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Best Cheap Car Insurance in West Virginia for 2020

Jan. 2, 2020
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 the eight largest insurers in the state and found the five cheapest options for several driver types.

Cheapest for good drivers in West Virginia

For a West Virginian with clean driving and credit histories, these are the cheapest companies and average rates we found for full coverage insurance:

  1. Safeco: $915 per year.
  2. Erie: $1,047 per year.
  3. Nationwide: $1,335 per year.
  4. Westfield: $1,361 per year.
  5. State Farm: $1,423 per year.
Drivers with no recent accidents or violations can get cheaper car insurance rates for having good credit. For this calculation, NerdWallet averaged rates for 40-year-old men and women with a clean driving record and good credit. In terms of driving and credit history, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including comprehensive and collision, along with state-required coverage. Prices shown include a good driver discount, when available from the insurer.

Cheapest for minimum coverage in West Virginia

For a West Virginia driver who wants only bare-bones insurance, the cheapest companies and average rates for minimum required coverage are:

  1. Erie: $349 per year.
  2. Westfield: $403 per year.
  3. Safeco: $427 per year.
  4. State Farm: $541 per year.
  5. Nationwide: $607 per year.
We calculated these numbers by averaging rates for 40-year-old good drivers (earning them a discount if the insurer offers one) who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended, since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more. If you're looking for the cheapest possible insurance you can get, though, you'll still want to get quotes from at least three auto insurers.

Cheapest for good drivers with poor credit

When a driver in West Virginia has a good driving record and blemished credit, the cheapest insurers and average rates for full coverage are:

  1. Safeco: $1,725 per year.
  2. Nationwide: $1,776 per year.
  3. Westfield: $1,931 per year.
  4. Allstate: $2,516 per year.
  5. State Farm: $2,810 per year.
If you have a spotty credit history, it's important to shop around to find the cheapest auto insurance rates you can. Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent at-fault crash, but prices vary by insurer. To calculate these figures, NerdWallet averaged rates for 40-year-olds with a clean driving record and associated good driver discount, if the insurer offered one. They had poor credit as reported to their insurer, and standard "full coverage" car insurance.

Cheapest for drivers with one at-fault crash

West Virginia drivers who’ve caused a recent accident may want to check out these insurance companies, which returned the cheapest average rates for full coverage:

  1. Erie: $1,290 per year.
  2. Safeco: $1,534 per year.
  3. State Farm: $1,774 per year.
  4. Nationwide: $1,898 per year.
  5. Westfield: $1,985 per year.
After a relatively minor crash, some auto insurers will charge a lot more than others for coverage. To get these figures, we averaged rates for 40-year-olds with typical "full coverage" insurance and one recent at-fault crash costing $10,000 in property damage. Your rates will remain high for three to five years after you cause an accident or have a moving violation. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.

Cheapest insurance after a DUI in West Virginia

For a West Virginian whose driving record includes a recent DUI, here are the cheapest insurers we found, ranked by lowest average rate for full coverage:

  1. Erie: $1,533 per year.
  2. Safeco: $1,811 per year.
  3. State Farm: $2,053 per year.
  4. Nationwide: $2,331 per year.
  5. Allstate: $2,345 per year.
A conviction for driving under the influence, or DUI, generally results in higher auto insurance premiums than before. NerdWallet analyzed rates for 40-year-old drivers and standard “full coverage” car insurance with a recent DUI conviction to see which companies were cheapest. Rates can vary by hundreds between carriers after a DUI, and some penalize for longer than others, so it’s important to shop around for the best price right after you see a price hike and each year after that.

Cheapest insurance after a ticket in West Virginia

For a West Virginia driver with a recent speeding ticket, these companies have the cheapest average rates for full coverage insurance:

  1. Erie: $1,066 per year.
  2. Safeco: $1,344 per year.
  3. Westfield: $1,361 per year.
  4. Nationwide: $1,573 per year.
  5. State Farm: $1,625 per year.
Getting a speeding ticket will result in higher car insurance rates from most companies for three to five years. To see who has the cheapest rates, we calculated average car insurance rates for 40-year-old drivers with “full coverage” insurance and a recent ticket for speeding 16 mph over the limit. Though these larger companies were the cheapest we found on average, others may be cheaper for you, so be sure to get at least three quotes before deciding on a carrier.

