Good news for West Virginia drivers: Jerry’s latest data shows that liability coverage in the Mountain State averages about $279 per month. Over the past year we’ve helped 2,045 West Virginians lower their premiums, and drivers who switch with Jerry save an average of $3,117 annually without losing the coverage they rely on.
Jerry compares quotes from up to 6 trusted insurers in West Virginia to build your policy and help you secure your best rate in minutes.
Save on West Virginia insurance with Jerry.
What West Virginia drivers are paying right now
West Virginia’s insurance prices shift more than many drivers expect. Steep, winding mountain roads, long rural commutes, seasonal fog, coal-truck corridors and some of the highest deer-collision rates in the country all shape what you pay. Two drivers with similar profiles can still see very different premiums depending on their ZIP code, commute patterns and exposure to mountainous terrain.
Jerry tracks live quotes across West Virginia to show you what drivers are paying today. Below are recent full coverage policies purchased through Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rate occasionally. In West Virginia, road conditions, seasonal changes and minor shifts in your driving profile can all move your premium at renewal.
4 simple ways Jerry helps West Virginia drivers save on car insurance
Saving on car insurance isn’t just about finding the cheapest number on a page. Real savings come from understanding which rating factors matter in West Virginia and adjusting only what you can safely change.
Jerry makes that easy by comparing real offers, surfacing discounts you may not know you qualify for and showing you exactly where to find meaningful savings.
Here are our top tips to help you spend less and worry less.
| How to save | Average West Virginia driver savings |
|---|---|
| Compare quotes | 36% to 78% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 13% to 71%* |
| Use telematics | 10% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
West Virginia is a state where pricing varies sharply by insurer. Mountain curves, wet-weather crashes, elevated wildlife risk and long-distance rural driving all weigh differently depending on the company. One insurer may rate heavily for rural exposure; another may focus more on injury claim costs along major routes like I-64 or I-79.
The result: quotes for the same driver can look nothing alike. Comparing rates side by side with Jerry is the fastest way to make sure you aren’t overpaying.
Here’s where West Virginia drivers who saved most often switched after checking their rates with Jerry:
| Insurance carrier | West Virginia drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 29% | 31% |
| Root | 10% | 28% |
| Bristol West | 8% | 27% |
| National General | 7% | 30% |
| Assurance America | 6% | 28% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Drivers in mountainous counties, river valleys or high-traffic corridors can face very different risks and prices. Jerry shows you those differences immediately so you can choose the best value.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
West Virginia drivers often qualify for more discounts than they realize. Safe-driver savings, multi-vehicle policies, paperless billing, bundled home and auto, good-student discounts and anti-theft devices are all common, but insurers don’t always apply everything automatically.
Jerry identifies every discount you’re eligible for so nothing gets overlooked.
Key takeaway: Stacking discounts typically saves more than raising your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
Choosing your deductible is one of the simplest ways to influence your rate. West Virginia drivers deal with steep grades, narrow mountain roads, fog-prone areas and the nation’s third-highest deer-collision rate. Be sure to pick a deductible you can truly afford if you have to file a claim.
Here’s what Jerry drivers are choosing for their deductibles:
To find the right deductible:
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Review your car’s value (Jerry updates this every month).
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Choose a deductible you could realistically pay out of pocket.
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Check how each deductible level affects your rate instantly.
The Jerry difference: Jerry shows you real-time pricing for multiple deductible levels so you can confidently balance cost and protection.
Jerry Agent Tip 4: Use telematics to set your rate
Telematics programs reward good driving habits… and in a state with sharp curves, wildlife crossings and unpredictable mountain weather, smooth driving makes a real difference. Jerry data shows that West Virginia drivers who use telematics save up to 10% on average.
Jerry’s DriveShield monitors your driving, scores your habits and automatically shops for lower rates when you qualify. We only share your drive score with insurers when it could earn you a discount.
Get personalized car insurance rates now.
