Cheap Car Insurance in Wheeling, WV

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

Full Bio →

Written by

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Full Bio →

Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Sep 13, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Are you in need of cheap auto insurance in Wheeling, WV? At, you’ll find the most affordable insurance premiums for your area. To get free car insurance prices offered by the top providers today, enter your zipcode into the quote box in this article.

Wheeling is located in the northern part of West Virginia, right along the Ohio border and conveniently close to I-70, a major interstate which connects it to Pittsburgh, PA and Columbus, OH. The city was the original capital of West Virginia before a convoluted series of court cases, elections, and controversial pieces of legislation finally settled on Charleston as the official capital. Currently, Wheeling acts as a sort of hub for higher education in the state’s northern panhandle.

  • Fun fact: did you know that before its official establishment as a town in 1795, the first settlers of Wheeling referred to the territory as “Zanesburg”? Interested in discovering more about Wheeling? Click here!

Auto Insurance Coverage Requirements in West Virginia

Driving legally in Wheeling requires:

Coverage Requirements Most Common
Bodily Injury Liability 20,000/40,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury 20,000/40,000 20,000/40,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 0 deductible

Keep in mind that many states, like West Virginia, require Uninsured Motorist coverage in addition to Liability in order to drive legally. In the long run, this can protect you in the event of an accident that was caused by a driver who does not have insurance, or a hit-and-run accident.

Here’s something for budget-conscious shoppers looking for West Virginia car insurance: the typical motorist on the highway at this time is having to pay around $210 every month, and that’s only for fundamental coverage. However, Wheeling citizens could possibly get quality insurance for as little as $40/mo* if you let us demonstrate how you can look around to find the best deal.

Average Monthly Auto Insurance PremiumsLegend: Wheeling Erie State Farm Nationwide Allstate Sentry 5101520253035404550$22$36$45$45$52


Between Erie and State Farm, it’s difficult to find a service provider in Wheeling who’s willing to give the average driver a lesser rate. But we highlight the term “average”. If there’s something unique regarding your driver profile, for example a bad credit score or perhaps a storied accident history, you might not have the ability to get such good rates from their store.

Those that supply auto insurance coverage evaluate several elements when establishing insurance quotes, especially gender, accident claims, occupation, education, and multiple cars and drivers. Moreover, premiums differ from business to business. To make sure that you are still paying the cheapest rate, compare cheap Wheeling auto insurance quotes online.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Major Car Insurance Factors in Wheeling

You might feel somewhat helpless as soon as your automobile insurance agency is calculating your rate; after all, many of the variables these people compute aren’t issues you could easily change or control. Fortunately, however, there are a few things which you might be qualified to modify for greater discounts, just like:

Your Zip Code

Where you park your automobile every night will have a significant impact on your auto insurance rate. Usually, auto insurance cost less in rural locations because fewer cars and trucks means a reduced likelihood that you’re going to get in a wreck with some other automobile. The populace of Wheeling is 28,486 plus the usual family income is $32,527.

Fatal Accidents in Wheeling, WVLegend: Wheeling Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 1222222


Automotive Accidents

The number of serious accidents in Wheeling last year can be counted on one hand, with room to spare. And while it’s great for drivers everywhere to have the opportunity to live in a city with safe roads, it’s even better for getting affordable automotive insurance rates.

Fatal Accidents in Wheeling, WVLegend: Wheeling Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 1222222


Auto Thefts in Wheeling

Anti-theft devices are a terrific way to guard yourself from auto thievery. They’re moderately inexpensive, easy to have put in, and once equipped, need no work on your part. And best of all, almost all insurance agencies will give you a discount on your car insurance just by having one! In Wheeling, they had only 54 auto thefts in 2009.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Erie State Farm Nationwide Allstate Sentry 20406080100120140160180200$22$58$36$101$45$91$45$133$52$202


Your Credit Score

There are lots of states within the union where getting an undesirable credit rating will seriously increase the expense of your payments. Regrettably, West Virginia is among such states, as you can tell by searching in the chart below. Some providers, like Sentry, consider a bad credit score this type of risk they won’t sell you insurance whatsoever. Other, more understanding providers, like Nationwide, only improve your premiums with a moderate amount.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Erie State Farm Nationwide Allstate Sentry 1020304050607080$16$42$29$67$37$51$40$61$46$82


Your Age

If you are a parent or guardian with a teenage driver, or perhaps a youthful student looking for insurance by yourself, it’s likely to be a really costly struggle. But receiving targeted grades and taking driving education courses can get you some useful discount rates.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Erie State Farm Nationwide Allstate Sentry 255075100125150175200225$22$78$36$134$45$187$45$163$52$230


Your Driving Record

Your driving history is essential to West Virginia insurance firms – possibly much more compared to other states. To find the best rates, keep serious violations off your record, and look around for an insurer prepared to offer “accident forgiveness” discount rates.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Erie State Farm Nationwide Allstate Sentry 102030405060708090$22$19$29$23$36$39$63$59$45$48$82$61$45$50$59$63$52$89$74$96


Your Vehicle

Ask any insurance professional, and they’ll all most likely tell you an identical factor: it’s too large of the financial risk to buy less coverage than your automobile may be worth. Legally, under certain conditions, it may be possible. But chances are that the inadequate coverage won’t shell out on most claims, and you’ll be 100% accountable for all expenses.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Erie State Farm Nationwide Allstate Sentry 153045607590105120135150$22$71$36$122$45$101$45$160$52Do Not Sell


Minor Car Insurance Factors in Wheeling

Some of the following factors may surprise you by how much (or little) they will change your automotive insurance rates in West Virginia:

Your Marital Status

Married people, unlike single motorists, can bundle their vehicle insurance together. Also, in case your insurance provider offers various sorts of financial items, you can include multiple different policies towards the total bundle for more savings out of your insurance provider.

Your Gender

Should you ask six different insurance providers whether women or men ought to be billed more for car insurance, you’ll likely get seven different responses to that particular question. It is because there doesn’t exist any scientific data which shows one gender is riskier compared to other. Many providers have no means for factoring gender to their overall rate computations any longer.

Your Driving Distance to Work

Although Wheeling is the smallest of all the West Virginia “bit cities”, it still takes a little bit of time to get around. Average commutes can be as short as 10 or as long as 15 minutes, with some trips lasting as long as 20 minutes behind the wheel. More than 75% of drivers will be on the road by themselves, using their own personal mode of transportation in order to get around. Around 9% will carpool, and close to 8% will walk.

What number of miles do you consider you would need to shave off your everyday commute to get a price reduction in your monthly premium? Five? Ten? The actual number is really nearer to 15-20 miles each day. And that’s just for an average discount of 4-5%.

Your Coverage and Deductibles

Motorists who would like to reduce their monthly premium payments may want to consider raising their deductible. But you need to do some set-up first. Make certain you will find the money for the premium inside a checking account or any other savings account. In the end, you shouldn’t find yourself in trouble with no vehicle when the worst happens and also you can’t manage to pay that greater deductible.

Education in Wheeling, WV

By far, the most popular form of education in Wheeling is a high school diploma; more than 36% of the population has one. Just short of that, an additional 18% of residents have not yet finished all of their high school education. This can be a real drag on your auto insurance rate, because providers have recently begun offering lower rates to motorists who have advanced degrees. Therefore, the less education you have, the more your car insurance may cost you.

Wheeling is a bit of a college town, and well known throughout the West Virginia panhandle for its public and private universities. Wheeling Jesuit University is a private institution which is closely affiliated with the Catholic Church, and also the only Catholic school of its kind within the entire state. For those who aren’t looking to spend four whole years earning a degree, you can also look into the rapidly expanding West Virginia Northern Community College.

Auto insurance is among the most important financial investments you may make as a shopper. You have to make sure you discover a truthful, responsible provider who’s going to follow through on their guarantees. A small number of car insurance providers are usually better at this than others, and doing a thorough internet search may help you separate the favorable from the unfavorable.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


West Virginia Office of the Insurance Commissioner

West Virginia Division of Financial Institutions

Department of Highway Safety and Motor Vehicles

Get started comparing rates right away. It will only take a couple of minutes, and you will save a ton of money!

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption