What is the best car insurance in West Virginia?

The best car insurance company in West Virginia for you may not be the best for your friend. Individual auto insurance rates are highly personalized based on details like driving record, age, gender, credit score, zip code, vehicle type and more. Likewise, policies can be uniquely different between various drives and vehicles. For instance, if you drive a brand-new luxury vehicle, you may want a different policy than if you have a more generic car. Similarly, an antique or classic car would call for a different type of policy than the other two examples. Before picking a company, it’s vital to understand your coverage needs.

Who has the cheapest car insurance in West Virginia?

Based on rates provided by Quadrant Information Services, Encompass has the cheapest car insurance prices for state minimum and full coverage. Your rate will typically vary based on numerous factors, including your age, driving history, location, the type of vehicle you drive and coverages selected.

Why do teens and young adults pay more money for car insurance?

Car insurance premiums are based on several factors, such as driving record, age, credit history, coverage type and vehicle. Younger drivers usually face more expensive premiums because they are statistically involved in more fatal and serious crashes and more likely to take part in risky driving behaviors like using their phone while driving and speeding, making them a higher risk to insure. Thankfully, as drivers age, their insurance costs typically decrease. In the meantime, things like good student discounts can help reduce premiums while young drivers gain experience.

How much does car insurance in West Virginia cost?

The average cost of auto insurance in West Virginia is lower than the national average. Drivers in the state typically pay $2,162 for full coverage and $566 for minimum coverage compared to the nationwide averages of $2,671 and $806, respectively. Keep in mind, however, that these are averages and things like age, location, the type of car you drive, the level of coverage you select and more will all influence your premium.

How do I get the cheapest car insurance in West Virginia?

The best way to get the cheapest insurance in WV is to compare car insurance quotes from multiple companies with the same coverages, policy limits and deductibles. The cheapest company varies by driver, as personal factors like your age, driving record and credit score affect pricing, and each insurer weighs these factors differently. Other ways to save on insurance in WV include looking into discount opportunities, improving your credit and adjusting your coverage or deductible(s) — but you’ll want to speak with an agent to fully understand the impact of doing so before making any decisions that could negatively impact your finances should an accident occur.

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Cheapest car insurance in West Virginia for 2025

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The cheapest car insurance companies in West Virginia

West Virginia drivers pay an average of $566 for state-minimum coverage and $2,162 for full coverage car insurance per year. While these average rates tend to be below the national average, some auto insurers offering the cheapest insurance in WV are even lower than the Mountain State’s averages. Bankrate’s editorial team analyzed average premiums, discounts, and third-party ratings to find which carriers offer the best cheap car insurance in West Virginia, no matter what your situation.

We’ve curated a list of some of the cheapest car insurance companies below for a variety of situations:

Key takeaways

Cheapest company for minimum coverage: Erie
Cheapest company for full coverage: USAA
Cheapest company for drivers with prior incidents: Westfield
Cheapest company for young drivers: Erie

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Cheapest car insurance in West Virginia for minimum coverage

Drivers in West Virginia must maintain a liability-only policy will meet this requirement. These policies tend to be the cheapest insurance in West Virginia, though drivers may want to consider full coverage for better financial protection in the event of an accident. The cheapest carrier in West Virginia for minimum coverage auto policies is Erie.


Erie	$30	$364	-202
Westfield	$30	$364	-202
USAA	$31	$372	-194
State Farm	$41	$490	-76
Encompass	$47	$567	1

Minimum coverage requirements for West Virginia drivers

West Virginia law mandates that drivers must have a minimum level of liability coverage to drive legally, including:

$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 bodily injury per person
$50,000 uninsured motorist bodily injury per accident
$25,000 uninsured motorist property damage per accident

If you can afford to — especially if you have assets such as a home or business — you may want to increase your car insurance limits for better financial protection. If you cause more than $25,000 or $50,000 in damage and injuries to others in an accident, you may be putting yourself at risk of paying out of pocket for costs above your coverage limits. In addition, liability insurance only pays for damages you cause to others. It won’t cover the repair or replacement of your own vehicle after an at-fault accident. But full coverage, which typically includes collision insurance, will.

