,806 per year, or about $234 per month.
  2. Erie: $3,011 per year, or about $251 per month.
  3. Progressive: $3,265 per year, or about $272 per month.
  4. Nationwide: $3,999 per year, or about $333 per month.
  5. Encova: $4,036 per year, or about $336 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 three auto insurance options for 58 of the 70 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 2021 Toyota Camry LE 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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