Best and Cheapest Car Insurance in West Virginia (10 Most Affordable Companies in 2024)
)
USAA, State Farm, and Geico offer the best and cheapest car insurance in West Virginia. USAA is particularly renowned for providing the best military car insurance, offering exclusive benefits and discounts for active and retired military members and their families.
In the table below, you can look through all the West Virginia car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best West Virginia car insurance rankings.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 |
#1 | $25 | A++ | Military Drivers | USAA |
 |
#2 | $29 | B | High-Risk Drivers | State Farm |
 |
#3 | $31 | A++ | Lowest Rates | Geico |
 |
#4 | $38 | A++ | Unique Coverage | Travelers |
 |
#5 | $39 | A+ | UBI Availability | Nationwide |
 |
#6 | $41 | A+ | Coverage Options | Progressive |
 |
#7 | $43 | A | Customer Service | American Family |
 |
#8 | $51 | A | Discount Variety | Farmers |
 |
#9 | $60 | A+ | High-Mileage Savings | Allstate |
 |
#10 | $73 | A | Add-on Coverages | Liberty Mutual |
Interested in learning more about one of these West Virginia car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders. Find cheap car insurance quotes by entering your ZIP code.
What You Should Know
- USAA has the cheapest insurance in West Virginia
- State Farm and Geico also have cheap West Virginia rates
- West Virginia drivers are required to purchase liability and uninsured motorist coverage
On this page:
- USAA: Top Overall Pick
- State Farm: Best for High-Risk Drivers
- Geico: Best for Lowest Rates
- Travelers: Best for Unique Coverage
- Nationwide: Best for UBI Availability
- Progressive: Best for Coverage Options
- American Family: Best for Customer Service
- Farmers: Best for Discount Variety
- Allstate: Best for High-Mileage Savings
- Liberty Mutual: Best for Add-on Coverages
- Best and Cheapest West Virginia Car Insurance Companies
- Cheapest Teen Car Insurance Rates in West Virginia
- Cheapest Car Insurance Rates for a Married Couple in West Virginia
- Cheapest Senior Car Insurance Rates in West Virginia
- Cheapest Areas in West Virginia for Car Insurance
- Most Expensive Areas in West Virginia for Car Insurance
- Minimum car insurance coverage and limits in West Virginia
- Other Types of Coverage You Need in West Virginia
- How Car Insurance Rates Are Calculated in West Virginia
- Save Money on Your Car Insurance in West Virginia
- How Clearsurance Rates and Ranks the Best Car Insurance Companies in West Virginia
- Get Coverage from the Best and Cheapest West Virginia Car Insurance Companies
#1 – USAA: Top Pick Overall
Pros
- Affordable Rates: USAA offers the cheapest car insurance in West Virginia, with an average monthly premium of just $25. Read our USAA customer reviews for more information.
- Military-Specific Discounts: West Virginia service members can access exclusive discounts from USAA.
- Accident Forgiveness: West Virginia USAA members don't face rate increases after their first at-fault accident.
Cons
- Limited Eligibility: Only military-affiliated individuals in West Virginia can access USAA's low-cost policies.
- Few Physical Locations: USAA has a few offices in West Virginia, limiting in-person service options.
#2 – State Farm: Best for High-Risk Drivers
Pros
- Safe Driver Program: The Drive Safe & Save program rewards West Virginia drivers with clean records with up to 30% discounts.
- Competitive Pricing: State Farm offers affordable car insurance in West Virginia, with an average monthly premium of $29. See the reviews and rankings in our full State Farm Insurance Review .
- Rideshare Coverage Available: West Virginia customers can get rideshare coverage from State Farm, adding 15 to 20% to their current premium.
Cons
- Credit-Based Pricing: West Virginia drivers with poor credit may face higher premiums with State Farm.
- Limited Online Tools: State Farm's digital services for West Virginia customers are less advanced.
#3 – Geico: Best for Lowest Rates
Pros
- Multiple Discounts: Geico offers discounts for West Virginia drivers, saving them up to 15% or more.
