Cheap Car Insurance in West Virginia for May 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 Geico at $1,292 per year on average, or $108 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 $1,693 per year, or about $141 per month.

🤓Nerdy Tip

Did your rates go up? Auto insurance prices are on the rise in West Virginia. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

Minimum coverage in West Virginia is $476 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 $324 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 2021 Toyota Camry LE. 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: $2,394 per year, or about $200 per month.
  2. Erie: $2,869 per year, or about $239 per month.
  3. Encompass: $3,017 per year, or about $251 per month.
  4. Encova: $3,443 per year, or about $287 per month.
  5. Westfield: $3,781 per year, or about $315 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: $688 per year, or about $57 per month.
  2. Geico: $697 per year, or about $58 per month.
  3. Westfield: $797 per year, or about $66 per month.
  4. Encompass: $941 per year, or about $78 per month.
  5. State Farm: $1,286 per year, or about $107 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: $880 per year, or about $73 per month.
  2. Westfield: $1,074 per year, or about $90 per month.
  3. Encompass: $1,400 per year, or about $117 per month.
  4. Erie: $1,467 per year, or about $122 per month.
  5. Nationwide: $2,003 per year, or about $167 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: $752 per year, or about $63 per month.
  2. Westfield: $797 per year, or about $66 per month.
  3. Geico: $868 per year, or about $72 per month.
  4. Encompass: $1,238 per year, or about $103 per month.
  5. Encova: $1,432 per year, or about $119 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: $868 per year, or about $72 per month.
  2. Geico: $905 per year, or about $75 per month.
  3. Westfield: $966 per year, or about $81 per month.
  4. Encompass: $1,302 per year, or about $109 per month.
  5. Encova: $1,380 per year, or about $115 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: $1,036 per year, or about $86 per month.
  2. Westfield: $1,289 per year, or about $107 per month.
  3. Geico: $1,375 per year, or about $115 per month.
  4. Progressive: $1,596 per year, or about $133 per month.
  5. State Farm: $1,925 per year, or about $160 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. Geico: $1,303 per year, or about $109 per month.
  2. Encova: $1,408 per year, or about $117 per month.
  3. Westfield: $1,550 per year, or about $129 per month.
  4. Encompass: $1,645 per year, or about $137 per month.
  5. Nationwide: $1,755 per year, or about $146 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: $324 per year, or about $27 per month.
  2. Geico: $427 per year, or about $36 per month.
  3. Encompass: $437 per year, or about $36 per month.
  4. Erie: $503 per year, or about $42 per month.
  5. Encova: $544 per year, or about $45 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. Geico: $1,867 per year, or about $156 per month.
  2. Westfield: $2,204 per year, or about $184 per month.
  3. Nationwide: $2,357 per year, or about $196 per month.
  4. Encova: $2,395 per year, or about $200 per month.
  5. Encompass: $2,443 per year, or about $204 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: $324 per year, or about $27 per month.
  2. Erie: $523 per year, or about $44 per month.
  3. Geico: $548 per year, or about $46 per month.
  4. Encompass: $558 per year, or about $47 per month.
  5. Encova: $612 per year, or about $51 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: $1,408 per year, or about $117 per month.
  2. Geico: $2,216 per year, or about $185 per month.
  3. Westfield: $2,281 per year, or about $190 per month.
  4. Encompass: $2,334 per year, or about $195 per month.
  5. Erie: $2,459 per year, or about $205 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. Geico: $2,646 per year, or about $220 per month.
  2. Erie: $2,886 per year, or about $241 per month.
  3. Progressive: $3,096 per year, or about $258 per month.
  4. State Farm: $3,192 per year, or about $266 per month.
  5. Encova: $3,423 per year, or about $285 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. Geico: $1,286 per year, or about $107 per month.
  2. Encova: $1,408 per year, or about $117 per month.
  3. Westfield: $1,535 per year, or about $128 per month.
  4. Encompass: $1,645 per year, or about $137 per month.
  5. Nationwide: $1,696 per year, or about $141 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: $321 per year, or about $27 per month.
  2. Geico: $415 per year, or about $35 per month.
  3. Encompass: $437 per year, or about $36 per month.
  4. Erie: $461 per year, or about $38 per month.
  5. Encova: $544 per year, or about $45 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. Geico: $1,831 per year, or about $153 per month.
  2. Westfield: $2,183 per year, or about $182 per month.
  3. Nationwide: $2,277 per year, or about $190 per month.
  4. Encova: $2,395 per year, or about $200 per month.
  5. Encompass: $2,443 per year, or about $204 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: $321 per year, or about $27 per month.
  2. Erie: $479 per year, or about $40 per month.
  3. Geico: $547 per year, or about $46 per month.
  4. Encompass: $558 per year, or about $47 per month.
  5. Encova: $612 per year, or about $51 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: $1,408 per year, or about $117 per month.
  2. Geico: $2,176 per year, or about $181 per month.
  3. Erie: $2,201 per year, or about $183 per month.
  4. Westfield: $2,269 per year, or about $189 per month.
  5. Encompass: $2,334 per year, or about $195 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. Geico: $2,588 per year, or about $216 per month.
  2. Erie: $2,626 per year, or about $219 per month.