Cheapest car insurance in West Virginia for full coverage

Full coverage auto insurance policies in West Virginia are typically more expensive than minimum coverage policies. However, they offer drivers better financial protection in the event of an accident, regardless of fault. Even still, there are ways to find affordable full coverage in the state. Per Bankrate’s research, USAA and Westfield offer some of the cheapest average full coverage car insurance in West Virginia, so it may be worthwhile to start your search by getting quotes from them.


USAA	$138	$1,662	-500
Westfield	$150	$1,795	-367
Erie	$153	$1,832	-330
Progressive	$153	$1,838	-324
Encompass	$156	$1,873	-289

Cheapest car insurance in West Virginia for drivers with prior incidents

Drivers in West Virginia with prior incidents on their driving record, such as a DUI, speeding ticket or at-fault accident, may see their car insurance premiums rise as a result. However, there are providers in the state who offer cheap insurance policies in these situations.

Cheapest car insurance for drivers with a ticket: Westfield
Cheapest car insurance for drivers with an at-fault accident: Erie
Cheapest car insurance for high-risk drivers: Erie

Cheapest insurance company for drivers in West Virginia with a speeding ticket: Westfield

Unfortunately, getting a speeding ticket conviction is something that many drivers may experience at some point in their lives. The good news is that you may still find cheap West Virginia car insurance even with a speeding ticket on your record. In fact, all of the companies below offer average or below-average rates for drivers with a speeding ticket:


Westfield	$364	$1,795
Erie	$378	$1,912
USAA	$442	$1,950
State Farm	$569	$2,204
Encompass	$651	$2,124

Cheapest insurance company for drivers in West Virginia with an at-fault accident: Erie

Getting into an at-fault accident will usually increase the premium on your car insurance. Statistically, getting into one at-fault accident could lead to more claims, so insurance companies raise rates accordingly to offset this heightened risk. Even so, you might find cheap auto insurance in West Virginia by requesting quotes from these companies — most of them offer rates lower than the state average.


Erie	$413	$2,045
Westfield	$464	$2,316
USAA	$570	$2,461
State Farm	$633	$2,401
Encompass	$745	$2,447

Cheapest rates in West Virginia for high-risk drivers: Erie

Certain types of driving incidents could lead your car insurance company to deem you a high-risk driver. Among these are DUIs, which may be the most severe high-risk infraction. Finding cheap insurance in West Virginia after a DUI conviction may be challenging. We’ve listed some of the lowest rates we could find for West Virginians with a DUI, but you may still want to contact companies for more information, as not all drivers with a DUI may qualify for coverage.


Erie	$592	$2,700
USAA	$671	$3,165
Progressive	$765	$2,949
Westfield	$864	$4,400
Allstate	$1,126	$4,894

Bankrate’s take: While there are car insurance providers in West Virginia that extend coverage to drivers convicted of a DUI, not all of them will, even if they’ve been included in our list above. Companies may determine that these drivers are more prone to getting in accidents or causing damage, and are too risky to cover as a result. Drivers in West Virginia who have been convicted of a DUI and are looking for new coverage should be aware that they may need to shop around in order to find a company that will insure them.

Cheapest car insurance for young drivers in West Virginia

In West Virginia, younger drivers like teens and young adults will tend to have higher rates on their car insurance compared to older drivers. This is because they are typically viewed as inexperienced by insurers, and more likely to get in an accident or file a claim. There are options for cheap car insurance in West Virginia for young adults, as we will cover below, and young drivers who maintain a clean driving record will tend to see lower premiums as they age.

