Compare Free West Virginia Car Insurance Quotes Online

Please provide a valid zip code.

Compare the best WV car insurance rates today.

Average West Virginia Car Insurance Costs

Since West Virginia has some of the highest insurance costs in the country, you may want to learn some ways to get the best possible rates.

  • State minimum liability on average in West Virginia costs $63 a month or $754 a year. Full coverage auto policies costs around $215 a month or $2,580 a year in WV.

InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in West Virginia – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.

West Virginia Car Insurance

Cheapest Car Insurance Companies in West Virginia

Here are the average policy rates from the cheapest local and national insurance providers in WV from our cost database of used-car drivers who are single, middle aged and have a clean driving record:

Insurance Company:State Minimum Liability:SM Monthly:Full Coverage:FC Monthly:
Erie Insurance$529$44$2,355$196
State Farm$594$49$2,261$188
Allstate$686$57$3,829$319
Nationwide$686$57$2,070$173
GEICO$875$73$2,789$232

Here is a list of popular West Virginia cities and the average costs for car insurance for a state minimum liability and full coverage auto policy.

See Our List of West Virginia City Cost Guides:

West Virginia State Minimum Liability Coverage

Like most states, West Virginia requires some types of insurance with others being optional. The state has set the following minimum liability limits:

Two other types of auto insurance you should consider purchasing are collision and comprehensive insurance. Collision covers damage to your car and to the other vehicle(s) damaged in the crash. Comprehensive coverage will pay out if your car is damagd by wind, hail storms, floods, vandalism, theft and if you hit an animal such as a deer.

Average Car Insurance Costs in West Virginia by County:

Auto Insurance Costs by County:Sedan:SUV:Coupe:Truck:Hybrid:
Adams$791$565$783$664$731
Asotin$823$590$783$699$756
Benton$766$551$841$649$706
Chelan$789$566$808$670$726
Clallam$815$591$868$698$749
Clark$855$621$938$738$784
Columbia$823$590$783$699$756
Cowlitz$854$619$923$736$782
Douglas$771$552$808$650$711
Ferry$851$605$900$705$790

Finding Auto Insurance Resources in West Virginia

There is no shortage of insurance companies stretching from Wheeling to Princeton. Each of them claims to have great rates and fabulous service. Smart West Virginians take the time to compare quotes and read online reviews before buying any insurance.

The best place to begin looking is the West Virginia Department of Transportation. There, you’ll find information on driver’s licenses, insurance and car registration. Also check out the West Virginia Offices of the Insurance Commissioner’s consumer services pages.

Moving to West Virginia: Important Information

As soon as you arrive in The Mountain State, one of the first things you need to do is get everything set up with your driver’s license, title, registration and insurance. For the driver’s license, you need:

Take all of the above along with your current vehicle title, registration and proof of insurance to any regional office to complete the process.

Understanding Driving Laws in West Virginia

West Virginia has a driver violation point system similar to many other states. However, each state assigns a different number of points to each incident and the expiration of the points differs. The state can suspend your driver’s license if you accumulate 12 or more points at the same time.

Regarding alcohol consumption, West Virginia uses the 0.08 percent benchmark for those who are 21 or older like most other states. It is important to note the limit drops to 0.02 percent for those younger than 21 and 0.04 percent for commercial drivers.

Money-Saving Tips for West Virginia Auto Insurance

Even though West Virginia car insurance is more expensive than most other states, there are ways to make sure you get the coverage you need without breaking the bank.

West Virginia Auto Insurance: FAQs

Here are some of the questions that often come up in any discussion of West Virginia car insurance:

Can an insurance company cancel a policy if payment is late?

Yes, even if the payment is only one day late. Most companies put your policy back into force once you have made payment.

Do you need to have insurance coverage for damage to your car in an accident?

The state does not require collision or comprehensive insurance. However, if you have financed your car with a commercial lender or a bank, the lender generally does require both. If you have paid off your car, you can choose not to cover physical damage.

Can the insurance company determine where to repair your damaged vehicle?

No, but it is in your best interest to shop around for the best pricing since the insurer sets a limit on how much it pays for parts and labor for most accidents.

Please provide a valid zip code.