  3. Progressive: $2,845 per year, or about $237 per month.
  4. State Farm: $3,074 per year, or about $256 per month.
  5. Nationwide: $3,401 per year, or about $283 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. Geico: $1,330 per year, or about $111 per month.
  2. Westfield: $1,403 per year, or about $117 per month.
  3. Encova: $1,435 per year, or about $120 per month.
  4. Encompass: $1,495 per year, or about $125 per month.
  5. Nationwide: $1,606 per year, or about $134 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: $292 per year, or about $24 per month.
  2. Geico: $409 per year, or about $34 per month.
  3. Encompass: $424 per year, or about $35 per month.
  4. Erie: $426 per year, or about $36 per month.
  5. Nationwide: $540 per year, or about $45 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. Geico: $1,795 per year, or about $150 per month.
  2. Westfield: $1,998 per year, or about $167 per month.
  3. Nationwide: $2,157 per year, or about $180 per month.
  4. Encompass: $2,190 per year, or about $183 per month.
  5. Encova: $2,447 per year, or about $204 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: $292 per year, or about $24 per month.
  2. Erie: $443 per year, or about $37 per month.
  3. Encompass: $541 per year, or about $45 per month.
  4. Geico: $561 per year, or about $47 per month.
  5. Encova: $622 per year, or about $52 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: $1,435 per year, or about $120 per month.
  2. Erie: $2,013 per year, or about $168 per month.
  3. Encompass: $2,111 per year, or about $176 per month.
  4. Westfield: $2,135 per year, or about $178 per month.
  5. Geico: $2,237 per year, or about $186 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: $2,399 per year, or about $200 per month.
  2. Geico: $2,565 per year, or about $214 per month.
  3. Progressive: $2,661 per year, or about $222 per month.
  4. State Farm: $2,950 per year, or about $246 per month.
  5. Nationwide: $3,290 per year, or about $274 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. Geico: $1,301 per year, or about $108 per month.
  2. Westfield: $1,361 per year, or about $113 per month.
  3. Encompass: $1,433 per year, or about $119 per month.
  4. Nationwide: $1,460 per year, or about $122 per month.
  5. Encova: $1,478 per year, or about $123 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: $283 per year, or about $24 per month.
  2. Erie: $406 per year, or about $34 per month.
  3. Geico: $408 per year, or about $34 per month.
  4. Encompass: $415 per year, or about $35 per month.
  5. Nationwide: $504 per year, or about $42 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. Geico: $1,795 per year, or about $150 per month.
  2. Westfield: $1,938 per year, or about $162 per month.
  3. Nationwide: $1,960 per year, or about $163 per month.
  4. Encompass: $2,103 per year, or about $175 per month.
  5. Encova: $2,523 per year, or about $210 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: $283 per year, or about $24 per month.
  2. Erie: $421 per year, or about $35 per month.
  3. Encompass: $526 per year, or about $44 per month.
  4. Geico: $554 per year, or about $46 per month.
  5. State Farm: $581 per year, or about $48 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: $1,478 per year, or about $123 per month.
  2. Erie: $1,974 per year, or about $164 per month.
  3. Encompass: $2,009 per year, or about $167 per month.
  4. Westfield: $2,091 per year, or about $174 per month.
  5. Geico: $2,143 per year, or about $179 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: $2,308 per year, or about $192 per month.
  2. Geico: $2,463 per year, or about $205 per month.
  3. Progressive: $2,602 per year, or about $217 per month.
  4. State Farm: $2,729 per year, or about $227 per month.
  5. Nationwide: $3,097 per year, or about $258 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: $1,417 per year, or about $118 per month.
  2. Geico: $1,434 per year, or about $120 per month.
  3. Westfield: $1,507 per year, or about $126 per month.
  4. Encova: $1,575 per year, or about $131 per month.
  5. Nationwide: $1,686 per year, or about $141 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: $315 per year, or about $26 per month.
  2. Encompass: $411 per year, or about $34 per month.
  3. Geico: $445 per year, or about $37 per month.
  4. Erie: $455 per year, or about $38 per month.
  5. State Farm: $550 per year, or about $46 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. Geico: $2,056 per year, or about $171 per month.
  2. Encompass: $2,102 per year, or about $175 per month.
  3. Westfield: $2,143 per year, or about $179 per month.
  4. Nationwide: $2,411 per year, or about $201 per month.
  5. Encova: $2,704 per year, or about $225 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: $315 per year, or about $26 per month.
  2. Erie: $473 per year, or about $39 per month.
  3. Encompass: $523 per year, or about $44 per month.
  4. State Farm: $622 per year, or about $52 per month.
  5. Geico: $632 per year, or about $53 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: $1,575 per year, or about $131 per month.
  2. Encompass: $2,004 per year, or about $167 per month.
  3. Erie: $2,219 per year, or about $185 per month.
  4. Westfield: $2,238 per year, or about $187 per month.
  5. Geico: $2,422 per year, or about $202 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. Erie: $2,602 per year, or about $217 per month.
  2. Geico: $2,730 per year, or about $228 per month.
  3. State Farm: $2,875 per year, or about $240 per month.
  4. Progressive: $2,995 per year, or about $250 per month.
  5. Nationwide: $3,406 per year, or about $284 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 64 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 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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