Compare Cheap Auto Insurance in West Virginia

USAA offers the lowest full coverage auto insurance rates for drivers in West Virginia. Its annual rate of $1,570 is 29 percent lower than the statewide average of $2,217. After USAA, Erie offers the cheapest rates in the state at $1,812 per year – 18 percent lower than the statewide average.

For military-affiliated drivers, USAA offers the lowest minimum coverage auto insurance rates in West Virginia. Its average annual policy cost of $389 is 40 percent lower than the statewide average of $646. Erie is the second cheapest provider, with an annual rate of $405.

Erie offers the lowest rates for households with teen drivers in West Virginia. Its average annual policy cost of $4,113 is 44 percent lower than the statewide average of $7,302. The second-cheapest provider for teen drivers in the state is Westfield, with an average annual policy cost of $5,187. That’s about 29 percent less than the statewide average.

The cheapest auto insurance provider for drivers with a speeding ticket in West Virginia is USAA. Its average annual policy cost of $1,712 is approximately 35 percent less than the statewide average of $2,649. Erie is the second-cheapest auto insurance provider, with an annual policy cost of $1,871 — 29 percent lower than the statewide average.

Erie offers the cheapest rates for drivers with an at-fault accident on their record. Its annual average policy cost of $2,066 is 30 percent less than the statewide average of $2,964. USAA offers the second-cheapest rates, with an average annual cost of $2,170.

Erie offers the cheapest DUI rates in West Virginia, with an annual average policy cost of $2,572 — around 29 percent lower than the statewide average. USAA ($2,721 annually) and Progressive ($3,091 annually) are not far behind. Progressive is known nationally as a standard carrier that often accepts drivers with DUIs.

On average, auto insurance for drivers with poor credit in West Virginia costs $4,069 annually. At $2,697 per year, USAA offers the lowest rates for eligible drivers who fall in this category. Westfield has the next lowest rates at $2,762.

USAA has the highest rating of our cheapest auto insurance providers in West Virginia in both the J.D. Power Mid-Atlantic Customer Satisfaction and Claims Satisfaction survey, suggesting customers are generally happy with its customer experience and claims process. However, its lower-than-average score from the CRASH Network Insurer Report Card suggests that some auto repair shops have experienced issues with its claims handling, which can affect your experience as a customer.

Along with offering cheaper-than-average rates for most driving profiles, Erie earns strong customer satisfaction scores across the board — suggesting it’s a strong, affordable service for West Virginia drivers.

1. Bundle policies: Bundling auto insurance with other types of insurance often works to lower the cost of both policies. Many providers offer bundles such as home and auto insurance, motorcycle insurance, or classic car insurance.
2. Increase your deductible: The higher your deductible, the lower your insurance premium. Lowering your deductible also means that you’ll pay more before your insurance policy goes into effect if you make a claim, so you should ensure you’re able to cover this cost before going this route. A $1,000 deductible generally strikes a good balance, but ultimately it comes down to your personal finances.
3. Take advantage of discounts: Most providers offer a variety of discounts to help lower your rate. Bear in mind, not every company offers the same auto insurance discounts, and you may need to shop around to find a provider that caters to your profile.
4. Maintain a clean record: Keeping a clean driving record is one of the best ways to keep your rates low. Those with high-risk driver profiles can see their auto insurance rates increase up to 80% (or more) in some cases.
5. Consider telematics discounts: Some providers offer telematics-based discounts, which reduce your auto insurance rates depending on how safely you drive. If you have a violation on your record but generally drive safely, this discount can be especially helpful in lowering your rates.
6. Compare quotes: The cost of auto insurance varies based on your age, driving history, city or town, and other factors. Always get quotes from at least three auto insurance providers to find the lowest rates.

Among West Virginia’s major cities, average rates are highest in Huntington at $2,141 annually. Morgantown and Wheeling have lower average costs.

In West Virginia, it’s required by law that drivers carry bodily injury and property damage liability coverage, as well as uninsured motorist coverage. The minimum legal limits are as follows:

• Bodily injury: $25,000 bodily injury per person/$50,000 per accident
• Property damage: $25,000 per accident
• Uninsured motorist: $25,000 per person/$50,000 per accident⁴

Property damage and bodily injury liability cover damages and injuries you cause to others in an accident. Uninsured motorist covers injuries and other losses you sustain in an accident caused by an uninsured driver, including hit-and-runs. These represent the lowest legal limits, but many drivers opt for higher coverage.

We analyze average premiums in West Virginia for full and minimum coverage for good drivers with good credit, as well as various driver profiles, including those with DUIs, accidents, low credit, and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $50,000 per accident
• Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible