Key Takeaways
- Dairyland, National General and Progressive offer some of the cheapest car insurance in West Virginia.
- The average cost of minimum coverage in West Virginia is around $130 per month.
- Compare quotes from 50+ insurers to find the cheapest car insurance in West Virginia.
If you’re looking for cheap car insurance in West Virginia, consider insurers like Dairyland, National General and Progressive. These companies were among the most affordable options in the state, according to real quotes for Jerry customers.
Here are more cheap insurers in West Virginia for both minimum and full coverage, plus by age, driving history and credit score.
To find the best car insurance in West Virginia, compare car insurance quotes from multiple insurers.
Cheap minimum coverage car insurance in West Virginia
West Virginia drivers looking to maintain insurance without unnecessary costs frequently rely on minimum coverage policies. These plans are designed to handle only the financial consequences of accidents you cause, not your own car’s repair. They’re often chosen by drivers with dependable older cars or limited mileage.
Below are the cheapest auto insurance companies in West Virginia for minimum coverage. Exploring competitive rates can help West Virginians stay legally insured for less.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $70 | $838 |
| National General | $122 | $1,460 |
| Progressive | $125 | $1,503 |
| Dairyland | $131 | $1,576 |
| Root | $148 | $1,777 |
| Clearcover | $150 | $1,797 |
Car insurance requirements in West Virginia
West Virginia’s car insurance requirements are:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
- $25,000 in uninsured/underinsured motorist coverage per person.
- $50,000 in uninsured/underinsured motorist coverage per accident.
- $25,000 in uninsured/underinsured motorist property damage coverage per accident.
Cheap full coverage car insurance in West Virginia
Getting affordable full coverage auto insurance in West Virginia involves selecting a policy that prepares you for unexpected expenses. Full coverage usually consists of liability, collision and comprehensive protection — covering incidents such as weather damage, car crashes, break-ins and falling limbs. For high-value vehicles, this coverage can be essential.
These are the cheapest car insurance companies in West Virginia for full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $161 | $1,926 |
| Commonwealth Insurance | $177 | $2,124 |
| Assurance America | $191 | $2,297 |
| Bluefire | $211 | $2,533 |
| Progressive | $215 | $2,577 |
| Root | $256 | $3,067 |
| National General | $277 | $3,321 |
| Electric | $316 | $3,788 |
| Dairyland | $326 | $3,913 |
| Bristol West | $362 | $4,341 |
If you have a loan or lease on your vehicle, the lender will require
Average car insurance costs for young drivers in West Virginia
West Virginia teens and young adults often see elevated insurance premiums due to insurers’ concerns about inexperience. Mountain roads and changing weather conditions can amplify perceived risk and even good drivers can’t escape higher initial costs tied to age. Incentives for completing certified driving programs may ease the premiums for young drivers.
Below are the average costs of car insurance in West Virginia for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $341 | $4,094 |
| 21-24 | $259 | $3,103 |
Cheap minimum coverage in West Virginia for a 20-year-old
In West Virginia, liability-only insurance might appeal to 20-year-olds looking for budget-friendly coverage. This plan provides essential legal coverage without the added financial pressure of a full coverage policy.
Below are the cheapest auto insurers in West Virginia for 20-year-olds with minimum coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Clearcover | $124 | $1,483 |
| Root | $178 | $2,140 |
| Progressive | $192 | $2,305 |
| Dairyland | $219 | $2,628 |
| National General | $305 | $3,664 |
Cheap full coverage in West Virginia for a 20-year-old
A 20-year-old in West Virginia might go for full coverage if they rely on their car for school or work where protection from sudden costs is essential. Full coverage policies can help avoid debt or loss of transportation in case of an accident.
Below are the cheapest auto insurers in West Virginia for 20-year-olds with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $555 | $6,659 |
| Dairyland | $613 | $7,353 |
| Clearcover | $724 | $8,682 |
| National General | $778 | $9,331 |
Average auto insurance costs for mature drivers in West Virginia (25-54)
In West Virginia, drivers with a history of clean driving often qualify for cheaper insurance rates as they’re seen as less likely to cost the insurance company money. That confidence is reflected in their policy pricing as long as they maintain a good driving record.
Below are the average costs of car insurance for drivers in West Virginia between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $203 | $2,438 |
| 35-44 | $176 | $2,109 |
| 45-54 | $150 | $1,798 |
Cheapest minimum coverage in West Virginia for a 35-year-old
In West Virginia, a 35-year-old might choose liability-only insurance for a vehicle that’s still running but holds limited value. This option fulfills legal duties while lightening monthly expenses and it suits practical drivers who know how to manage risks efficiently.
