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Cheap Auto Insurance in West Virginia: Best Companies & Quotes
Best Car Insurance Companies in West Virginia
- State Farm
|AM Best Financial Strength Rating||A||A++||A+||A++||A+||A+|
|JD Power 2019 Overall Customer Satisfaction score||5/5||5/5||5/5||3/5||3/5||3/5|
|Avg Annual Premium||$385||$497||$511||$801||$837||$883|
|Consumer Reports Reader Score||N/A||78||86||78||72||72|
Auto Insurance Statistics in West Virginia
Auto insurance rates in West Virginia have been slightly consistent for the past few years.
Top 10 Cheapest Car Insurance Companies in West Virginia
|Rank||Company Name||Avg. Annual Premium|
Drunk Driving Fatalities
Drinking and driving can sadly lead to fatalities and this is why the practice is illegal. Understanding the dangers of drinking and driving can help drivers to make different choices. In West Virginia, the rate of drunk driving fatalities has been on the decline when compared to national averages. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in West Virginia vs. nationwide.
Drunk driving fatalities in West Virginia from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in West Virginia is at a rate that is considerably less than the national average. The data below demonstrates the level of drinking and driving taking place in West Virginia when compared to other states around the country.
Teen Drinking & Driving in West Virginia vs. Nationwide
Source: Center For Disease Control
SR-22 Insurance in West Virginia
If you commit a driving offence in West Virginia, the DMV may require you to purchase an SR-22 certificate to prove that you have proper coverage. This is a common requirement if you want to reinstate your license. Your insurance provider will need to submit your SR-22 form directly to your West Virginia DMV.
It can be difficult to find an affordable SR-22 plan in West Virginia. This is largely due to the fact that you don’t have a perfect driving record. If you’ve committed an infraction that requires you to purchase an SR-22 policy, your premiums will naturally rise. For this reason, it’s critical to compare the market before you make a purchasing decision.
Car Theft in West Virginia
Car theft in West Virginia has been almost half that of the national average which is good news for car owners. To protect against loss from vehicle thefts, it is important to consider obtaining comprehensive car insurance coverage. Understanding the number of car thefts in West Virginia will help drivers to have a more comprehensive understanding of the level of risk they take while driving and owning a vehicle in the state.
Vehicle thefts by rank Nationwide vs. West Virginia
Uninsured Motorists in West Virginia
Without car insurance, when an accident occurs, drivers have to pay directly out of pocket for property damage and other expenses. This is why it is best to carry some form of uninsured and underinsured motorist coverage. The below data shows how well West Virginia ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
Source: Insurance Information Institute
West Virginia has some of the cheapest auto insurance rates in the whole nation. Residents of West Virginia do not have many choices when it comes to picking an auto insurer compared to some states. This is because there is a handful of them in operation in the state and they include Westfield, Allstate, Sentry, and Metlife. The average blended price for a premium in the state is still cheaper than other states in the nation although there are fewer auto insurers. Some insurers may not apply to everyone because they cater to specific individuals. California Casualty is a specialty insurer that offers insurance to drivers that are nurses, firefighters, educators, and peace officers.
The insurers with the cheapest annual rates are Erie, State Farm, Westfield, and GEICO. They offer $715, $965, and $1,100 respectively. State Farm and Westfield have similar rates and share the number two spot on the list. An Erie car insurance quote is close to half that of the state average. This echoes the fact that one can get auto insurance at a low price. Metlife and Sentry are on the higher end of the list offering rates that are higher than the state average. Sentry has the highest rates in the state of $3206 which is more than twice that of the state average whereas Metlife’s rates are 23% more than the average. It is prudent for one to compare at least three quotes from different insurers before choosing an insurer. It is important to consider the fact that this data was obtained from drivers with good records so the rates might be higher or lower for you depending on your situation. The credit record of a driver also determines the rates that they will receive. Putting these factors into consideration before choosing an insurer is good.
There are several cities and towns in West Virginia such as Charleston, Wheeling, Fairmont, and Parkersburg. The cheapest insurer in all the major cities and towns is still Erie. This means that their pricing is consistent across all areas. The next two spots were held varyingly by Westfield and State Farm. They are also among the top three in the whole state. It is safe to choose any of these three insurers no matter where you are in the state. It is important to note that the rates are higher in some towns compared to others despite the fact that they are the cheapest insurers.