Cheapest for couples and families in West Virginia

When you have a couple of cars on your insurance policy, or maybe a teenager who’s about to get a driver’s license, it’s smart to take a fresh look at which companies are cheapest for you. Every insurer uses a different formula to set prices, so the companies with the best prices for singles may not be cheapest for a household with multiple cars and drivers. We analyzed rates for a couple, with and without a teen driver, to find the lowest prices for families in West Virginia.

Cheapest for a married couple in West Virginia

For a husband and wife, both 50 years old, buying full coverage for two vehicles, these are the cheapest insurers and average rates in West Virginia, assuming clean driving and credit records:

  1. Safeco: $1,202 per year.
  2. Erie: $1,601 per year.
  3. Westfield: $1,854 per year.
  4. Nationwide: $1,906 per year.
  5. Progressive: $2,108 per year.
Couples who live together can save on auto insurance by combining policies, whether they are married or not, because they can earn multi-car and multi-driver discounts. Once they tie the knot, rates can dip further, but not because of discounts — insurers see married people as less risky and so charge them lower rates. Our hypothetical 50-year-old couple’s clean driving record also earns them both a good driver discount.

Cheapest for families with a teen in West Virginia

For a West Virginia family that includes a 50-year-old couple and an 18-year-old driver, here are the cheapest insurance companies we found, ranked by average rates for full coverage on two vehicles:

  1. Safeco: $2,428 per year.
  2. Erie: $2,774 per year.
  3. Nationwide: $3,258 per year.
  4. Allstate: $3,960 per year.
  5. Westfield: $4,155 per year.
Taking that same couple and adding a teen with two years’ driving experience is sure to cause a big jump in rates. Since different insurers tend to see a teen’s inexperience in different ways, we analyzed rates to see which companies had the cheapest car insurance for teens. These rates are averaged for 50-year-old couples with male and female 18-year-old drivers across the state.

Cheapest for young drivers in West Virginia

Car insurance is rarely cheap for people in their 20s compared to more experienced drivers. But prices can span a wide range, because insurers have different viewpoints on how to figure age and driving background into their rates. To see which companies are cheapest for young drivers, we looked at rates for 25-year-olds in West Virginia.

Cheapest full coverage for young good drivers

For a young driver in West Virginia with good credit and a clean driving record, these are the cheapest insurance companies and average rates for full coverage:

  1. Safeco: $1,142 per year.
  2. Erie: $1,171 per year.
  3. State Farm: $1,491 per year.
  4. Nationwide: $1,510 per year.
  5. Allstate: $1,869 per year.
Drivers in their 20s can have a hard time finding cheap car insurance, and that's even truer when they need full coverage. The rates above are averages for 25-year-old male and female drivers all over the state with comprehensive and collision coverages, which are often required for drivers with active auto loans or leases. These rates reflect a good driver discount, but no others. Young drivers, like all drivers, should check several quotes to find the cheapest for the coverage levels they need.

Cheapest minimum coverage for young good drivers

For a 25-year-old driver who chooses West Virginia’s minimum required insurance, the cheapest companies and average rates are:

  1. Erie: $385 per year.
  2. Safeco: $525 per year.
  3. State Farm: $550 per year.
  4. Allstate: $622 per year.
  5. Westfield: $631 per year.
Since young people often have fewer assets to protect with liability insurance, they can usually get away with lower coverage limits. For an age group with relatively high insurance rates on average, that's good news, keeping rates as low as possible. For this price set, we averaged rates for 25-year-old male and female drivers living across the state who have clean driving records, good credit and bare-bones insurance coverage.

Poor credit and minimum coverage

When a young driver in West Virginia has spotty credit combined with a good driving history, the cheapest insurers and average rates for minimum coverage are:

  1. Allstate: $849 per year.
  2. Westfield: $860 per year.
  3. Nationwide: $907 per year.
  4. Safeco: $952 per year.
  5. State Farm: $1,062 per year.
Poor credit is common for younger folks just starting out, who may still be building their credit files. That can increase rates further, so it's extra important to shop around and compare as many insurance quotes as possible to find the cheapest you can get. For these prices, we averaged rates across the state for 25-year-old male and female drivers with no recent accidents or violations (earning them a good driver discount), minimum coverage car insurance, and credit in the "poor" tier as reported to an insurer.