- Competitive Rates: Geico provides reasonable prices for West Virginia drivers across different age groups. Compare Geico vs. Progressive to learn more.
- Mechanical Breakdown Coverage: Customers in West Virginia can benefit from cheaper mechanical breakdown coverage.
Cons
- No Local Agents: Customers in West Virginia may have less access to in-person support from Geico local agents.
- No Gap Insurance: A customer in West Virginia with a Geico policy may incur extra costs if your vehicle is totaled.
#4 – Travelers: Best for Unique Coverage
Pros
- Unique Coverage Options: Travelers offers West Virginia drivers special add-ons like new car replacements. Read our full Travelers review for more information.
- Strong Financials: Travelers' excellent financial strength provides security for West Virginia policyholders.
- Usage-Based Savings: The IntelliDrive program offers discounts of up to 30% to West Virginia drivers with safe driving habits.
Cons
- Mixed Service Reviews: Some West Virginia customers report frustration with Travelers' claims process.
- Complex Coverage Options: Some West Virginia customers may find Travelers' policies hard to understand.
#5 – Nationwide: Best for UBI Availability
Pros
- Annual Policy Review: Nationwide's On Your Side Review ensures West Virginia customers optimize their coverage yearly.
- Decreasing Deductible: West Virginia drivers with safe driving habits can reduce their deductible from $100 to $500 over time.
- Multi-Policy Discounts: West Virginia residents can save by bundling auto and home insurance with Nationwide. Explore more discount options in our Nationwide insurance review.
Cons
- Higher Young Driver Rates: Nationwide's premiums for young West Virginia drivers often exceed competitors.
- Limited Local Presence: Nationwide has fewer physical offices in West Virginia than some major car insurers.
#6 – Progressive: Best for Coverage Options
Pros
- Name Your Price Tool: West Virginia drivers can use this feature to find policies that fit their budget and state requirements.
- Snapshot Program: This usage-based option offers potential savings for West Virginia drivers with safe driving habits. Our complete Progressive review goes over this in more detail.
- Pet Injury Coverage: Progressive includes protection for pets injured in car accidents in West Virginia at no extra cost.
Cons
- Higher Rates for Violations: West Virginia drivers with certain traffic violations may face steeper premiums.
- Complex Policy Options: Some West Virginia customers find Progressive's coverage choices hard to understand.
#7 – American Family: Best for Customer Service
Pros
- Customizable Affordable Coverage: American Family offers West Virginia drivers tailored policies at competitive rates, with an average monthly premium of $43. Find out more about American Family in our American Family review.
- KnowYourDrive Discounts: West Virginia customers can save up to 20% through the American family's safe driving program.
- Diminishing Deductible: West Virginia drivers with a clean driving record can reduce their deductible by $100 annually, up to $500.
Cons
- Limited Availability: American Family insurance is unavailable in all parts of West Virginia.
- Higher Senior Rates: Senior West Virginia drivers may find better pricing with other insurers.
#8 – Farmers: Best for Discount Variety
Pros
- Customizable Policies: Farmers offer flexible coverage options for West Virginia drivers to tailor their policies.
- Signal App Discounts: West Virginia drivers who earn a high safe driving score can save up to 30% on premiums using the Signal app.
- Accident Forgiveness: West Virginia Farmers' customers avoid rate increases after their first at-fault accident for every three years of driving with a clean record. Take a look at our Farmers insurance company review to learn more.
Cons
- Higher Credit Sensitive Rates: West Virginia divers with a Farmers policy will incur higher rates if they have a less-than-perfect credit score.
- Mixed Service Reviews: Some West Virginia policyholders report dissatisfaction with Farmers' claims process.
#9 – Allstate: Best for High-Mileage Savings
Pros
- Drivewise Program: West Virginia customers can earn rewards and discounts for safe driving habits through the Allstate Drivewise program.
- Your Choice Auto Package: This option includes accident forgiveness for eligible West Virginia drivers where for every six months of accident-free driving, you'll get a check for up to 5% back
- Local Agent Network: Allstate maintains many local agents across West Virginia.