Which regions in the state have the most affordable auto insurance? The city with the cheapest insurance rates in the state is Martinsburg. It has an average of $1241. This is an 11% decrease from the average of the whole state. The city has less than 20,000 residents, and its economy is reliant of healthcare and government employers such as the Veteran Affairs Medical Center and the Berkeley Medical Center. Berkeley Springs comes second with an average rate of $1259. This is less than 20 dollars compared to the rate in Martinsburg. The annual rate is 9% cheaper than the average blended rate in the whole state. The low rates could be attributed to the small number of people in the area since it has a population of only 600 people. It is one of the best art towns in the nation and is located near the Potomac River and the Maryland border. The other locations that completed the top five include Clarksburg, Moorefield, and Keyser. It is interesting to see that all these regions are on the upper side of the state or close to the border of Maryland.
There are some cities whose average rates were more than the overall mean of West Virginia. These cities include Wayne, Madison, Logan, and Williamson. The rates are as high as 20%. It would be best to compare several insurers if you reside in any of these cities since the prices are relatively higher. Auto insurers in West Virginia rank the same when it comes to providing the best service although the cheapest auto insurer is not necessarily the best. Most of these auto insurers received close to no complaints from the customers that they served in the state.
Types of Auto Insurance Coverage in West Virginia:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
Minimum Auto Insurance Requirements in West Virginia
There are minimum requirements for auto insurance in the state of West Virginia. According to West Virginia Law, each vehicle in the state needs to be covered by a minimum of liability insurance coverage
Liability minimums in West Virginia are as follows:
$10,000 coverage for property damage in an accident
$20,000 coverage for injury or death in an accident
$40,000 coverage in an accident if there is more than one person injured or killed.
Source: West Virginia Driver’s Handbook,
Cheap Auto Insurance Discounts
At CheapAutoInsurance.co, we are diligent about providing information to help you save as much as possible on the cost of car insurance. One way to do so is by taking advantage of car insurance discounts. Browse the list below to find some of the auto insurance discounts you can use to save on the cost of car insurance each month or year in West Virginia.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
General Auto Insurance in West Virginia
In this section, you will find general questions pertaining to auto insurance in West Virginia.
How old do I have to be to get insurance on a car in West Virginia?
In the state of West Virginia, you must be a minimum of 18 years old in order to get car insurance for a car. However, if you are under the age of 18, your parents can add a car onto their insurance premium for you.
How long do car accidents stay on your insurance record in West Virginia?
Car accidents can stay on your insurance record in West Virginia for 3 to 5 years. It depends how long the car accidents are kept on your personal driving record.
What if my car insurance is cancelled in West Virginia?
If your car insurance is cancelled in West Virginia, you will need to immediately transfer your car onto a separate insurance policy with another insurance company as soon as possible. Failure to do so can result in serious consequences if you drive your car without car insurance.
What is the West Virginia surcharge on my car insurance?
The West Virginia surcharge on your car insurance is at least .55% of your insurance premium. This surcharge is typically charged on all initial premiums and premiums that are up for renewal.
What are the West Virginia insurance laws when totaling your car?
In West Virginia, the insurance laws as it pertains to totaling your car require you to contact your insurance company as soon as possible. You will also have to gather insurance information from other drivers involved.
I sold my car. Do I need to cancel my insurance in West Virginia?
Yes. If you don’t cancel your car insurance in West Virginia upon selling your car, you will risk just paying for money for insurance coverage that you aren’t using anyway.
How long do you have to put a used car on your car insurance?
You only have a few hours to put car insurance on a used car. If you drive a car on West Virginia roads without the required state car insurance, you risk serious consequences such as loss of driving privileges.
What is the new state law about insurance premiums in West Virginia?
According to West Virginia state law, all insurance premiums must include up to $25,000 for bodily injury per person, $50,000 for bodily injury per accident and up to $25,000 for property damage.
At what age can you have auto insurance in West Virginia?
At the age of 18 years old, you can have your own auto insurance in West Virginia. However, if you are under the age of 18 years old, you will have to be put under your parent or guardian’s insurance policy. See if you qualify for the car insurance good student discount.
For the DMV in West Virginia, what is necessary to cancel auto insurance?
In order to cancel auto insurance in West Virginia, you will have to just cancel your insurance with your insurance company and request a cancellation letter which you can give to the DMV if needed.
How to report car insurance fraud in West Virginia?
In order to report car insurance fraud in West Virginia, you will have to contact the West Virginia offices of the Insurance Commissioner by calling the number (1-800) 779-6853 or (304) 559-5241 or send an email to OIC[email protected]
How to buy car insurance in West Virginia with bad credit?
In order to buy car insurance in West Virginia and you have bad credit, it is best that you shop around for car insurance companies that offer car insurance policies without looking at your credit. We make buying car insurance online easy when you’re ready.
For auto insurance in West Virginia, when do you have to report an auto accident?
For your auto insurance company in West Virginia, you will have to report an auto accident as soon as possible. Failure to report the accident within a span of 30 days can result in a loss of coverages for damages.
