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Best Cheap Car Insurance in West Virginia for 2021

May 26, 2021
Auto Insurance, Insurance
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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 14 insurers in the state and found the five cheapest options for several driver types.


Cheapest for 20-year-old drivers in West Virginia

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 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. Nationwide: $2,155 per year.
  2. Erie: $2,616 per year.
  3. State Farm: $2,625 per year.
  4. Encompass: $2,807 per year.
  5. MetLife: $3,898 per year.

Cheapest minimum coverage 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. Nationwide: $783 per year.
  2. Erie: $840 per year.
  3. Encompass: $869 per year.
  4. State Farm: $903 per year.
  5. Westfield: $1,110 per year.

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

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

  1. Nationwide: $1,016 per year.
  2. Encompass: $1,148 per year.
  3. Allstate: $1,431 per year.
  4. Westfield: $1,493 per year.
  5. State Farm: $1,904 per year.

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

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

  1. Nationwide: $891 per year.
  2. Erie: $1,038 per year.
  3. State Farm: $1,174 per year.
  4. Encompass: $1,230 per year.
  5. Westfield: $1,316 per year.

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

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

  1. Nationwide: $1,007 per year.
  2. Erie: $1,189 per year.
  3. State Farm: $1,413 per year.
  4. Allstate: $1,480 per year.
  5. Westfield: $1,727 per year.

Cheapest for 30-year-old drivers in West Virginia

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 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: $1,096 per year.
  2. Erie: $1,376 per year.
  3. Westfield: $1,423 per year.
  4. Encompass: $1,431 per year.
  5. State Farm: $1,480 per year.

Cheapest minimum coverage 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: $337 per year.
  2. Nationwide: $380 per year.
  3. Encompass: $401 per year.
  4. Erie: $430 per year.
  5. State Farm: $458 per year.

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

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

  1. Nationwide: $1,454 per year.
  2. Encompass: $1,872 per year.
  3. Westfield: $2,027 per year.
  4. State Farm: $2,927 per year.
  5. Progressive: $3,079 per year.

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

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

  1. Nationwide: $1,499 per year.
  2. Erie: $1,725 per year.
  3. State Farm: $1,840 per year.
  4. Westfield: $2,067 per year.
  5. Encompass: $2,174 per year.

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

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

  1. Nationwide: $1,808 per year.
  2. Erie: $2,076 per year.
  3. State Farm: $2,120 per year.
  4. Progressive: $2,529 per year.
  5. Westfield: $3,358 per year.

Cheapest for 40-year-old drivers in West Virginia

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 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: $1,072 per year.
  2. Erie: $1,285 per year.
  3. Westfield: $1,410 per year.
  4. Encompass: $1,431 per year.
  5. State Farm: $1,450 per year.

Cheapest minimum coverage 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: $333 per year.
  2. Nationwide: $375 per year.
  3. Erie: $400 per year.
  4. Encompass: $401 per year.
  5. State Farm: $461 per year.

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

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

  1. Nationwide: $1,421 per year.
  2. Encompass: $1,872 per year.
  3. Westfield: $2,009 per year.
  4. Progressive: $2,842 per year.
  5. State Farm: $2,862 per year.

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

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

  1. Nationwide: $1,472 per year.
  2. Erie: $1,609 per year.
  3. State Farm: $1,803 per year.
  4. Westfield: $2,054 per year.
  5. Encompass: $2,174 per year.

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

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

  1. Nationwide: $1,780 per year.
  2. Erie: $1,932 per year.
  3. State Farm: $2,079 per year.
  4. Progressive: $2,379 per year.
  5. Westfield: $3,344 per year.

Cheapest for 50-year-old drivers in West Virginia

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 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.
  2. Erie: $1,221 per year.
  3. Westfield: $1,293 per year.
  4. Encompass: $1,300 per year.
  5. State Farm: $1,418 per year.

Cheapest minimum coverage 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: $306 per year.
  2. Nationwide: $358 per year.
  3. Encompass: $370 per year.
  4. Erie: $379 per year.
  5. State Farm: $458 per year.

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

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

  1. Nationwide: $1,340 per year.
  2. Encompass: $1,692 per year.
  3. Westfield: $1,845 per year.
  4. Progressive: $2,582 per year.
  5. State Farm: $2,792 per year.

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

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

  1. Nationwide: $1,403 per year.
  2. Erie: $1,527 per year.
  3. State Farm: $1,764 per year.
  4. Westfield: $1,939 per year.
  5. Encompass: $1,962 per year.

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

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

  1. Nationwide: $1,711 per year.
  2. Erie: $1,830 per year.
  3. State Farm: $2,037 per year.
  4. Progressive: $2,232 per year.
  5. Westfield: $3,228 per year.

Cheapest for 65-year-old drivers in West Virginia

Although 65-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 mid-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 in West Virginia for 65-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: $984 per year.
  2. Erie: $1,206 per year.
  3. Encompass: $1,251 per year.
  4. Westfield: $1,319 per year.
  5. State Farm: $1,335 per year.

Cheapest minimum coverage in West Virginia for 65-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: $312 per year.
  2. Nationwide: $359 per year.
  3. Encompass: $374 per year.
  4. Erie: $374 per year.
  5. State Farm: $437 per year.

Cheapest coverage for 65-year-olds with poor credit in West Virginia

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

  1. Nationwide: $1,299 per year.
  2. Encompass: $1,627 per year.
  3. Westfield: $1,882 per year.
  4. State Farm: $2,611 per year.
  5. Progressive: $2,675 per year.

Cheapest for 65-year-old drivers with one at-fault crash in West Virginia

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

  1. Nationwide: $1,368 per year.
  2. Erie: $1,515 per year.
  3. State Farm: $1,662 per year.
  4. Encompass: $1,888 per year.
  5. Westfield: $1,964 per year.

Cheapest insurance for 65-year-old drivers after a DUI in West Virginia

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

  1. Nationwide: $1,677 per year.
  2. Erie: $1,824 per year.
  3. State Farm: $1,919 per year.
  4. Progressive: $2,451 per year.
  5. Westfield: $3,254 per year.

Cheapest 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 40 of the 40 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 from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-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 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.

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