Cheap Auto Insurance in West Virginia for 2025 (Save Money with These 10 Companies)
USAA, State Farm, and Geico are our top picks for cheap auto insurance in West Virginia, with rates starting at $25 per month. USAA ranks first, prioritizing military members, while State Farm is known for its accident forgiveness. Geico offers online convenience for West Virginia drivers.
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Jeffrey Manola
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Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Apr 23, 2025
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6,589 reviewsCompany Facts
Min. Coverage in WV
A.M. Best Rating
Complaint Level
Pros & Cons
6,589 reviews
18,154 reviewsCompany Facts
Min. Coverage in WV
A.M. Best Rating
Complaint Level
Pros & Cons
18,154 reviews
19,116 reviewsCompany Facts
Min. Coverage in WV
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviewsUSAA, State Farm, and Geico are the best picks for cheap auto insurance in West Virginia. Monthly rates start at $25. These companies offer affordable coverage and significant discounts in West Virginia.
WV top providers are renowned for policy customization and many options to secure affordable auto insurance premiums.
Our Top 10 Company Picks: Cheap Auto Insurance in West Virginia
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $25 | A++ | Military Discounts | USAA |
 | #2 | $29 | B | Accident Forgiveness | State Farm |
 | #3 | $31 | A++ | Online Convenience | Geico |
 | #4 | $39 | A+ | Broad Discounts | Nationwide |
 | #5 | $41 | A+ | Credit Coverage | Progressive |
 | #6 | $44 | A+ | Senior Benefits | The Hartford |
 | #7 | $51 | A | Policy Customization | Farmers |
 | #8 | $60 | A+ | Local Agents | Allstate |
 | #9 | $63 | A+ | Low Rates | Erie |
 | #10 | $72 | A | Custom Coverage | Liberty Mutual |
Read more through our car insurance guide to secure cheap auto insurance rates tailored to your vehicle requirements and needs. Enter your ZIP code to compare car insurance quotes in West Virginia.
- USAA, State Farm, and Geico offer cheap auto insurance in West Virginia
- USAA is our top pick, offering the cheapest rates at only $25 per month
- Geico and USAA are rated A++ by A.M. Best in West Virginia
Compare rates and what these top providers are well-known for to save money on cheap auto insurance in West Virginia while meeting your vehicle requirements.
#1 – USAA: Top Overall Pick
Pros
- Exclusive Military Benefits: Unique and special discounts are offered to military personnel, securing affordable coverage in West Virginia.
- Top-Rated Customer Service: USAA makes sure that policyholders get quick assistance without paying too much.
- Low Premium Rates: As explained in our USAA auto insurance review, it is one of the most affordable options in WV.
Cons
- Restricted Eligibility: It is limited to military members and their families only, making it restricted to the general public.
- Limited Physical Locations: It’s not widely available, making it inconvenient for West Virginians who prefer to be assisted personally.
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#2 – State Farm: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Coverage is more affordable because this feature prevents an increase in premium after an accident.
- Strong Local Agent Network: State Farm is widely available, making it convenient for West Virginians to personalize their premiums.
- Bundling Discounts: Combining your home and auto policy can significantly help you lower your overall insurance cost.
Cons
- Expensive for Poor Credit Scores: Drivers in West Virginia with lower credit scores will not appreciate affordable rates as per our State Farm auto insurance review.
- Limited Digital Tools: The online app is not as advanced as other providers in managing options.
#3 – Geico: Best for Online Convenience
Pros
- User-Friendly Digital Experience: Geico’s online tool can be easily navigated by West Virginians to find affordable premiums.
- Competitive Rates for Good Drivers: They offer great savings for safe drivers in West Virginia.
- Wide Range of Discounts: Savings programs like military and multi-policy discounts help lower costs, as our Geico auto insurance review suggests.
Cons
- Lack of Local Agents: Drivers in West Virginia who like in-person assistance can find the lack of agents a drawback.
- Inconsistent Customer Service: Long-term affordability can be affected by delays in claims processing, as reported by policyholders.
#4 – Nationwide: Best for Broad Discounts
Pros
- Multiple Discounts: Nationwide’s SmartRide and SmartMiles programs help West Virginia drivers lower their premiums.
- Vanishing Deductible: According to our Nationwide auto insurance review, you can save big on your premiums with their vanishing deductible for safe driving.
- Financially Stable Company: This feature provides competitive rates without compromising reliability, proven by its A+ rating.
Cons
- Not the Cheapest Option: West Virginian drivers can find more affordable rates from competitors.
- Driving Behavior Tracking: WV drivers may find it a drawback since programs require usage-based tracking.