How to get car insurance in West Virginia?
In order to get car insurance in West Virginia, you will first have to shop around for auto insurance quotes from car insurance companies near your area. Once you have found a quote for a price that meets your budget, then you could go through with paying for the first month’s premium in order to get covered. Learn more about how to get cheap auto insurance.
How long after an accident can you claim on insurance in West Virginia?
After an accident, you have approximately 24 hours to make a claim on your insurance in West Virginia. This is dependent on your insurance company and the terms of your insurance policy.
What to do after a car accident in West Virginia?
After a car accident in West Virginia, it is best to get all of the insurance information from all parties involved in the car accident, take pictures of any damages done to all cars involved and contact your insurance company as soon as possible to file an accident claim.
I just moved to West Virginia. How soon do I need to transfer my car insurance?
If you just moved to West Virginia, you will have to transfer your car insurance between 14 days and 30 days. This depends on your insurance company, so contact your insurance company directly to be sure.
When did West Virginia require auto insurance?
West Virginia required auto insurance starting in 1927, as many other states in the United States. They required auto insurance 2 years after the first state in the United States did which was Connecticut.
Do I have to have car insurance in West Virginia?
Yes. It is required by Virginia state law to insure all cars that are being driven on West Virginia roads. The minimum insurance required by West Virginia state law is liability insurance. Related: I need cheap car insurance now.
Auto Insurance Rates in West Virginia
In this frequently asked question section, you will find questions pertaining to auto insurance rates in West Virginia.
Why is car insurance so expensive in West Virginia?
Car insurance in West Virginia is so expensive due to many factors such as the number of car accident claims made in the state every year, the county you live, and the type of coverage being used.
Who has the lowest car insurance rates in West Virginia?
The cheapest car insurance rates that are offered in West Virginia is from Progressive Insurance. Progressive offers insurance rates starting at an average of $873 for a yearly premium with liability coverage.
What does car insurance cost in West Virginia?
The average car insurance cost in West Virginia can range from $873 to $1,600 for a yearly premium. The cost can range depending on the coverage and the county the car is insured in.
How to lower your car insurance in West Virginia?
There are many ways to lower your car insurance in West Virginia such as:
- Shopping around for the lowest car insurance rates for your county.
- Use higher deductibles.
- Reduce the type of coverage you have for older cars.
- Have good to excellent credit
- Take advantage of car insurance discounts.
How long does my car insurance rate increase after an accident in West Virginia?
Your car insurance rate can increase after an accident in West Virgin for 3 to 5 years. This depends on who was at fault in the accident and whether any laws were broken.
How much is it for liability car insurance in West Virginia?
Liability insurance car quotes in West Virginia can range in cost from $700 to $1,200 for a yearly premium. This is dependent on the county the car is insured in and the personal driving record of the driver.
What should I pay for car insurance in West Virginia?
The average amount that you should pay for car insurance in West Virginia is about $700 to $1,200 a year or $68 to $100 a month. This price will depend on your personal driving record. If you’re able to find no down payment insurance policies then that could save you some cash too.
How much is car insurance in West Virginia for a 22 year old?
The cost of car insurance in West Virginia for a 22 year old can range from $700 per year to as high as $1,800 a year. This is dependent on what type of coverage is purchased and the 22 year old’s driving history. There are also 1,2, and even 3 month car insurance policies if you’re trying to save on longer term costs right now.
How to save money on car insurance in West Virginia?
The best way to save money on car insurance in West Virginia is to take advantage of good driver discounts with your insurance company, maintain good credit, drive safely and shop around for insurance quotes auto comparisons.
How much is car insurance in West Virginia for a 16 year old?
Car insurance in West Virginia for a 16 year old is much higher than it would be for a driver that is over 24 years old. The average cost can range between $1,800 to $3,500 for a yearly premium. Read more: How much car insurance do I need?
Auto Insurance Companies in West Virginia
In this section, you will find questions pertaining to auto insurance companies in West Virginia.
What are the top 10 car insurance agencies in the state of West Virginia?
The top 10 car insurance agencies in the state of West Virginia are:
- Progressive Insurance
- GEICO Insurance
- Erie Insurance
- Westfield Insurance
- State Farm Insurance
- Motorists Mutual Insurance
- MetLife Insurance
- Sentry Insurance
- West Virginia National Insurance
- Liberty Mutual Insurance
What insurance companies cover home and auto insurance in West Virginia?
The insurance companies that cover home and auto insurance in West Virginia are:
- Allstate Insurance
- Liberty Mutual Insurance
- State Farm Insurance
- Nationwide Mutual Insurance
- GEICO Insurance
- Progressive Insurance
- Farmer’s Insurance
- Erie Insurance
You’re likely to see even more options if you search for a list of car insurance companies near me in any search engine.
