Best Car Insurance in West Virginia

State Farm insures 25 percent of the providers in West Virginia, making it both the cheapest and largest provider in the state.³

Cheapest Provider in West Virginia

With an average annual rate of $1,296 for full coverage, State Farm is the cheapest provider in West Virginia. Allstate offers the highest average rate ($2,292 annually), with Progressive sitting right in the middle ($1,572).

Several Discounts

State Farm offers state-specific discounts for every region in the U.S., and West Virginians have access to one of the longest lists of State Farm’s discounts.⁴

Here are a few of the ways you can save with State Farm in West Virginia:

• Defensive driver course discount
• Drive Safe & Safe program (up to 30 percent off)
• Driver training discount
• Good driving discount
• Good student discount
• Multi-vehicle discount
• Multi-policy discount
• Passive restraint discount (up to 30 percent off)
• Steer Clear Safe Driver program (for teens)
• Away at school discount
• Vehicle safety discount

Usage-Based Insurance

Drive Safe & Save, State Farm’s usage-based insurance program, tracks your driving habits, generates a driver score, and sets a discount (up to 30 percent off) based on how safely you drive. It tracks things like your turn rate, brake rate, speed, driving time, and other safety-related driving metrics. The safer you drive, the more you’ll save; however, if you drive poorly, your premium could actually increase.

With bundling and homeowner discounts, Liberty Mutual offers multiple ways to save for homeowners in Virginia. It also offers unique coverage perks for teachers and different ways to save by paying digitally.

Discounts for Renters and Homeowners

Liberty Mutual is one of the few providers that offer a homeowner/renter bundling discount as well as a homeowner discount. You can earn up to 25 percent for bundling auto with home/renters insurance.

Several Ways to Bundle

Liberty Mutual offers one of the most flexible bundling discounts on the market. You can save by bundling your auto insurance with the following multi-policy discounts:

• Auto + home
• Auto + renters
• Auto + condo
• Motorcycle + home
• Motorcycle + auto
• Motorcycle + renters
• Auto + auto (multi-vehicle)

Specialized Coverage for Teachers

West Virginia has a 1:14 teacher-to-student ratio, which is one of the highest ratios in the country.⁶ If you’re one of the more than 18,000 teachers in the state, you can sign up for Liberty Mutual’s optional teacher coverage — which offers new ways to save and gain additional coverage for your vehicle/teaching materials.

Here are a few ways to get extra protection as a teacher:

Founded in 1848, Westfield is one of the oldest insurance companies in the U.S. It offers the cheapest rates to drivers in West Virginia with a bad credit score and several incentives for bundlers.

Affordable Insurance for Drivers With Bad Credit

If you have bad credit in West Virginia, there’s a good chance you’ll pay more for car insurance. Westfield offers the cheapest average rate ($1,956) for drivers with bad credit, while State Farm has the steepest average cost ($3,432).

Perks for Bundlers

When you bundle your auto and home insurance with Westfield, you’ll automatically get additional coverage through a Wespak package. Westfield’s Wespak package comes with:

• Loan/lease coverage
• Replacement cost coverage
• Trip protection coverage
• And more

Insurance for Farmers

Westfield was founded by a group of farmers looking to protect their properties and vehicles. Today, it’s expanded to auto, home, business, and more, but you can still get the insurance you need if you’re a farmer.

If you own or work on one of West Virginia’s more than 23,600 farms, you can get the following coverage through Westfield:

• Protection for 45 different types of farms, including dairy, egg production, and wheat
• Coverage for agriculture wholesalers
• Farming equipment
• Tractors and other farming vehicles
• Process and manufacturing centers

Erie is one of the largest and oldest providers in West Virginia, offering affordable overall rates and the best prices for drivers seeking minimum liability insurance. It has excellent customer service scores and coverage perks that automatically come with policies, ensuring your money will go that much further.

Best Rate for Minimum Liability

If you’re looking for the cheapest policy that allows you to drive legally in West Virginia, you’re going to want a minimum liability policy. With average rates as low as $36 per month, Erie is the cheapest provider for liability-only insurance.

Highest J.D. Power Score

J.D. Power gave Erie a score of 863 on its customer service index, making it the second-highest-scoring insurance provider in the Mid-Atlantic region. J.D. Power ranks insurance providers based on claims satisfaction, repair times, ease of communication, and more.

Automatic Perks With All Policies

With additional coverage integrated into every policy, your money will go a lot further with Erie. When you sign up for any car insurance plan, you’ll automatically get:

• Personal belongings coverage: Erie will give you up to $350 for personal belongings that are damaged in a covered claim.
• Pet injury coverage: If you have a pet in the car during an accident, Erie will give $500 in the way of veterinary costs (up to $1,000 total for two pets).
• Travel and transportation expense coverage: If your car is totaled or out of commission while you’re traveling, Erie will pay for up to 10 days of transportation, meals, and lodging costs.

Progressive is one of the largest names in the country and the fourth-largest provider in West Virginia. It offers the best rates after a DUI and several discounts that apply to a variety of drivers.

Best Rates After a DUI

Insurance providers increase their rates by more than $1,000 on average after a DUI in West Virginia. If you’re seeking cheap coverage after a DUI, Progressive is your best bet.

With average rates as low as $168 a month, Progressive is the cheapest provider in West Virginia after a DUI.

Insure Multiple Vehicle Types

From your standard cars and motorcycles to RVs and snowmobiles, you can insure a wide variety of vehicle types with Progressive. Here are all the vehicle types you can insure with Progressive:

• ATV/UTVs
• Boats
• Classic cars
• Golf carts
• Motorcycles
• Personal watercrafts
• RV & Travel Trailers
• Segways
• Snowmobiles

Significant Savings

If you want to grow your auto insurance savings, ask your agent about discounts you may be eligible for. You have multiple ways to save with Progressive, including the following discounts.