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Who Has the Cheapest Auto Insurance Quotes for Good Drivers in West Virginia?

Enter your West Virginia zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 12, 2019

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Figuring out which companies quote the cheapest insurance rates for good drivers takes a bit more effort than just quoting one company’s rates.

Each insurance company has a unique formula to set premium rates, so let’s look at the rankings for the overall cheapest insurance companies in West Virginia.

Enter your zip code below to view companies that have cheap auto insurance rates.

What’s the cheapest car insurance in West Virginia?
Rank Company Cost Per Year
1 Erie $904
2 The Hartford $1,060
3 State Auto $1,266
4 USAA $1,274
5 Westfield $1,301
6 Progressive $1,524
7 Nationwide $1,536
8 State Farm $1,553
9 Encompass $1,588
10 GEICO $1,744
11 Motorists Mutual $1,750
12 Safeco $1,767
13 California Casualty $1,788
14 Allstate $2,230
15 Liberty Mutual $3,211
16 Sentry $3,923
Find Your Rate Go

Erie may offer some of the lowest car insurance rates in West Virginia at around $904 per year. The Hartford, State Auto, USAA, and Westfield also rank well as some of the cheaper West Virginia auto insurance companies.

As shown above, if you are a customer of State Auto and switched to Erie, you may see a yearly price reduction of in the vicinity of $362. Insureds with USAA could save as much as $370 a year, and Westfield policyholders might cut rates by $397 a year.

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Bear in mind that those policy rates are averages for all types of drivers and the different vehicles they drive and are not factoring in a rate decrease for good drivers. So the insurer that is best suited for you may not even be in the above list. That points out the importance of why you need to quote rates from many companies using your own driver and vehicle profiles.

Enter your zip code below to view companies that have cheap auto insurance rates.

When shopping for the cheapest insurance for safe drivers, one of the many criteria that establish rate quotes is where you live in West Virginia. Areas with more people like Beckley, Elkins, and Pea Ridge tend to pay slightly more, whereas areas that tend to be more rural get the luxury of paying less.

The illustration below displays the higher priced cities in West Virginia for good drivers to purchase a policy in.

West Virginia cities ranked by car insurance cost
Rank City Annual Rate
1 Beckley $1,406
2 Bluefield $1,392
3 Elkins $1,374
4 Huntington $1,366
5 Pea Ridge $1,362
6 Charleston $1,350
7 South Charleston $1,350
8 Princeton $1,343
9 Parkersburg $1,342
10 Teays Valley $1,335
11 Oak Hill $1,335
12 Cross Lanes $1,327
13 Nitro $1,325
14 Dunbar $1,310
15 St. Albans $1,309
16 Moundsville $1,302
17 Bridgeport $1,299
18 Wheeling $1,290
19 Fairmont $1,289
20 Vienna $1,284
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Premium costs are comparative as the garaging address in West Virginia can impact insurance rates substantially.

The diagram below shows how choosing a deductible can influence yearly insurance costs when quoting cheap insurance for good drivers. The data assumes a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

As shown above, a 50-year-old driver could reduce rates by $362 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $546 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old, could shave $1,192 every year just by using higher deductibles. When increasing deductibles, it is essential to have additional funds in a savings account to be able to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Who is cheaper: Geico, Allstate, State Farm, or Progressive?

If you are looking for the best auto insurance, the most popular companies are Geico, Allstate, State Farm, and Progressive. When combined, they make up over 48% of all car insurance policies written. The table below ranks pricing and service ratings, as well as optional policy coverages offered by each company.

Top Car Insurance Company Ratings
Geico Allstate State Farm Progressive
Client Satisfaction 1st 2nd 4th 3rd
Price Overall 1st 4th 2nd 3rd
Policy Discounts 2nd 1st 3rd 4th
Handling of Claims 3rd 1st 2nd 4th
Rating from A.M. Best A++ A+ A++ A+
Rideshare coverage Yes Yes Yes Yes
Mechanical breakdown insurance Yes No No Yes
Emergency roadside service Yes Yes Yes Yes
Accident forgiveness Yes Yes No Yes
New car replacement coverage No Yes No No
Usage-based rating No Yes Yes Yes
Where you can buy Online or through a Geico agent Only buy from Allstate agents State Farm exclusive agents Buy online or from an independent agent
Number of agents 150+ 11,000+ 18,000+ 30,000+
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Who has the cheapest insurance quotes for safe drivers?

There are quite a few ways to get cheap insurance quotes in West Virginia, but the most prevalent ways are from an exclusive insurance agent such as State Farm or Allstate, an independent agent, or direct from companies such as Geico or Progressive.

Each way has the same basic process, but each is slightly different in how they provide price quotes.

Independent agencies work with multiple companies and can quote your policy with every one. These types of agencies are not required to write business for one company and can give you a larger rate selection, which may give you the best chance of finding a lower price. If a cheaper price is found, your policy can be easily switched to a different company without having to get a different agent.

An exclusive ageny is able to place business with just one company, examples being State Farm and Allstate agents. Exclusive agents cannot compare rates from other companies, so it’s a take it or leave it situation.

Buying insurance direct means you forego local agents and instead buy direct either online or via phone. Shopping for insurance direct may be preferred by consumers who do not need advice for asset protection and understand how insurance works.

So out of those three methods, which one works best to buy the cheapest car insurance for good drivers in West Virginia? One answer would be buying direct yields the cheapest rates since no commissions are paid to an agent, but that does not always hold true. A valid argument could also be made that buying insurance from an independent agent results in the best rates due to more options, but that assumption is also not accurate. For some people, the exclusive agents may have very competitive prices that independents and direct companies can’t touch.

Since insurance prices are based on many different factors, the best way to make sure you’re not overpaying for insurance is to compare lots of quotes. Smart shoppers will get quotes from all three types to give yourself the best selection. For a list of companies with online discounts, click here to view.

How to find the cheapest car insurance for good drivers

It’s not impossible to find cheaper rates, and here are many penny-pinching suggestions that can help you find the cheapest coverage.

  • On older vehicles, drop full coverage
  • Do not get tickets or violations
  • Safer vehicles generally have cheaper insurance rates
  • Better credit rating means better rates
  • Increase your policy deductibles
  • At-fault accidents will increase rates
  • Shop around once a year for cheaper rates

That final tip is remarkably important, as was noted in the article above. Prices charged by companies vary considerably, so don’t be tentative to buy a different policy if a cheaper rate is available.

Staying with the same company for years is fine, but it’s not a great idea if your bullheadedness ends up costing you a wad of cash every year. In less than five minutes you could compare rates and find cheaper insurance for good drivers.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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