What happens with your insurance company when you total your car?
When you total your car, after you have reported a claim, your insurance company will take into consideration the police report, witness statements and damage pictures of the accident scene before approving or denying an accident claim.
What is the cheapest car insurance coverage in West Virginia?
The cheapest car insurance coverage in West Virginia is liability insurance. Most liability insurance rates will range in price from $68 to $100 a month for the basic state required liability coverage. Also if you’re insuring a collectors vehicle then getting classic car insurance will save you a lot. Learn more about how to switch car insurance companies if you’re trying to lower your costs.
In West Virginia, who governs what car insurance companies do?
In West Virginia, car insurance companies are governed by the West Virginia Offices of the Insurance Commissioner which ensure insurance companies in West Virginia are following the law and insuring policy holders for the state recommended amounts.
Auto Insurance Coverage in West Virginia
In this frequently asked question section, you will find general questions regarding auto insurance coverage in West Virginia.
In West Virginia, what type of car insurance must you have?
In West Virginia, the type of car insurance that you must have as required by state law is liability insurance which must include property damage per accident and bodily injury coverage per person.
What amount of car insurance is mandatory in West Virginia?
The amount of car insurance that is mandatory in West Virginia is liability insurance with a minimum coverage of $25,000 for bodily injury per person, $50,000 for total bodily injury per accident and $25,000 for property damage per accident.
What does the state of West Virginia require for bodily car insurance?
The state of West Virginia requires a minimum of $25,000 for bodily injury car insurance that covers per person and a minimum of $50,000 for total bodily injury insurance per accident.
What type of auto insurance do I need in West Virginia?
The type of auto insurance that you need in West Virginia will depend on the county that you live and whether it is a high-risk area. Minimum you will need liability insurance in the state of West Virginia.
What is the bare minimum auto insurance that is needed in West Virginia?
The bare minimum auto insurance that is needed in West Virginia is liability insurance coverage. This coverage must include bodily injury coverage, total bodily injury coverage and property coverage protection.
In West Virginia, when do you need to add your licensed teenager to your car insurance?
In West Virginia, you will need to add your licensed teenage to your car insurance the day they receive their license. It is best to add them to your policy to protect your car from damages in the case of an accident. Finding cheap car insurance for new drivers under 21 is possible even if it takes a bit more searching.
What insurance coverage do you need when buying a used car from a private seller in West Virginia?
Even if you are purchasing a used car from a private seller in West Virginia, you will need a minimum insurance coverage of liability insurance before driving any car on West Virginia roads.
For an older car, what do I need for car insurance in West Virginia?
For an older car in West Virginia, you will need the basic liability coverage insurance. However, if your car is older than 30 years of age, you can apply for a classic car insurance discount.
In West Virginia, do you have to have full coverage insurance?
No. In West Virginia, it is completely up to you what type of insurance coverage you want for your car. This will depend on the county you live, if you live in a high-risk area and whether your car is financed or leased. Don’t fret though because there are ways to get the cheapest full coverage auto insurance without breaking the bank.
No Auto Insurance in West Virginia
In this frequently asked question section, you will find questions pertaining to having no auto insurance in West Virginia.
What percentage of drivers in West Virginia don’t have auto insurance?
The percentage of drivers in West Virginia that don’t have auto insurance is around 10.1% of the entire population of West Virginia. West Virginia ranks #32 in the United States for uninsured drivers.
What happens if you get pulled over without car insurance in West Virginia?
If you get pulled over without car insurance in West Virginia, you can risk having your car towed or being arrested for driving with no insurance. This can also result in loss of driving privileges and fines.
If I live in West Virginia, have no car insurance and got hit by somebody, what do I do?
If you live in West Virginia, have no car insurance and got hit by somebody, there is nothing you can do. While you can report the accident, you will have to pay for the damages out of your own pocket.
A West Virginia uninsured driver doesn’t have car insurance. How do I get compensation for an accident?
If you get hit by an uninsured driver in a car accident in West Virginia, the only way you will be able to get compensation for the accident is to take legal action against the uninsured driver.
If you get into a car accident in West Virginia without car insurance, can you go to jail?
Yes. If you get into a car accident in West Virginia without car insurance, you can possibly get arrested. This can also result in losing your driving privileges, hefty fines and possible auto insurance rate hikes.
When would I need non-owner insurance in West Virginia?
There are a number of scenarios where non owner insurance would make since. For example, if you got a DUI and need insurance to drive vehicles other than your own. In this scenario we could help you find cheap sr22 non owner insurance with our quote form.