Cheapest for minimum coverage after a crash

For a 25-year-old West Virginia driver who has caused a recent wreck, here are the cheapest insurance companies we found, listed with their average rates for minimum coverage:

  1. Erie: $483 per year.
  2. State Farm: $696 per year.
  3. Allstate: $833 per year.
  4. Safeco: $862 per year.
  5. Westfield: $867 per year.
To get prices for this group, we averaged rates for 25-year-old male and female drivers across the state with good credit and a recent at-fault crash costing $10,000 in property damage. Since car insurance is often pricier after a crash, and especially so for young drivers, we assumed minimum required insurance in the state to contain costs for our hypothetical driver. If you've caused a crash, no matter your age, be sure to check auto insurance quotes just after the third and fifth anniversaries of your incident, when insurers often adjust rates downward.

Cheapest for minimum coverage after a DUI

For a young driver in West Virginia with a recent DUI, these companies returned the cheapest average rates for minimum required insurance:

  1. Erie: $583 per year.
  2. Allstate: $787 per year.
  3. State Farm: $819 per year.
  4. Safeco: $978 per year.
  5. Nationwide: $1,144 per year.
Young drivers with a recent DUI on their records will need to be diligent to find the lowest car insurance rates they can get — it's likely that many companies' rates will be quite expensive. But spending the time to shop around for quotes can help you find the lowest. For this analysis, we averaged rates for male and female 25-year-old drivers with a recent on-record DUI. They had good credit and minimum required car insurance, which helps keep rates down.

Cheapest for minimum coverage and a ticket

For a 25-year-old driver in West Virginia who recently got a speeding ticket, here are the cheapest insurers we found and their average rates for minimum coverage:

  1. Erie: $392 per year.
  2. State Farm: $629 per year.
  3. Westfield: $631 per year.
  4. Allstate: $676 per year.
  5. Safeco: $742 per year.
Getting a speeding ticket is never fun, and neither is the higher car insurance bill you may receive months later. At that point it's time to shop around for better rates, and it wouldn't hurt to repeat on your third and fifth ticket anniversaries, when insurers may adjust rates downward. We analyzed rates for 25-year-old male and female drivers with a recent speeding violation for going 16 mph over the speed limit to see prices for this group.

Cheap for military families

Cheap car insurance for drivers with a military connection is often available through USAA, which offers policies exclusively to active service members, veterans and their families. Since USAA isn’t available to the general public, it isn’t ranked in the lists above, but it’s one of the three cheapest options in West Virginia for each of those driver categories.

Recap: Cheapest car insurance in West Virginia

  • Good drivers: Safeco
  • Minimum coverage: Erie
  • Poor credit: Safeco
  • After an at-fault crash: Erie
  • After a DUI: Erie
  • After a speeding ticket: Erie
  • Married couples: Safeco
  • Families with a teen: Safeco
  • Young good drivers: Safeco
  • Minimum coverage for young good drivers: Erie
  • Minimum coverage for young drivers with poor credit: Allstate
  • Minimum coverage for young drivers after a crash: Erie
  • Minimum coverage for young drivers after a DUI: Erie
  • Minimum coverage for young drivers after a ticket: Erie

» MORE: Compare car insurance

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 rates from the largest insurers in the state for 40-year-old men and women in all ZIP codes with 12,000 annual miles driven. The policy includes:

  • $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.
If required, minimum additional coverages were added. Our “young driver” had all the same characteristics, but average rates were for 25-year-old men and women. 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 costing $10,000 in property damage.
  • For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
  • For drivers with a DUI, we added a single drunken driving violation.
We used a 2016 Toyota Camry LE for all single drivers. Couples in our analyses were 50-year-old men and women with good credit and clean driving histories, averaged across all ZIP codes with the same policy outlined above. To see rates for families with a teen, we added an 18-year-old licensed two years ago, averaging rates for male and female teens. For couples and families we added a 2016 Nissan Rogue S to create a two-car household. These are rates provided by Quadrant Information Services. Your own rates will be different.