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Best Cheap Car Insurance in West Virginia for 2017

July 21, 2017
Auto Insurance, Insurance
Cheapest Car Insurance in West Virginia
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We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.

If you’re looking for cheap car insurance in West Virginia, you probably already know finding the best deal can be a challenge. Insurance costs vary depending on your age and gender, where you live, your driving record and other factors. And costs can vary greatly from one company to the next, which is why shopping for the best deal is worth your time.

To help you find the cheapest car insurance in West Virginia, NerdWallet researched rates from the eight largest insurers in the state and found the three cheapest options for several types of drivers:

Good drivers

Young drivers

Drivers with poor credit

Drivers with one at-fault accident

Retired drivers

Also in this article

Minimum insurance requirements for West Virginia

Alternative car insurance for high-risk drivers

» FIND YOUR MATCH: Who’s the cheapest carrier for you?

Cheapest for good drivers

For drivers with no at-fault accidents, DUIs or moving violations.


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  • $710/year

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  • $1,079/year

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  • $1,126/year

For good drivers in West Virginia, regional insurer Erie was the cheapest option we uncovered in our analysis. Sweetening the deal, Erie also ranks highest for customer satisfaction in J.D. Power’s 2017 U.S. Insurance Shopping Study. Industry titans State Farm and Geico ranked second and third for price, but with rates more than 50% higher than Erie’s.

If you have no moving violations, accidents or claims, no matter what insurer you choose, ask for safe-driver discounts to make sure you’re saving as much as possible.

Cheapest for young drivers

For drivers in their early 20s.


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PRICE

  • $421/year

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  • $573/year

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  • $651/year

Typically young drivers don’t have as much to lose in an accident-related lawsuit as older drivers and can therefore buy cheaper, leaner policies.

For West Virginia drivers in their early 20s carrying the minimum state-mandated coverage limits, Erie and Geico were the two cheapest options in our analysis. Geico in particular offers a wide number of affinity discounts that families may be able to use, and all three of the cheapest carriers offer optional roadside assistance coverage.

Cheapest for drivers with poor credit

For drivers placed in the “poor credit” tier.


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  • $1,643/year

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  • $1,697/year

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  • $1,788/year

Insurers in West Virginia can use your credit-based insurance score to help predict how likely you are to file claims in the future. Drivers with poor credit faced significantly higher premiums in our analysis. Nationwide offered the best rate, averaging just shy of $137 per month, according to our research. Westfield and Geico weren’t far behind.

Cheapest for drivers with one at-fault accident


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  • $865/year

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  • $1,278/year

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  • $1,789/year

Causing an accident often means paying more for car insurance in West Virginia, either when you renew your current policy or if you shop around. In our analysis Erie offered a rate more than $400 per year cheaper than State Farm — which, in turn, was more than $500 cheaper than Westfield. Erie wins high marks for customer satisfaction as well, making it a generally worthwhile consideration for all drivers.

Cheapest for retired drivers

For drivers in their mid- to late 60s who no longer use their car for commuting.


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PRICE

  • $530/year

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  • $838/year

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  • $907/year

 

Retirees tend to log fewer miles than commuters, which works in their favor when it comes to finding cheap car insurance in West Virginia.

We looked at rates for drivers in their 60s who put half as many miles on the odometer as other groups. The lowest average rate we found was $530 from Erie, significantly less than the cheapest rate available for drivers half that age who have a daily commute. If you’re over age 55, ask your insurer about earning a discount by completing a mature-driver improvement course.

Minimum car insurance requirements 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.

Here’s a summary of where you’ll find the cheapest insurance, by category:

Cheapest car insurance in West Virginia 2017

CategoryCheapest option
Good driversErie
Young driversErie
Drivers with poor creditNationwide
Drivers with one at-fault accidentErie
Retired driversErie

For most categories, NerdWallet averaged rates from the largest insurers for 30-year-old men and women in 10 ZIP codes and with the following coverage limits:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per crash
  • $50,000 property damage liability coverage per crash
  • $100,000 uninsured motorist bodily injury coverage per person
  • $300,000 uninsured motorist bodily injury coverage per crash
  • Collision coverage with $1,000 deductible
  • Comprehensive coverage with $1,000 deductible
  • We used a 2013 Toyota Camry in all cases. Our sample retired driver was age 67 and drove 50% fewer annual miles than other groups. Our sample young driver was age 22 and carried the minimum required coverage. These are sample rates generated through Quadrant Information Services. Your own rates will be different.

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