Here are the most affordable insurers in West Virginia for 35-year-olds with minimum coverage policies, according to real car insurance quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $93 | $1,111 |
| Clearcover | $123 | $1,476 |
| Dairyland | $127 | $1,523 |
| Progressive | $131 | $1,571 |
| Root | $135 | $1,620 |
Cheapest full coverage in West Virginia for a 35-year-old
A 35-year-old in West Virginia may turn to full coverage for more complete financial protection. Driving through rural areas often means limited access to immediate repairs and comprehensive policies help reduce downtime and unexpected expenses. It’s a reliable choice for those who value security over simply the cheapest policy option.
These are the cheapest car insurance companies in West Virginia for 35-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $233 | $2,795 |
| National General | $266 | $3,194 |
| Root | $277 | $3,329 |
| Dairyland | $368 | $4,410 |
Average car insurance costs for older drivers in West Virginia (55+)
In West Virginia, drivers over 55 may see rising insurance costs as insurers evaluate how aging impacts their safe driving abilities. Even with a clean record, these risks factor into rate changes as insurers aim to match premiums to realistic safety profiles as drivers get older.
Below are the average costs of car insurance for drivers in West Virginia 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $172 | $2,064 |
| 65+ | $146 | $1,757 |
Cheapest car insurance in West Virginia by driving history
Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket, at-fault accident or other citation.
Cheap car insurance for drivers with clean records in West Virginia
Drivers with clean records in West Virginia are typically eligible for better insurance deals. A violation-free history shows you’re careful and consistent behind the wheel and this can improve your access to policy options and favorable terms. Insurers reward drivers who demonstrate low risk.
Here are the most affordable insurers in West Virginia for those with clean driving records, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $126 | $1,514 |
| Progressive | $155 | $1,855 |
| National General | $166 | $1,996 |
| Dairyland | $180 | $2,160 |
| Root | $207 | $2,483 |
Cheapest car insurance with a speeding ticket in West Virginia
A speeding ticket in West Virginia may seem minor, but insurers take it seriously as it reflects a lapse in safety. Multiple violations can lead to increased costs and fewer policy options.
These are the cheapest car insurance companies in West Virginia for drivers with a speeding ticket, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $146 | $1,751 |
| Commonwealth Insurance | $149 | $1,791 |
| Gainsco | $151 | $1,812 |
| Bristol West | $152 | $1,820 |
| Assurance America | $183 | $2,200 |
Cheapest car insurance after an at-fault accident with no injury in West Virginia
Even when no one is injured, being at fault in an accident in West Virginia has insurance consequences. Property damage claims still represent financial responsibility and insurers factor these events into your future premiums. These incidents can remain on your record for several years.
Below are the cheapest auto insurers in West Virginia for people with an at-fault accident with no injury on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $200 | $2,402 |
| Root | $208 | $2,494 |
| Dairyland | $227 | $2,726 |
| National General | $240 | $2,880 |
| Bristol West | $277 | $3,326 |
Average auto insurance costs for West Virginia drivers with other violations
Other infractions in West Virginia, such as driving without insurance or disobeying traffic signs, are reviewed carefully by insurers. They indicate risky or careless behavior and insurers track these over time when deciding your rates. Keeping your record clean helps avoid premium hikes at renewal time.
Below are average car insurance costs in West Virginia for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $158 | $1,896 |
| Defective Equipment | $214 | $2,567 |
| Driving on Sus. License | $230 | $2,760 |
| Failure to Obey Traffic Sign | $269 | $3,226 |
| Other | $235 | $2,818 |
Cheapest auto insurance for low credit scores in West Virginia
In West Virginia, a low credit score may affect how insurers evaluate your insurance risk. It can lead to changes in price or plan structure as financial responsibility is considered an important part of your overall profile.
Drivers in West Virginia with low credit scores typically pay more for car insurance than those with higher scores. These are the cheapest car insurance companies in West Virginia for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bristol West | $142 | $1,700 |
| Gainsco | $151 | $1,812 |
| Progressive | $170 | $2,044 |
| Dairyland | $196 | $2,357 |
| National General | $210 | $2,518 |
Learn more: How a credit-based insurance score works
How to find cheap car insurance in West Virginia
Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.
You can also try these tips to lower your auto insurance costs:
- Ask your insurer about discounts you qualify for.
- Improve your credit score.
- Install a telematics app on your phone.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
More: Best car insurance companies
Factors that affect car insurance costs in West Virginia
How much you pay for coverage depends on a variety of factors, including your:
- ZIP code.
- Driving history.
- Vehicle’s year, make, and model.
- Claims history.
- Car usage and miles driven.
- Deductible amount.
More: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