Cons
- Expensive Teen Driver Coverage: West Virginia families with teen drivers aged 16 often face significantly higher premiums with Allstate. Find more information about Allstate’s rates in our review of Allstate insurance.
- Costly Minor Violations: West Virginia customers who commit minor violations, such as failing to stop at a stop sign, can experience a rate increase of up to 58% or more.
#10 – Liberty Mutual: Best for Add-on Coverages
Pros
- RightTrack Discounts: West Virginia drivers with safe driving habits can save up to 30% through Liberty Mutual's usage-based program.
- Add-On Coverages: Liberty Mutual offers a variety of add-on coverage options, allowing West Virginia drivers to customize their policies to fit their specific needs.
- New Car Replacement: Liberty Mutual customers in West Virginia receive new car replacements if their car is totaled. Learn more about this provider in our thorough Liberty Mutual review.
Cons
- High Initial Rates: Liberty Mutual's base premiums in West Virginia are often higher than competitors before discounts.
- Customer Service Issues: Some West Virginia customers report frustration with Liberty Mutual's claims handling and support.
Best and Cheapest West Virginia Car Insurance Companies
When shopping for car insurance in West Virginia, it’s important to make sure you find a company that fits your needs. You’ll want a company that treats it’s policyholders well but also has reasonably priced policies. Below, we’ve compiled a list of the top 10 companies that provide the best value in West Virginia, highlighting their monthly rates.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $60 | $162 |
| American Family | $43 | $115 |
| Farmers | $51 | $139 |
| Geico | $31 | $83 |
| Liberty Mutual | $72 | $196 |
| Nationwide | $39 | $104 |
| Progressive | $41 | $110 |
| State Farm | $29 | $79 |
| Travelers | $38 | $102 |
| USAA | $25 | $67 |
Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in West Virginia.
With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best West Virginia car insurance companies.
Cheapest Teen Car Insurance Rates in West Virginia
State Farm Insurance is the cheapest auto insurance company for female teen drivers on average while State Farm is the cheapest for male teens in West Virginia.
Read more: 10 Tips to keep teen drivers safe on the road
This is based on average teen monthly rates for the ten largest auto insurance providers in the state. Take a look at the cheapest options in the table below.
| Insurance Company | Age: 18 Female | Age: 18 Male |
|---|---|---|
| Allstate | $234 | $244 |
| American Family | $126 | $171 |
| Farmers | $251 | $264 |
| Geico | $111 | $138 |
| Liberty Mutual | $270 | $304 |
| Nationwide | $122 | $160 |
| Progressive | $294 | $336 |
| State Farm | $67 | $86 |
| Travelers | $229 | $319 |
| USAA | $92 | $102 |
These rates are based on profiles for 18-year-old male and female drivers in West Virginia. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in West Virginia will differ. Rate data is provided by Quadrant Information Services.
Cheapest Car Insurance Rates for a Married Couple in West Virginia
On average, married couples in West Virginia find the cheapest car insurance rates with State Farm, when comparing the top five most popular West Virginia companies.
Check out our ranking of thebest car insurance companies for married couples for more details.
The table below displays West Virginia car insurance monthly rates for a married couple with two cars on a policy from the five largest companies in the state.
| Insurance Company | Rates |
|---|---|
| Allstate | $73 |
| American Family | $53 |
| Farmers | $66 |
| Geico | $41 |
| Liberty Mutual | $79 |
| Nationwide | $50 |
| Progressive | $57 |
| State Farm | $28 |
| Travelers | $44 |
| USAA | $37 |
These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in West Virginia will differ. Rate data is provided by Quadrant Information Services.
Cheapest Senior Car Insurance Rates in West Virginia
State Farm provides the cheapest car insurance rates for male and female senior drivers in West Virginia on average when compared to some of the other most popular insurers in the state. Senior drivers can also explore policies tailored to their needs, including options for safe driving discounts and comprehensive coverage. For more insights on the best car insurance for senior drivers, refer to the detailed monthly rates in the table below.
| Insurance Company | Age: 65 Female | Age: 65 Male |
|---|---|---|
| Allstate | $63 | $59 |
| American Family | $41 | $42 |
| Farmers | $51 | $51 |
| Geico | $32 | $30 |
| Liberty Mutual | $66 | $71 |
| Nationwide | $37 | $38 |
| Progressive | $42 | $40 |
| State Farm | $29 | $29 |
| Travelers | $37 | $37 |
| USAA | $25 | $24 |
These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in West Virginia will differ. Rate data is provided by Quadrant Information Services.
Cheapest Areas in West Virginia for Car Insurance
The cheapest area for car insurance in West Virginia is the area of Falling Waters. While car insurance rates vary by state, they also vary by city and even the neighborhood you live in.
Read more: The Best and Cheapest Car Insurance Companies
In the table below, you can see the top 10 cheapest areas in West Virginia for car insurance based on average monthly rates for a single adult.
| City | Rates |
|---|---|
| Falling Waters | $99 |
| Gerrardstown | $99 |
| Martinsburg | $99 |
| Bunker Hill | $100 |
| Shepherdstown | $100 |
| Shenandoah Junction | $100 |
| Ranson | $100 |
| Glengary | $101 |
| Inwood | $101 |
| Summit Point | $101 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in West Virginia will differ. Rate data is provided by Quadrant Information Services.
Most Expensive Areas in West Virginia for Car Insurance
In addition to your age and marital status, your location within West Virginia affects your car insurance rates. Urban areas and regions with higher traffic density often have higher premiums due to increased risk of accidents and theft.
Read more: What are the cheapest cars to insure?
The table below displays the top 10 most expensive areas in West Virginia for car insurance based on average monthly rates for a single adult.
| City | Rates |
|---|---|
| Gilbert | $145 |
| Kermit | $144 |
| Justice | $144 |
| Ragland | $144 |
| Naugatuck | $144 |
| Lenore | $143 |
| Williamson | $143 |
| Baisden | $143 |
| Chattaroy | $143 |
| Newtown | $143 |
Even if you live in these areas, you can still find ways to get cheap car insurance by shopping around, maintaining a clean driving record, and taking advantage of discounts.
Minimum Car Insurance Requirements and Limits in West Virginia
West Virginia drivers are required to purchase liability and uninsured motorist coverage. The state’s minimum limits for both of these coverages are listed below, but you would be wise to consider purchasing higher limits. The state’s required minimums would likely not be enough to cover you in the event of a costly accident.
West Virginia drivers also should consider purchasing some of the optional coverages available in the state, such as collision insurance and comprehensive insurance. This will protect your vehicle from damage suffered in an accident you cause, and from non-accident related damage, such as hail or tree damage. Comprehensive coverage also protects you from accidents with deer — West Virginia has the highest likelihood of hitting a deer at 1 in 46. There are other optional coverages to consider, too, such as medical payments, roadside assistance and underinsured motorist.
West Virginia state minimum requirements:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured/Underinsured Motorist: $25,000 per person and $50,000 per accident for bodily injury; $25,000 per accident for property damage
Bodily injury liability insurance provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Property damage liability insurance provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.
Uninsured motorist covers you from any injuries you sustain or damage to your car caused by a driver without insurance or a hit-and-run driver. According to 2015 data from the Insurance Information Institute, 10.1 percent of West Virginia drivers don’t have insurance. Some auto insurance companies sell this coverage as uninsured/underinsured motorist coverage.
Other Types of Coverage You Need in West Virginia
Once you've purchased the minimum coverage required by law, it is up to you to determine how much auto insurance coverage you need. Many people choose to purchase collision coverage, which pays for the policyholder's damages after at-fault accidents. Collision usually goes hand in hand with comprehensive coverage, which pays for damages from events other than collisions, like a falling tree limb, natural disaster, or vandalism.
Personal injury protection and medical payments coverage are two options that pay for medical costs related to an accident. It’s important to understand what Medical Payments (MedPay) insurance is and what it covers to ensure you have the right protection.
Rental car reimbursement coverage pays you back for the cost of your rental car while your own vehicle is in the shop.
Gap insurance, also called loan/lease payoff coverage, pays for the remainder of your loan if your car is totaled while you're still paying it off.
Accident forgiveness is a type of optional coverage that allows you to be involved in one accident without your auto insurer raising your rates.
How Car Insurance Rates Are Calculated in West Virginia
When searching and comparing quotes from the best auto insurance companies in West Virginia, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Age, Gender, and Marital Status
- Driving Record & Mileage
- Location & Credit Score
- Car’s Make, Model, and Year
- Type of Car Insurance Coverages
One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?
Read more: What is a driving record and what does it track?
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.
Save Money on Your Car Insurance in West Virginia
At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best West Virginia car insurance companies.
While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your auto insurance rates
Here are five ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies.
- Consider raising your deductibles.
- Pay your car insurance policy in full.
- Try usage-based car insurance.
- Monitor price changes to your policy.
Drivers with a clean driving record and excellent credit score will generally see the lowest rates.
Explore the types of discounts offered by the best and cheapest car insurance companies in West Virginia.
A usage-based insurance program uses an app or a telematics device to monitor your driving habits and issues you a discount on your auto insurance policy for safe driving.
How Clearsurance Rates and Ranks the Best Car Insurance Companies in West Virginia
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Price
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.
Read more: Car insurance shopping guide
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.
Get Coverage from the Best and Cheapest West Virginia Car Insurance Companies
Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?
We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.
Ready to find cheaper car insurance coverage? Enter your ZIP code to begin.
Frequently Asked Questions
Who offers the cheapest teen car insurance rates in West Virginia?
Erie Insurance is the cheapest car insurance option for female teen drivers on average while State Farm is the cheapest for male teens in West Virginia. This is based on average teen rates for the five largest auto insurers in the state.
What are the cheapest insurance companies for a married couple in West Virginia?
On average, married couples in West Virginia find the cheapest car insurance rates with Erie Insurance, when comparing the top five most popular West Virginia companies.
What are the cheapest car insurance companies for seniors in West Virginia?
State Farm provides the cheapest insurance for seniors in West Virginia on average when compared to some of the other most popular insurers in the state.
What is the best insurance in West Virginia?
USAA is the best insurance in West Virginia due to its high customer satisfaction, competitive rates, excellent customer service, and extensive discount options.
How much is car insurance in West Virginia per month?
On average, West Virginians pay about $28 monthly for minimum coverage.
What is the minimum car insurance in West Virginia?
West Virginia requires drivers to have at least $25,000 per person and $50,000 per accident for bodily injury liability, plus $25,000 for property damage. You'll also need uninsured motorist coverage matching these limits.
What is full coverage auto insurance in WV?
Full coverage in West Virginia typically includes liability, collision, and comprehensive coverage. It goes beyond the state minimums, offering more protection for your vehicle and finances.
What is the best car insurance for bad credit?
USAA, Geico, Nationwide, and Progressive often offer competitive rates for drivers with lower credit scores.
Is it illegal to not have car insurance in WV?
Driving without insurance in West Virginia can land you in trouble. You could face license suspension, fines, and reinstatement fees.
Is car insurance cheaper in Virginia?
Virginia's car insurance rates are lower than the national average. You could save about 12% on full coverage here.
Who is the most trusted insurance company?
According to the customer satisfaction list, the top trusted companies include State Farm, Progressive, Geico, Allstate, and USAA.
Does Liberty Mutual cover West Virginia?
Yes, Liberty Mutual offers coverage in West Virginia.
How many days do you have to insure a used car after purchase in WV?
You have 30 days to add a used car to your policy. But don't drive it uninsured.
Is WV a no-fault state?
No, West Virginia is not a no-fault state. It's what's called a "fault" or "tort" state.
Can someone drive my car if they are not on my insurance in West Virginia?
Your insurance typically covers anyone driving your car with permission, providing at least the state's minimum required coverage.
Is there a way to lower car insurance?
Raising deductibles, maintaining a clean driving record, and shopping around can lower car insurance costs.
Can you ask to lower car insurance?
You can't negotiate rates directly, but you can ask about discounts and shop for better deals.