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#5 – Progressive: Best for Credit Coverage
Pros
- Fair Rates for Lower Credit Scores: Progressive offers the most affordable rates, ideal for budget-conscious drivers.
- Snapshot Safe Driving Program: Responsible drivers in West Virginia can earn discounts and save big on their premiums.
- Gap Insurance Available: This feature is a helpful option for preventing an increase in your premium cost while paying your car loan.
Cons
- Higher Rates for Risky Drivers: It may not be the most affordable for drivers in West Virginia with tickets or a history of accidents, as mentioned in our Progressive auto insurance review.
- Mixed Customer Service Reviews: Policyholders in the area report delays in claims processing and unexpected costs.
#6 – The Hartford: Best for Senior Benefits
Pros
- Specialized for AARP Members: The Hartford provides options to senior drivers of West Virginia seeking budget-friendly policies.
- Accident Forgiveness for Older Drivers: Sudden premium hikes can be prevented through accident forgiveness, as explained in our The Hartford auto insurance review.
- RecoverCare Benefits: This feature helps with costs like home services, which reduces expenses and helps you save.
Cons
- Higher Premiums: It may not be the most affordable, especially for younger drivers.
- Not Ideal for Younger Drivers: The Hartford is limited to seniors, which may be a drawback for younger drivers.
#7 – Farmers: Best for Policy Customization
Pros
- Extensive Coverage Options: West Virginian drivers can customize their coverage to get the best policy.
- Strong Agent Network: Farmers is widely available in West Virginia, which helps drivers personalize service.
- Accident and Small-Claim Forgiveness: This feature keeps the premiums from going up after minor accidents.
Cons
- Higher Rates Than Competitors: West Virginian drivers may find lower minimum coverage rates from other insurance providers.
- Fewer Discount Opportunities: As explained in our Farmers auto insurance review, this feature does not provide many savings programs compared to other insurers.
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#8 – Allstate: Best for Local Agents
Pros
- Large Local Agent Network: Drivers in West Virginia who prefer in-person service may find this feature budget-friendly and efficient.
- Diverse Coverage Options: This feature includes assistance on the roadside, which helps reduce costs.
- Drivewise Safe Driving Program: This feature rewards drivers who practice the habit of safe driving, as explained in our Allstate auto insurance review.
Cons
- High Premiums for Full Coverage: Allstate does not have the most affordable full coverage rates for drivers in West Virginia.
- Slow Claims Process: Policyholders in West Virginia report delays in claims handling, as per their experience.
#9 – Erie: Best for Low Rates
Pros
- Quite Affordable: Erie is one of the cheapest auto insurance providers in West Virginia.
- High Claims Satisfaction: It’s also one of the most reliable claims service providers, which helps drivers save big.
- Rate Lock Feature: This feature ensures policyholders are protected from sudden increases in their premiums.
Cons
- Limited Availability: Erie is limited to selected areas only, as mentioned in our Erie auto insurance review.
- Lacks Advanced Digital Tools: Drivers in West Virginia may find better online services from other insurance providers.
#10 – Liberty Mutual: Best for Custom Coverage
Pros
- Highly Customizable Policies: Liberty Mutual, as mentioned by area residents, is one of the best providers of customizable policies in West Virginia.
- RightTrack Safe Driving Program: Drivers who practice safe driving habits can enjoy significant discounts.
- 24/7 Claims Support: Liberty Mutual is always available to provide assistance with any questions policyholders might have.
Cons
- More Expensive Unless You Qualify: If you do not maximize discount programs, rates can be higher than those of competitors.
- Mixed Customer Reviews: According to our Liberty Mutual auto insurance review, some drivers in West Virginia are frustrated with the rising premiums over time.
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Car Insurance Coverage and Rates in West Virginia
If you haven’t conducted any research for your coverage, you should first learn about the coverage requirements, laws related to insurance, and the premium rates you might have to pay.
West Virginia Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $60 | $162 |
| $63 | $169 |
| $51 | $139 |
| $31 | $83 |
| $72 | $196 |
| $39 | $104 |
| $41 | $110 |
| $29 | $79 |
| $44 | $115 |
| $25 | $67 |
This insurance guide will provide you with all the necessary information to get accurate details before buying a policy or premium.
We will provide you with West Virginia auto insurance monthly rates by provider and coverage level, and car insurance discounts from the top providers in West Virginia.
