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Automobile insurance coverage in West Virginia is cheaper than the nationwide common. In accordance with our estimates, full protection automotive insurance coverage can begin as little as $903 a yr within the state. Learn on to find the most cost effective suppliers for various kinds of West Virginia drivers.
One can find completely different costs relying on the automotive insurance coverage reductions and applications you qualify for, so we suggest getting a number of automotive insurance coverage quotes whenever you store to seek out the very best match to your wants.
On this article:
- Least expensive automotive insurance coverage in West Virginia
- 5 automotive insurance coverage choices in West Virginia
- West Virginia automotive insurance coverage necessities
- Find out how to get automotive insurance coverage in West Virginia
- Steadily requested questions
- Our methodology
Least expensive automotive insurance coverage in West Virginia
Our price estimates present USAA is usually the most cost effective automotive insurance coverage firm in West Virginia, with a mean fee of $903 a yr. Our estimates apply to full protection automotive insurance coverage for a 35-year-old driver with a clear driving report and good credit score.
Many elements have an effect on your charges, so we’ll have a look at a number of different situations under.
| Automobile Insurance coverage Firm | Estimated Annual Price* |
| USAA | $903 |
| Erie Insurance coverage | $960 |
| Nationwide | $962 |
| State Farm | $1,014 |
| Progressive | $1,221 |
| Geico | $1,415 |
| Allstate | $2,174 |
How a lot is automotive insurance coverage in West Virginia?
In 2018, West Virginia drivers paid a mean of about $939 a yr for automotive insurance coverage, together with minimal protection and full protection insurance policies, in accordance with the Nationwide Affiliation of Insurance coverage Commissioners (NAIC). This was about 11% lower than the nationwide common for that yr of $1,057.
In contrast with different states, West Virginia ranked in twenty fifth place for its common price of automotive insurance coverage.
Least expensive West Virginia automotive insurance coverage for younger drivers
Being a younger driver can considerably elevate your price for a automotive insurance coverage coverage in West Virginia. Our full protection fee estimates present that drivers of their early 20s can usually discover essentially the most inexpensive plans from Erie Insurance coverage, Nationwide, USAA and State Farm.
| Automobile Insurance coverage Firm | Estimated Annual Price* |
| Erie Insurance coverage | $1,269 |
| Nationwide | $1,308 |
| USAA | $1,317 |
| State Farm | $1,358 |
| Geico | $1,528 |
Least expensive West Virginia automotive insurance coverage for drivers with a dashing ticket
For drivers with a current dashing ticket on their report, USAA, Erie Insurance coverage, State Farm and Nationwide are all extra inexpensive choices.
| Automobile Insurance coverage Firm | Estimated Annual Price* |
| USAA | $1,039 |
| Erie Insurance coverage | $1,052 |
| State Farm | $1,097 |
| Nationwide | $1,130 |
| Progressive | $1,680 |
Least expensive West Virginia automotive insurance coverage for drivers with a current accident
Having a current accident in your report makes you a riskier driver within the eyes of automotive insurance coverage corporations. Our fee estimates present USAA is usually the most cost effective possibility, with an estimated price of $1,076 a yr.
| Automobile Insurance coverage Firm | Estimated Annual Price* |
| USAA | $1,076 |
| Erie | $1,150 |
| State Farm | $1,180 |
| Nationwide | $1,349 |
| Progressive | $2,003 |
Least expensive West Virginia automotive insurance coverage for drivers with poor credit score
West Virginia drivers with poor credit score scores will pay a whole bunch extra for automotive insurance coverage premiums yearly. We discovered that Nationwide tends to be essentially the most inexpensive possibility, with a full protection fee estimate of $1,255 a yr. After that, USAA may be round $1,500, whereas protection from different suppliers runs about $2,000 a yr.
| Automobile Insurance coverage Firm | Estimated Annual Price* |
| Nationwide | $1,255 |
| USAA | $1,525 |
| Progressive | $2,034 |
| Geico | $2,099 |
| State Farm | $2,161 |
5 automotive insurance coverage choices in West Virginia
There are a selection of inexpensive automotive insurance coverage choices in West Virginia, and plenty of of them present good customer support. Listed here are 5 choices for shoppers.
| West Virginia Automobile Insurance coverage Firms | Total Score | Protection Score | Price Score |
| 1. Erie Insurance coverage | 7.5 | 8.0 | 9.0 |
| 2. USAA | 9.1 | 8.5 | 9.5 |
| 3. State Farm | 8.6 | 8.5 | 8.0 |
| 4. Nationwide | 8.2 | 9.0 | 7.0 |
| 5. Progressive | 9.0 | 9.0 | 8.5 |
(Our analysis crew considers nationwide elements when scoring suppliers. The rating of suppliers on this desk is particular to automotive insurance coverage in West Virginia.)
1. Erie Insurance coverage
Our estimates present Erie is among the most inexpensive automotive insurance coverage corporations in West Virginia, particularly for younger drivers. Erie gives a number of advantages and add-ons, together with roadside help, rental automotive protection and auto glass restore. The corporate additionally carried out very nicely in J.D. Energy surveys.
Erie Insurance coverage highlights embody:
2. USAA
USAA gives low cost automotive insurance coverage for a lot of drivers in West Virginia. You will get automotive insurance coverage from the corporate if you’re a army member or a veteran, or you probably have rapid household within the service. USAA additionally has excessive scores from J.D. Energy, and it gives numerous additional protection choices, together with accident forgiveness, roadside help and automotive substitute help.