How to get better coverage without overpaying
West Virginia requires 25/50/25 liability coverage and uninsured/underinsured motorist (UM/UIM) protection. With steep mountain roads, higher crash severity in rural areas and frequent deer-related collisions, many drivers choose more than the minimum.
Here are the coverage tiers you’ll see:
Minimum
$68 – $137/mo
Meets state liability and UM/UIM requirements but doesn’t protect your own car.
Full
$130 – $299/mo
Adds collision and comprehensive, often required if you lease or finance your vehicle.
Standard
$179 – $384/mo
Builds on full coverage with stronger limits or medical payments protection.
Preferred
$182 – $445/mo
Higher liability limits, lower deductibles and extras like towing or rental reimbursement mean top protection.
Key takeaway: Start with your comfort around risk and your vehicle’s value. Jerry shows you real-time pricing for every tier so you can choose confidently.
The cheapest West Virginia policy is liability-only, but supplemental coverages can make a major difference when winter weather or wildlife strikes.
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Coverage definitions
West Virginia insurance factors at a glance
West Virginia’s terrain and travel patterns make insurance pricing unique. Insurers weigh local crash severity, weather exposure and rural driving heavily, which is why the same driver may get dramatically different quotes by ZIP code.
Steep, winding roads
Mountain grades and sharp turns increase crash frequency, making collision insurance important.
Deer collisions
West Virginia often leads the nation in wildlife-crash rates. (This falls under comprehensive coverage.)
Weather patterns
Fog, snow and rapid temperature shifts affect visibility and road safety.
Uninsured drivers
Around 8% of drivers statewide are uninsured, making UM/UIM valuable.
West Virginia Insurance After a Ticket, Accident or SR-22
Jerry makes sure one mistake doesn’t dictate your rate long term. We partner with insurers that consider your full profile and automatically re-shop your policy as your record improves.
If you got a ticket
West Virginia assigns points for speeding and other moving violations. Even one ticket can raise your premium for several years depending on the severity. Some drivers may reduce point impacts by completing a state-approved defensive driving course.
After your violation clears, Jerry checks for better prices automatically.
Here are the average rate increases we’ve seen for West Virginia drivers after a ticket:
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Speeding under 15: -4%
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Speeding over 15: 34%
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Failure to obey traffic sign: 4%
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Reckless driving: 18%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
West Virginia is an at-fault state. An at-fault crash increases premiums by an average of 24%, and those higher prices can last three to five years. Jerry helps you lock in the best available rate immediately and re-shops your policy when the accident drops off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $392 |
| At Fault With Injury | $398 |
| At Fault With No Injury | $439 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI in West Virginia triggers heavy penalties and long-lasting insurance increases. Most drivers see their rates rise by -28% on average, and many must carry an SR-22.
Jerry identifies insurers that offer reasonable high-risk pricing and re-shops your policy as your record improves.
Here are the five cheapest insurers for West Virginia drivers after DUIs:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $150 | Yes | |
| $221 | Yes | |
| $490 | Yes | |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in West Virginia
West Virginia may require an SR-22 filing after certain violations, uninsured crashes or suspensions. Select the SR-22 option in the Jerry app to see only insurers that handle the filing. Most charge about $25 per year for this paperwork.
Car Insurance with Bad Credit
West Virginia allows insurers to use credit-based insurance scores when setting premiums, so your credit history can influence what you pay. But it’s not the only factor: driving record, claims, annual mileage and your chosen coverage all affect pricing as well.
Maintaining continuous coverage, keeping a clean record and choosing the right deductible often make a bigger difference than credit alone. Jerry helps you compare rates instantly so you can find the insurer that treats your profile most competitively.
Average rates in South Carolina by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
West Virginia’s rugged terrain, winding roads and wildlife activity mean the best insurance isn’t just the cheapest. Instead, consider the coverage that matches how and where you actually drive.
Jerry makes it easy to build a policy tailored to West Virginia’s realities and automatically re-shops when your price can improve.
Get West Virginia coverage in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
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.
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.