Auto Insurance Discounts From the Top Providers in West Virginia
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy Discount, Safe Driving Club, Defensive Driver Discount, Good Student Discount, Anti-Theft Device Discount, Early Signing Discount |
| Safe Driver Discount, Multi-Policy Discount, Young Driver Discount, Vehicle Safety Equipment Discount |
| Multi-Policy Discount, Good Student Discount, Safe Driver Discount, Homeowner Discount, Business and Professional Group Discount |
| Multi-Policy Discount, Good Driver Discount, Defensive Driving Discount, Good Student Discount, Military Discount, Federal Employee Discount |
| Violation-Free Discount, Multi-Car Discount, RightTrack Program |
| Multi-Policy Discount, SmartRide Program, Good Student Discount, Defensive Driving Discount, Anti-Theft Discount, Safe Driver Discount, Automatic Payments Discount, Accident-Free Discount |
| Multi-Policy Discount, Snapshot Program, Good Student Discount, Homeowner Discount, Online Quote Discount, Paperless Discount |
| Accident-Free Discount, Defensive Driving Course Discount, Drive Safe & Save Discount, Driver Training Discount, Good Driving Discount, Good Student Discount |
| AARP Member Discount, Multi-Vehicle Discount, Defensive Driver Course Discount, Anti-Theft Device Discount, Driver Training Discount |
| Military Discounts, Safe Driver Discounts, Multi-Policy Discounts, Good Student Discounts |
This will help you better understand how to get cheap car insurance premiums and save on your auto insurance rates while meeting your vehicle requirements and needs. Compare auto insurance companies by entering your ZIP code.
Minimum Car Insurance Coverage Requirements in West Virginia
In West Virginia, you aren’t allowed to drive a motor vehicle without the required amount of insurance coverage. That’s why you must carry the state-mandated minimum car insurance coverage.
West Virginia Minimum Auto Insurance Coverage Requirements
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
All auto owners in West Virginia must buy bodily injury liability coverage with minimum limits of $25,000 per person and $50,000 per accident. In addition, you must carry property damage liability coverage of $25,000.
You must carry proof of insurance coverage in your car at all times. West Virginia also allows motorists to show electronic proof of insurance on any wireless device.
Types of Auto Insurance Coverage
| Types of Coverage | What it Covers |
|---|---|
| Collision | Collision helps to recover the cost of repair or replacement if your car is damaged due to a collision with another object, such as tree, fence, or another car. |
| Comprehensive | Comprehensive covers damages to your car that happen due to causes out of your control, such as storms, theft, fire, etc. |
| Medical Payments | Med Pay helps to cover the medical expenses from injury to you or your passengers in an accident irrespective of the fault. |
| Personal Injury Protection (PIP) | PIP, as the name suggests, kicks in to cover your personal injury expenses in an accident irrespective of fault. Along with medical expenses, PIP also covers lost wages. |
One thing you must note about liability coverage is that it only covers third-party expenses of personal injuries and damages in an accident. To cover your own damages, you will need to buy additional coverage.
If you are wondering how fault or liability is determined in a car accident, claims for car accidents are pursued differently in at-fault and no-fault states. Since West Virginia is an at-fault state, the party responsible for causing the accident is required to cover the damages sustained by the third party.
In no-fault states, each party in an accident pursues the insurance claim with their own company irrespective of fault. As you must cover your own expenses after an accident, if you’re the at-fault party, we recommend that you look at options for additional coverage.
West Virginia Additional Liability Coverage
| Loss Ratio | 2015 | 2014 | 2013 |
|---|---|---|---|
| Medical Payments (Med Pay) | 64.70% | 66.43% | 66.16% |
| Uninsured/Underinsured | 49.24% | 51.71% | 58.05% |
Collision and comprehensive coverage, though not mandatory, are usually part of the auto policy as these cover damages from any collision or natural event. For personal injuries, you can choose either medical payments or personal injury protection (PIP).
As the names suggest, you would get reimbursed for your medical expenses or personal injuries from both of these coverage options. However, if you choose PIP, it would also cover rehab expenses and lost wages.
West Virginia Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Accidents per Year | In 2021, West Virginia reported 281 car crash fatalities, indicating ongoing safety challenges on its roads. |
| Claims per Year | Specific data on the total number of auto insurance claims filed annually in West Virginia is not readily available. |
| Average Claim Cost | In 2022, the average auto liability claim for property damage in the U.S. was $6,551, and for bodily injury, it was $26,501. |
| Percentage of Uninsured Drivers | In 2022, 14.0% of motorists nationwide were uninsured. Specific data for West Virginia is not provided. |
| Vehicle Theft Rate | Specific data on vehicle theft rates in West Virginia is not readily available. |
| Traffic Density | Specific data on traffic density in West Virginia is not readily available. |
| Weather-Related Incidents | Specific data on weather-related traffic incidents in West Virginia is not readily available. |
Having both for medical expenses wouldn’t be sensible since they serve the same purpose. If you feel that the limits aren’t enough, you can always raise the policy limits.