Cheapest car insurance for insuring a teen driver: Erie
Cheapest car insurance for teens with a ticket: Erie
Cheapest car insurance for teens with an at-fault accident: Erie
Cheapest car insurance for young drivers with a DUI: Erie

Cheapest West Virginia car insurance for insuring a teen driver: Erie

Many parents cringe at the thought of adding their teen driver to their policy, and perhaps for good reason — due to their inexperience behind the wheel, teens and young adults pay some of the most expensive rates. However, you might find that low-cost car insurance in West Virginia is still within reach by shopping with some of the companies we’ve listed here in addition to seeking out available good student discount for qualifying drivers.


Erie	$722	$3,860
Westfield	$842	$4,086
Encompass	$1,072	$2,785
USAA	$1,092	$4,314
State Farm	$1,125	$3,808

Bankrate’s take: Since teen drivers are statistically more likely to be involved in accidents than any other age group, insurers generally protect themselves by charging more for policies that include a teen driver. If they maintain a clean driving record, teens will see their rates start to drop once they are in their 20s as they gain more experience behind the wheel.

Cheapest car insurance for young drivers with a ticket: Erie

Teen drivers are already more expensive to insure on average, so receiving a speeding ticket can make their premiums rise even more. To find the cheapest car insurance for drivers in this scenario, consider requesting quotes from the providers below.


Erie	$788	$4,270
Westfield	$908	$4,631
USAA	$1,539	$6,516
State Farm	$1,539	$5,589
Progressive	$1,950	$7,065

Cheapest car insurance for young drivers with an at-fault accident: Erie

Teen drivers who have been involved in an at-fault accident will likely see their premiums go up temporarily. To find cheap car insurance for high-risk drivers in this situation, check out the following providers.


Erie	$888	$4,609
Westfield	$1,057	$5,412
State Farm	$1,724	$6,178
USAA	$1,918	$8,134
Encompass	$2,059	$5,674

Bankrate’s take: Accident forgiveness can be purchased as an add-on to an insurance policy. Car insurance policyholders with accident forgiveness coverage may not see their rates increase following their first at-fault accident. Eligibility requirements for accident forgiveness vary among insurance companies, but it will usually apply to one at-fault accident.

Cheapest car insurance for young drivers with a DUI: Erie

Young drivers with a DUI conviction in West Virginia will likely see their rates go up the most compared to other incidents. Again, not all drivers who have been convicted of a DUI will qualify for coverage by the following providers, so it’s important to shop around if you want to find the cheapest provider that will extend your coverage.


Erie	$908	$4,456
Progressive	$994	$3,609
Westfield	$1,178	$6,041
USAA	$1,196	$5,403
Allstate	$1,570	$8,360

Cheapest car insurance rates by city in West Virginia

In West Virginia, car insurance companies can use your ZIP code as a rating factor when determining your premium. Typically, those who live in bigger cities pay more expensive rates partly because a higher population density usually leads to more traffic accidents. Increased auto theft may also impact city rates. If you’re thinking about moving to West Virginia (or moving within the state) and want to pay the cheapest rates, then you may want to check out some of these cities and car insurance companies.

Cheapest cities in West Virginia for car insurance


Moorefield	$468	Westfield	$279
Delray	$478	Westfield	$279
Mathias	$470	Westfield	$279
Old Fields	$471	Westfield	$279
Wardensville	$475	Westfield	$279

Cheapest car insurance in larger cities in West Virginia


Morgantown	$534	USAA	$335
Huntington	$639	Westfield	$393
Charleston	$610	USAA	$396
Parkersburg	$578	Westfield	$366
Wheeling	$539	Westfield	$345

Car insurance discounts in West Virginia

Even if you’re already paying lower-than-average premiums, you might find further West Virginia car insurance savings by taking advantage of discounts, including:

