Compare car insurance quotes in West Virginia
Jerry is a free app trusted by 5,261 West Virginia drivers that compares insurance quotes from top carriers.
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Buy, bundle and switch right in the app.
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Average West Virginia car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $153 a month for state minimum and $382 a month for full coverage. But in West Virginia, Jerry drivers pay:
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$70 to $144 per month for state-mandated minimum coverage.
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$170 to $370 per month for full coverage.
The best way to find a policy that fits a specific budget is to review quotes from at least three to five insurance companies. Over the last 12 months, Jerry has helped West Virginians save an average of $832 per year by finding and showing competitive coverage options side by side.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry can help and do the legwork so you can compare quotes and get covered in West Virginia in under 10 minutes. The process is entirely online and free. That means no spam calls because we never sell your data. You stay in control, but if you prefer to talk to a real person, you can connect with a licensed agent anytime.
Keep in mind that rates vary from driver to driver based on things like your history on the road, the car you own and where you’re located. Here are some full coverage rates that Jerry drivers in West Virginia have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
One of the best ways to save on home insurance in West Virginia is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What West Virginia drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage, or just choosing the cheapest car insurance in West Virginia, shopping around helps you find the right fit.
Jerry helps you find quotes from up to 9 trusted insurers in the Mountain State, so you get the full picture of what’s available and how much you should be paying.
Here are some of the most recent quotes Jerry has been able to pull for West Virginia drivers looking for different levels of coverage, and how much each one saved.
Recent quotes in West Virginia
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
West Virginia car insurance coverage requirements
West Virginia drivers are required to buy a combination of liability insurance and uninsured motorist coverage to legally drive their car. The minimum coverage requirements in this state are:
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$25,000 in bodily injury liability per person.
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$50,000 in bodily injury liability per accident.
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$25,000 in property damage liability per accident.
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$25,000 in uninsured/underinsured motorist coverage per person.
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$50,000 in uninsured/underinsured motorist coverage per accident.
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$25,000 in uninsured/underinsured motorist property damage coverage per accident.
While this makes you legal to drive, it won’t protect you against many major accidents or damage to your own car. For better protection, many Jerry drivers increase their coverage limits and buy comprehensive and collision coverage. Considering nearly 8% of West Virginia drivers are uninsured, it might also be a good choice to raise your uninsured/underinsured motorist (UIM) limits.
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Coverage definitions
Factors affecting West Virginia car insurance rates in 2026
Steep grades and winding roads
Mountain routes come with tight turns, elevation changes, and limited shoulders. Those road features can increase crash risk and damage severity, which is why collision coverage plays an outsized role for many drivers here.
Deer strike frequency
West Virginia is known for a high rate of wildlife-related crashes, especially with deer. Animal impacts typically fall under comprehensive coverage (not collision), so it’s a key part of protection if you drive outside town often.
Fog, snow, and quick temperature shifts
Low visibility is a common hazard, from dense fog in valleys to sudden freezing conditions on higher roads. Slowing down and increasing following distance helps, and a manageable collision deductible makes it easier to use your coverage if weather contributes to a crash.
Uninsured drivers
Around 8% of West Virginia drivers are uninsured. UM/UIM coverage is still worth considering, since even a smaller uninsured share can leave you exposed in a serious accident.
Limited passing zones and head-on crash risk
Two-lane roads with fewer safe passing opportunities can create risky moves and more severe collisions when mistakes happen. Strong liability limits can matter more in these settings because injuries and property damage can escalate quickly.
Landslides and falling rock hazards
In mountainous areas, heavy rain and freeze-thaw cycles can trigger rockfalls or slides that leave debris in the roadway. Comprehensive coverage can help if debris damages a parked vehicle, and staying alert after storms can reduce the odds of a high-cost claim.
Average cost of car insurance in major West Virginia cities
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City
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Average monthly cost
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City
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Average monthly cost
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| $252 | |
| $265 | |
| $235 | |
| $231 | |
| $270 | |
| $306 | |
| $241 | |
| $285 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get West Virginia quotes in as little as 2 minutes.
Learn more about driving in West Virginia
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
FAQ
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Is West Virginia an at-fault insurance state?
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What happens if I am caught driving without insurance in West Virginia?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.