Two factors affecting your car insurance rates include age and gender. As you age, you become more experienced in driving, which translates to a lower probability of car accidents.
West Virginia Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Vehicle Theft Rate | A- | Although specific data is limited, West Virginia is generally considered to have lower vehicle theft rates compared to national averages. |
| Traffic Density | B+ | The state has relatively low traffic density compared to more urbanized states, potentially contributing to lower accident rates. |
| Average Claim Size | B | While specific state data is limited, national averages indicate moderate claim sizes, suggesting a similar trend in West Virginia. |
| Weather-Related Risk | B | West Virginia experiences diverse weather conditions, including snow and ice, which can impact driving conditions. However, it does not face extreme weather events as frequently as some other states. |
| Uninsured Drivers Rate | B | With 14.0% of motorists nationwide uninsured in 2022, West Virginia's rate is presumed to be around this average, indicating room for improvement. |
After turning 25, you pay more or less the same premiums unless a specific factor increases your rates. The premium rates also vary by gender for young drivers, and 17-year-old male drivers pay much more than their female counterparts.
If you’re a young driver in West Virginia, State Farm Mutual Auto, Nationwide Mutual, and USAA would be reasonable choices for you. Another factor impacting how much you pay for your car insurance is your ZIP code.
West Virginia Auto Insurance by ZIP Code
| ZIP Code | Rates |
|---|---|
| 25511 | $210 |
| 25669 | $209 |
| 25534 | $205 |
| 25699 | $205 |
| 26059 | $158 |
| 25401 | $159 |
| 25405 | $159 |
| 25404 | $159 |
| 25305 | $168 |
| 25701 | $173 |
Elements like the density of population, theft rates, and the number of accidents in your area help underwriters calculate the risk associated with driving in a particular zip code. These factors are significant in understanding how you can save on your premium.
Read more: Factors that Affect Your Car Insurance Premiums
Understanding the Best Car Insurance in West Virginia
The cheapest car insurance providers in West Virginia are USAA, State Farm, and Geico, which are renowned for providing affordable coverage and discount opportunities in the area.
With a bundling discount, you can save from 10% to 25% on your car insurance in West Virginia.
Jeff Root Licensed Insurance Agent
To secure affordable premiums for you and your vehicle needs, learn how to lower your auto insurance premiums by comparing rates from multiple insurers. Find the cheapest auto insurance in West Virginia by entering your ZIP code.
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Frequently Asked Questions
What are the differences between liability-only and full coverage auto insurance in West Virginia?
Liability-only coverage in West Virginia covers third-party damages, while full coverage includes comprehensive and collision protection for the policyholder’s vehicle.
How does West Virginia’s at-fault insurance system impact claims and premiums?
Since West Virginia is an at-fault state, the driver responsible for an accident must cover damages, potentially leading to higher premiums for at-fault drivers. Understand it better by entering your ZIP code.
Which factors most significantly affect car insurance rates in West Virginia?
Age, gender, credit score, and ZIP code are the factors that affect auto insurance rates, with younger male drivers and those in high-risk areas typically paying more.
What are the minimum car insurance coverage requirements in West Virginia?
West Virginia requires minimum coverage of $25,000 per person/$50,000 per accident for bodily injury liability and $25,000 for property damage liability, similar to many other states.
How do auto insurance discounts help West Virginia drivers reduce their premiums?
Discounts like bundling, military savings, and safe driving programs help West Virginians lower their insurance costs by rewarding responsible driving and policy management. Enter your ZIP code to take advantage of more discounts.
Why are USAA, State Farm, and Geico considered the top choices for affordable car insurance in West Virginia?
USAA, State Farm, and Geico are top choices due to their low base rates, strong customer service, and solid car insurance discounts.
How do telematics programs help drivers save on their insurance premiums?
Telematics programs like Progressive’s Snapshot and Liberty Mutual’s RightTrack track driving habits to offer discounts based on safe driving behavior.
What are the pros and cons of choosing a provider with a strong local agent network versus an online-focused provider?
Providers with local agents, like State Farm and Allstate, offer personalized service, while Geico provides lower rates with the convenience of fully online policy management. Save on car insurance in West Virginia by entering your ZIP code.
What additional coverage options should WV drivers consider to ensure financial protection?
West Virginia drivers should consider collision, comprehensive, and gap insurance to protect against accidents, theft, and vehicle depreciation in case of a total loss.
Read more: Anti-Theft Device Discount
How do ZIP code-based factors influence car insurance premiums in West Virginia?
Insurance premiums vary by ZIP code due to factors like crime rates, accident frequency, and population density, with urban areas generally having higher costs.