USAA highlights embody:
- 12 reductions
- A+ ranking from the BBB
- A++ monetary ranking from AM Finest
- Excessive scores within the J.D. Energy Auto Insurance coverage Research, J.D. Energy Insurance coverage Buying Research and J.D. Energy Auto Claims Satisfaction Research
3. State Farm
State Farm is usually a good possibility for college kids in West Virginia. With the Steer Clear® app, younger drivers can enhance their expertise and qualify for reductions of as much as 20%. State Farm additionally gives the very best pupil low cost within the business, as much as 25%. Further protection choices from State Farm embody rideshare insurance coverage, roadside help and rental automotive reimbursement.
State Farm highlights embody:
- 13 reductions
- A++ monetary ranking from AM Finest
- Excessive scores within the J.D. Energy Auto Insurance coverage Research, J.D. Energy Insurance coverage Buying Research and J.D. Energy Auto Claims Satisfaction Research
4. Nationwide
Our fee estimates present Nationwide is among the least expensive suppliers in West Virginia, particularly for individuals who have poor credit score scores.
Nationwide’s usage-based insurance coverage, SmartMiles®, is out there for drivers in West Virginia. With this program, you pay a base fee monthly and a fee per mile. It may be a great possibility for individuals who work at home or drive occasionally. Extra protection from Nationwide contains accident forgiveness and hole insurance coverage.
Nationwide highlights embody:
- 9 reductions
- A+ ranking with accreditation from the BBB
- A+ monetary ranking from AM Finest
- Above-average rating within the J.D. Energy Auto Claims Satisfaction Research
5. Progressive
Our fee estimates present Progressive could be a great possibility for high-risk drivers in West Virginia, similar to these with accidents on their information or poor credit score. One factor that units Progressive other than its rivals is that it permits you to examine automotive insurance coverage quotes from different insurance coverage corporations on its web site, which makes buying simple.
Past commonplace automotive insurance coverage protection, Progressive gives extras similar to roadside help, rideshare insurance coverage and a deductible financial savings financial institution. Drivers in West Virginia can use the Progressive Snapshot® program to save cash primarily based on their driving habits.
Progressive highlights embody:
- 13 reductions
- A+ ranking from the BBB
- A+ monetary ranking from AM Finest
West Virginia automotive insurance coverage necessities
In accordance with the West Virginia Workplaces of the Insurance coverage Commissioner, the state requires drivers to hold $25,000 of bodily harm legal responsibility insurance coverage per individual, $50,000 of bodily harm legal responsibility per accident and $25,000 of property injury legal responsibility per accident. The state additionally requires uninsured motorist protection with the identical limits.
West Virginia requires automotive insurance coverage corporations to give you the utmost degree of uninsured motorist protection, which is $100,000 in bodily harm legal responsibility per individual, $300,000 per accident and $50,000 for property injury. You possibly can decline these quantities in your insurance coverage coverage. The state additionally requires corporations to give you underinsured motorist protection with limits that match minimal legal responsibility insurance coverage.
As you could have observed, the state minimal necessities don’t cowl your automotive if you happen to trigger an accident or encounter environmental injury. In addition they don’t cowl any of your accidents if you happen to have been at fault. To be coated below these conditions, contemplate including:
- Medical funds (MedPay)
- Collision insurance coverage
- Complete insurance coverage
Find out how to get automotive insurance coverage in West Virginia
We suggest evaluating auto insurance coverage quotes every time you store for insurance coverage to seek out the very best value and protection.
Steadily requested questions
Why is automotive insurance coverage so costly in West Virginia?
Automobile insurance coverage in West Virginia is cheaper than in 24 different states, in accordance with the NAIC. Our personal fee estimates present that among the extra inexpensive corporations within the state embody USAA, Erie Insurance coverage and Nationwide. In case you are discovering automotive insurance coverage charges in West Virginia to be too costly, store round with suppliers or strive a usage-based program.
Does West Virginia require automotive insurance coverage?
Sure, West Virginia requires legal responsibility insurance coverage and uninsured motorist insurance coverage with limits of 25/50/25. Automobile insurance coverage corporations are additionally required to give you increased ranges of uninsured motorist protection and a few underinsured motorist protection, however you may decline these.
Is West Virginia a PIP state?
No, West Virginia isn’t a PIP state, and you may’t get PIP within the state. If you wish to cowl medical payments, you may get medical funds protection, additionally known as MedPay.
Our methodology
We created a ranking system to formulate our rankings of automotive insurance coverage corporations. We collected information on dozens of auto insurance coverage suppliers to grade the businesses on a variety of rating elements. The tip outcome was an total ranking for every supplier.
Listed here are the elements our scores take into consideration:
- Repute: Our analysis crew thought of market share, scores from business specialists and years in enterprise when giving this rating.
- Availability: Auto insurance coverage corporations with higher state availability and few eligibility necessities scored highest on this class.
- Protection: Firms that provide a wide range of decisions for insurance coverage protection usually tend to meet client wants.
- Price: Auto insurance coverage fee estimates generated by Quadrant Info Companies and low cost alternatives have been each considered.
- Buyer Expertise: This rating relies on quantity of complaints reported by the NAIC and buyer satisfaction scores reported by J.D. Energy. We additionally thought of the responsiveness, friendliness and helpfulness of every insurance coverage firm’s customer support crew primarily based on our personal shopper evaluation.
*Knowledge correct at time of publication.