Young driver discounts: Teens who may be new to driving often pay fairly high rates, but insurers may compensate by offering teen discounts. Common discount opportunities include one for students who maintain a B or better average in high school or college, and a discount for young people who take a defensive driving course to hone their skills behind the wheel.
Safe driver discounts: Your driving record can significantly affect your rates. Not only does avoiding tickets and accidents often save you money upfront and keep your rates lower, but it may also qualify you for an added “safe driver” discount. If you have a clean driving record free of tickets and at-fault accidents for three or more years, your carrier may offer you a discount. Not all companies offer this discount, and specifics can vary between carriers.
Telematics discount: Some drivers might lower their premium by signing up for a telematics program, especially if they drive safely, fewer miles than average and mainly during the day. To take advantage of telematics, you either need to download an app or plug in a device and allow your insurance company to track your driving patterns. However, it’s worth mentioning that not every major carrier has a telematics program in West Virginia and some may increase your rates for risky driving habits like speeding, hard braking and driving late at night.
Bundling discount: If you’re in the market for more than one type of policy, earning a bundling discount could be one of the easiest ways to lower your car insurance premium. Some companies will give you a bundling discount for purchasing a property policy alongside your auto (a homeowners or renters policy, for instance). With others, you may be able to stack the discount if you buy auto, property and a third type of policy (perhaps motorcycle or life).

Frequently asked questions

The understand your coverage needs.
Based on rates provided by Quadrant Information Services, Encompass has the cheapest car insurance prices for state minimum and full coverage. Your rate will typically vary based on numerous factors, including your age, driving history, location, the type of vehicle you drive and coverages selected.
Car insurance premiums are based on several factors, such as driving record, age, credit history, coverage type and vehicle. Younger drivers usually face more expensive premiums because they are statistically involved in more fatal and serious crashes and more likely to take part in risky driving behaviors like using their phone while driving and speeding, making them a higher risk to insure. Thankfully, as drivers age, their insurance costs typically decrease. In the meantime, things like good student discounts can help reduce premiums while young drivers gain experience.
The nationwide averages of $2,671 and $806, respectively. Keep in mind, however, that these are averages and things like age, location, the type of car you drive, the level of coverage you select and more will all influence your premium.
The best way to get the cheapest insurance in WV is to compare car insurance quotes from multiple companies with the same coverages, policy limits and deductibles. The cheapest company varies by driver, as personal factors like your age, driving record and credit score affect pricing, and each insurer weighs these factors differently. Other ways to save on insurance in WV include looking into discount opportunities, improving your credit and adjusting your coverage or deductible(s) — but you’ll want to speak with an agent to fully understand the impact of doing so before making any decisions that could negatively impact your finances should an accident occur.

Methodology

Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.

Cheapest car insurance in West Virginia for 2025

The cheapest car insurance companies in West Virginia

Key takeaways

Compare auto insurance rates

Cheapest car insurance in West Virginia for minimum coverage

Minimum coverage requirements for West Virginia drivers

Cheapest car insurance in West Virginia for full coverage

Cheapest car insurance in West Virginia for drivers with prior incidents

Cheapest insurance company for drivers in West Virginia with a speeding ticket: Westfield

Cheapest insurance company for drivers in West Virginia with an at-fault accident: Erie

Cheapest rates in West Virginia for high-risk drivers: Erie

Cheapest car insurance for young drivers in West Virginia

Cheapest West Virginia car insurance for insuring a teen driver: Erie

Cheapest car insurance for young drivers with a ticket: Erie

Cheapest car insurance for young drivers with an at-fault accident: Erie

Cheapest car insurance for young drivers with a DUI: Erie

Cheapest car insurance rates by city in West Virginia

Cheapest cities in West Virginia for car insurance

Cheapest car insurance in larger cities in West Virginia

Car insurance discounts in West Virginia

Frequently asked questions

What is the best car insurance in West Virginia?

Who has the cheapest car insurance in West Virginia?

Why do teens and young adults pay more money for car insurance?

How much does car insurance in West Virginia cost?

How do I get the cheapest car insurance in West Virginia?

Methodology

Rates

Other profiles

Credit-based insurance scores:

Incidents:

Mileage:

Model:

Age:

Gender:

Status: