West Virginia Car Insurance Calculator
Calculate your auto insurance cost in West Virginia. Compare with state averages and find savings.
$1,423
Avg Annual Premium
25/50/25
Min Liability
Monthly Avg
$119
Full Coverage
$1,856
Min Coverage
$489
Uninsured Rate
9.2%
West Virginia Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristRequired
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in West Virginia
Mountain roadsRural drivingWeather conditions
Major Metro Areas in West Virginia
CharlestonHuntingtonMorgantownParkersburgWheeling
FAQ
West Virginia Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in West Virginia
The average annual car insurance premium in West Virginia is $1,423, or about $119 per month. Full coverage averages $1,856 annually, while minimum coverage averages $489. Your actual rate depends on your age, driving record, vehicle, and coverage level.
West Virginia requires minimum liability coverage of 25/50/25 ($25,000/$50,000 for bodily injury and $25,000 for property damage). Uninsured motorist coverage is also required.
Key factors affecting West Virginia car insurance rates include: Mountain roads, Rural driving, Weather conditions. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 9.2% of drivers in West Virginia are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your West Virginia car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in West Virginia include: State Farm, GEICO, Progressive, Erie Insurance, Allstate. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
WV Insurance Costs
Average premiums in West Virginia:
- Annual Average$1,423
- Monthly Average$119
- Full Coverage$1,856
- Minimum Coverage$489
WV Requirements
Minimum coverage required:
- Liability25/50/25
- PIP RequiredNo
- UM RequiredYes
- Uninsured Rate9.2%
Top WV Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •Erie Insurance
- •Allstate