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Best & Cheapest West Virginia Car Insurance as Rated by Customers in 2020

4.68 ★★★★★
4566 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.20 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16827 customer reviews
rated their claim's experience positively
4.10 ★★★★★
2054 customer reviews
rated their claim's experience positively
4.04 ★★★★★
2225 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7128 customer reviews
rated their claim's experience positively
3.95 ★★★★★
1331 customer reviews
rated their claim's experience positively
3.92 ★★★★★
744 customer reviews
rated their claim's experience positively
3.90 ★★★★★
143 customer reviews
rated their claim's experience positively
3.78 ★★★★★
161 customer reviews
rated their claim's experience positively
3.74 ★★★★★
544 customer reviews
rated their claim's experience positively
3.69 ★★★★★
90 customer reviews
rated their claim's experience positively
3.24 ★★★★★
55 customer reviews
rated their claim's experience positively
3.18 ★★★★★
277 customer reviews
rated their claim's experience positively
2.20 ★★★★★
132 customer reviews
rated their claim's experience positively

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. 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.

In the table above, 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.

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.

On this page:

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.

Company Female teen rates Male teen rates
Allstate Insurance $1,822 $1,919
Erie Insurance Group $853 $1,194
Nationwide $1,594 $1,927
Progressive $3,032 $3,286
State Farm Insurance Company $909 $1,058

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.

Who offers the 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 Erie Insurance, when comparing the top five most popular West Virginia companies. The table below displays West Virginia car insurance rates for a married couple with two cars on a policy from the five largest companies in the state.

Company Married couple rates
Allstate Insurance $2,274
Erie Insurance Group $1,662
Nationwide $2,168
Progressive $2,095
State Farm Insurance Company $1,774

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.

Who offers the 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.

Company Female senior rates Male senior rates
Allstate Insurance $1,494 $1,512
Erie Insurance Group $1,046 $1,046
Nationwide $1,150 $1,259
Progressive $1,316 $1,316
State Farm Insurance Company $869 $869

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.

10 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. In the table below, you can see the top 10 cheapest areas in West Virginia for car insurance based on average rates for a single adult.

Area Car insurance rates
Falling Waters $1,185
Gerrardstown $1,188
Martinsburg $1,188
Bunker Hill $1,198
Shepherdstown $1,199
Shenandoah Junction $1,201
Ranson $1,204
Glengary $1,206
Inwood $1,207
Summit Point $1,209

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.

10 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. The table below displays the top 10 most expensive areas in West Virginia for car insurance based on average rates for a single adult.

Area Car insurance rates
Gilbert $1,736
Kermit $1,726
Justice $1,723
Ragland $1,723
Naugatuck $1,723
Lenore $1,715
Williamson $1,713
Baisden $1,712
Chattaroy $1,712
Newtown $1,710

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.

Minimum car insurance coverage 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:

Liability:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $25,000 per accident

Uninsured motorist:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $25,000 per accident

Bodily injury liability 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 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.

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:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

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?

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.

How to 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 car insurance premium.

Here are six 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
  • Shop for better insurance rates

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.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

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.