Cheap Auto Insurance Quotes in West Virginia

The words “low-cost” and “auto insurance” really don’t belong together, specifically when you are trying to find the cheapest coverage in West Virginia. To help control this cost, let’s introduce you to some of the factors that influence insurance premiums, and figure out some ideas to reduce the cost of your next policy.

One of the many things that aid in calculating the amount you pay each year for auto insurance is where you choose to live. Areas with a lot of weather claims or more people like Beckley, Bluefield, and Oak Hill will most likely have higher rates, whereas less populated areas have the benefit of cheaper auto insurance prices.

The table below ranks the most expensive places in West Virginia in which to buy car insurance.

Premium costs are approximated as specific West Virginia zip code can raise or lower insurance rates significantly.

Finding out which insurers offer the cheapest insurance rates in West Virginia will involve a tad more effort in order to find a policy that fits your budget.

Each insurance company has their own unique process for establishing rates, so let’s look at the rankings for the most budget-friendly insurance companies in West Virginia. It’s important to understand that West Virginia insurance rates are impacted by many factors which can substantially decrease or increase the price of your policy. Simply turning a year older, buying a home, or having an accident may cause policy rate changes resulting in some companies being more affordable than the competition.

Erie generally has some of the cheapest car insurance rates in West Virginia at around $913 per year. The Hartford, State Auto, Westfield, and USAA also make the cut as some of the cheaper West Virginia auto insurance companies.

As the example above demonstrates, if you are a policyholder with Westfield and switched to The Hartford, you may see an annual savings of roughly $254. West Virginia drivers with USAA might save as much as $266 a year, and Progressive insureds might lower prices by up to $434 a year.

To find cheap auto insurance quotes in West Virginia for your vehicle, click here to start a quote or visit any of the low-priced companies below.

It’s important to note that these premium estimates are averaged for all drivers and vehicles in West Virginia and do not take into consideration a price decrease in West Virginia. So the auto insurance company that can offer you the best price may not even be in the chart above. That point stresses why you need to quote rates from many companies using your own specific driver information and vehicle.

The vehicle you are buying coverage for is one of the primary factors when quoting cheap auto insurance quotes in West Virginia. Vehicles with high performance, poor crash test ratings, or high incidents of liability claims will cost much more to insure than safer, lower-performance models.

The next table estimates car insurance costs for a handful of the most budget-friendly automobiles to buy insurance for.

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and West Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in specific location information which can revise insurance rates substantially.

By looking at the data, you can infer that makes and models like the Honda Accord, Toyota Prius, and Ford Escape are most likely going to be the less-costly vehicles to insure for drivers in West Virginia.

Best insurance company in West Virginia

Choosing the right insurer can be a challenge considering how many different companies insure vehicles in West Virginia. The ranking data shown next could help you pick which insurers to look at purchasing a policy from.

These rankings are only made up of companies that write coverage in many states, so companies with more of a regional focus will not be included in the list. If you would like to check rates from these and other competitive companies, click this link.

Top 10 Major Auto Insurers in West Virginia Ranked by Customer Service

1. USAA
2. AAA Insurance
3. Nationwide
4. Safeco Insurance
5. Progressive
6. State Farm
7. The Hartford
8. The General
9. Esurance
10. GEICO

Top 10 Major Auto Insurers Overall in West Virginia

1. USAA
2. AAA Insurance
3. Nationwide
4. Allstate
5. State Farm
6. The Hartford
7. Safeco Insurance
8. Progressive
9. American Family
10. Esurance

Discount West Virginia insurance

Insurers that offer cheap auto insurance quotes in West Virginia may provide premium discounts that can lower rates by 25% or more if you meet eligibility requirements. Larger insurance companies and some of their more popular discounts include:

• Progressive includes discounts for online quote discount, multi-vehicle, continuous coverage, multi-policy, and good student.
• GEICO offers discounts for federal employee, emergency military deployment, multi-vehicle, multi-policy, daytime running lights, anti-theft, and driver training.
• State Farm may offer discounts for accident-free, student away at school, anti-theft, passive restraint, good driver, and multiple autos.
• Esurance has discounts for good student, defensive driver, anti-theft, safety device, and paid-in-full.
• The Hartford offers discounts including defensive driver, driver training, air bag, vehicle fuel type, bundle, anti-theft, and good student.

The diagram below illustrates the comparison of premium costs with and without discounts being applied to the rates. The prices are based on a male driver, no claims or driving violations, West Virginia state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with passive restraint, vehicle safety, claim-free, marriage, multiple vehicle, and safe-driver discounts applied. With discounts applied, the average amount saved on insurance in West Virginia is 28% or $581.

Why you should be shopping around

West Virginia insurance rates are calculated based on many things which can substantially decrease or increase the price you have to pay. Improving your credit rating, buying higher coverage limits, or getting a couple of tickets can trigger changes in premium that may make certain companies cheaper than competitors. Not only may things change on your end, but auto insurance companies file new West Virginia car insurance rates as needed to help ensure profitability. A period of higher than normal claims may cause rate increases, while lower claims can cause lower-priced West Virginia car insurance rates.

As an example, the data below shows rates for the cheapest car insurance in West Virginia for a 40-year-old male driver with a good driving record, no prior claims, and solid credit. If we estimate rates based on his current situation, Erie might offer the lowest car insurance rates in West Virginia at $931 annually. This is $849 less than the average policy premium paid by West Virginia drivers of $1,780. The Hartford, Westfield, State Auto, and USAA round out the rest of the cheapest West Virginia auto insurance companies.

In the next rate comparison, we’ll give the driver in the first example a couple of claims, bad credit, and a stop sign violation. Due to the fact that every insurance company uses their own calculation to determining premium rates, comparing prices most likely will result in a different set of the cheapest West Virginia car insurance companies as shown below.

The Hartford now has the lowest car insurance rate in West Virginia with State Farm, Nationwide, Encompass, and GEICO now being in the top five. This demonstrates why it is important to compare lots of rates to find cheap auto insurance rates in West Virginia.

Auto insurance prices can be determined by many factors and can change substantially, so the most affordable company the last time you shopped your coverage around may now be wasting a lot of money.

Find cheap auto insurance quotes in West Virginia

Below you’ll find some of the better money-saving solutions that can help you locate lower-cost coverage.

• Drive vehicles with five-star safety ratings
• Increase your credit rating
• At-fault accidents can raise rates significantly
• On older vehicles, drop full coverage
• Buy your homeowners policy from the same company as your auto insurance
• Shop around for lower rates once a year

The last tip is very crucial, as was pointed out in the prior article. Prices change frequently, so drivers shouldn’t be resistant to buy a policy from a new company if you can save money. Staying with the same car insurance company is fine, but it’s not recommended if that loyalty ends up costing thousands of dollars over the life of your policy. It only takes a couple minutes to shop around and find cheaper auto insurance in West Virginia.