West Virginia Car Insurance Rates

Estimated auto insurance rates in West Virginia for 2018 are $1,360 annually for full coverage. Comprehensive, collision, and liability coverage cost around $302, $552, and $352, respectively. Elkins and Bluefield tend to have higher average rates, and the two most popular companies in West Virginia are State Farm and Nationwide.

Average rate for full coverage: $1,360

Price estimates for individual coverage:

Comprehensive $302
Collision $552
Liability $352

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range of Auto Insurance in West Virginia

For a driver in their 40's, insurance rates go from as cheap as $414 for basic liability insurance to a high rate of $2,934 for a driver who has had serious violations or accidents.

Liability Only $414
Full Coverage $1,360
High Risk $2,934

These rate differences show why all drivers should compare rates for a specific zip code and their own personal driving habits, rather than using average rates.

Use the form below to get accurate rates for your location.

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West Virginia car insurance rate comparison chart
Column chart showing West Virginia car insurance prices range from $782 to $5,002 for full coverage

Chart shows West Virginia auto insurance prices for different situations. The cheapest price with discounts is $782. West Virginia drivers who use higher $1,000 deductibles will pay about $1,166. The average price for a driver age 40 with no violations using $500 deductibles is $1,360. Using lower $100 deductibles for comprehensive and collision insurance can cost as much as $1,738. Drivers with multiple violations and accidents could be charged up to $2,934. The policy rate for full coverage insurance for a 16-year-old driver is $5,002.

Car insurance rates in West Virginia also have a wide range based on your vehicle choice, your driver profile, and deductibles and policy limits.

Where you choose to live in West Virginia makes a big difference in auto insurance rates. Rural areas may have rates around $1,000 a year, while Elkins and Bluefield may see rates upwards of $1,600. Even different areas within a few miles of each other in the same city can have a wide range of rates.

These price discrepancies emphasize the importance of getting rates based on where you live in West Virginia.

View Chart as Image

West Virginia insurance rates by city

The company you choose definitely has an impact on price. In each state, every insurer has a different rate structure, and prices can range greatly based on indivdual risk characteristics. In West Virginia, car insurance prices range from $922 with Erie to as much as $3,884 with Sentry. Companies like The Hartford, State Auto, and Westfield fall in the middle.

Those are not necessarily the exact rates you would pay, as the vehicle you are insuring, any driving violations, and your location in West Virginia all influence the price.

West Virginia Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1State Farm26.56%$1,523
2Nationwide13.55%$1,567
3Erie Insurance13.53%$922
4Geico8.74%$1,710
5Allstate7.71%$2,276
6Progressive5.19%$1,509
7Liberty Mutual4.55%$3,243
8The Hartford3.63%$1,039
9USAA3.56%$1,300
10Westfield2.54%$1,288
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

Using high physical damage deductibles could save up to $580 a year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $317 extra every 12 months. View Rates by Deductible or Liability Limit

Your choice of vehicle has a significant impact on the price you pay for insurance in West Virginia. Choosing to drive a less expensive and lower-performance model will save money on insurance because of lower cost for replacement parts and reduced frequency of accidents.

The next table shows auto insurance estimates for some of the more popular vehicles insured in West Virginia.

West Virginia Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,4345.2%
Dodge Ram$1,4747.7%
Ford Escape$1,132-20.1%
Ford Focus$1,316-3.3%
Ford Fusion$1,4425.7%
Ford F-150$1,278-6.4%
GMC Acadia$1,252-8.6%
GMC Sierra$1,4123.7%
Honda Accord$1,270-7.1%
Honda Civic$1,4868.5%
Honda CR-V$1,102-23.4%
Honda Pilot$1,292-5.3%
Hyundai Sonata$1,3781.3%
Kia Optima$1,4043.1%
Nissan Altima$1,3982.7%
Nissan Rogue$1,3660.4%
Toyota Camry$1,3861.9%
Toyota Corolla$1,356-0.3%
Toyota Prius$1,260-7.9%
Toyota RAV4$1,282-6.1%
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Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged as much as $5,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers can cost around 44% to 132% more than a normal policy. View High Risk Driver Rates

With so much difference in prices, the only way to know your exact price is to do a rate comparison and see how they stack up. Every company uses a different method to calculate prices, so rate quotes will be substantially different between companies.

West Virginia Auto Insurance Articles

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Rates by Driver Age

West Virginia Insurance Rates by Driver Age
Driver AgePremium
16$5,002
20$3,136
30$1,424
40$1,360
50$1,240
60$1,216

Full coverage, $500 deductibles

Rates by Deductible

West Virginia Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,738
$250$1,564
$500$1,360
$1,000$1,166

Full coverage, driver age 40

Rates by Liability Limit

West Virginia Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,360
50/100$1,430
100/300$1,518
250/500$1,747
100 CSL$1,466
300 CSL$1,659
500 CSL$1,800

Full coverage, driver age 40

Rates for High Risk Drivers

West Virginia Car Insurance Rates for High Risk Drivers
AgePremium
16$7,140
20$4,982
30$3,006
40$2,934
50$2,798
60$2,774

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $188

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$72
Multi-vehicle$70
Homeowner$19
5-yr Accident Free$102
5-yr Claim Free$87
Paid in Full/EFT$64
Advance Quote$68
Online Quote$96
Total Discounts$578
Rate after discounts $782

Discounts are estimated and may not be available from every company or in every state.

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