You might be using an unsupported or outdated browser. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website.
We independently select all products and services. If you click through links we provide, we may earn a commission. Learn More.
Advertiser Disclosure
Cheap Car Insurance In West Virginia 2025
Get Instant Personalized Car Insurance Quotes Online
As a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking down confusing terms and products to help others mak...
As a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking down confusing terms and products to help others mak...
As a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking down confusing terms and products to help others mak...
As a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking down confusing terms and products to help others mak...
Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine...
Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine...
Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine...
Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine...
Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.
Key Takeaways: The Cheapest Car Insurance in West Virginia
State Farm has the overall cheapest car insurance in West Virginia across a variety of driving records, based on the companies in our analysis.
Westfield and State Farm have the overall cheapest car insurance in West Virginia for good drivers, based on the companies in our analysis.
West Virginia ranks 12th in our analysis of “The Riskiest States To Drive In,” due in part to having the highest rate of animal collisions and the lowest percentage of bridge area in good condition (15.8%).
West Virginia also has the second highest percentage of fatal car accidents involving rain, snow or sleet (14.9%), further contributing to its risky driving environment.
The Cheapest Car Insurance Companies in West Virginia for Good Drivers
Average rates are based coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state. Source: Quadrant Information Services. *In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.
Auto insurance rates as low as $29/mo.Auto insurance rates as low as $29/mo. Compare rates in minutesCompare rates in minutes
Cheap Car Insurance for 20-Year-Olds in West Virginia
Young drivers in West Virginia can face high insurance costs, especially if the teen isn’t on a parent’s auto insurance policy. In West Virginia, these companies had the cheapest car insurance according to our evaluation.
Cheapest Full Coverage Car Insurance for 20-Year-Olds in West Virginia
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
Geico: $284 a month
Erie: $289 a month
State Farm: $317 a month
Cheapest Minimum Coverage for 20-Year-Olds in West Virginia
If you’re looking for only the minimum auto insurance in West Virginia, check prices from these companies.
Erie: $49 a month
Westfield: $77 a month
State Farm: $87 a month
Cheapest Auto Insurance for 20-Year-Olds in West Virginia With Poor Credit
Poor credit can cause a significant increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.
Westfield: $476 a month
Geico: $494 a month
Progressive: $608 a month
Cheapest Auto Insurance for 20-Year-Olds in West Virginia With a Speeding Ticket
Be prepared for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in West Virginia for drivers with a speeding ticket.
Erie: $316 a month
Westfield: $336 a month
State Farm: $337 a month
Cheapest Car Insurance in West Virginia for 20-Year-Olds With an At-Fault Accident
Below are the cheapest insurers we found for West Virginia drivers who caused an accident that injured someone else.
State Farm: $315 a month
Erie: $350 a month
Geico: $364 a month
Cheapest Auto Insurance for 20-Year-Olds in West Virginia After a DUI
Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in West Virginia who have a DUI conviction.
State Farm: $336 a month
Geico: $389 a month
Erie: $403 a month
Cheap Car Insurance for 30-Year-Olds in West Virginia
Drivers age 30 in West Virginia can find high insurance costs depending on their driving record. Here’s a look at the cheapest companies for a variety of common driving records.
Cheapest Full Coverage Car Insurance for 30-Year-Olds in West Virginia
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
Westfield: $157 a month
Progressive: $180 a month
State Farm: $182 a month
Cheapest Minimum Coverage for 30-Year-Olds in West Virginia
If you’re looking for only the required auto insurance in West Virginia, check quotes from these companies.
Erie: $36 a month
Westfield: $37 a month
State Farm: $45 a month
Cheapest Auto Insurance for 30-Year-Olds in West Virginia With Poor Credit
Poor credit can cause a steep increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.
Westfield: $224 a month
Progressive: $301 a month
Geico: $360 a month
Cheapest Auto Insurance for 30-Year-Olds in West Virginia With a Speeding Ticket
Expect a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in West Virginia for drivers with a speeding ticket.
Westfield: $157 a month
State Farm: $191 a month
Erie: $214 a month
Cheapest Car Insurance in West Virginia for 30-Year-Olds With an At-Fault Accident
Below are the cheapest companies we found for West Virginia drivers who caused an accident that injured someone else.
State Farm: $180 a month
Westfield: $225 a month
Erie: $251 a month
Cheapest Auto Insurance for 30-Year-Olds in West Virginia After a DUI
Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in West Virginia who have a DUI conviction.
State Farm: $191 a month
Progressive: $236 a month
Geico: $293 a month
Cheap Car Insurance for 40-Year-Olds in West Virginia
West Virginia drivers age 40 can typically save significant money by comparing quotes from multiple insurers. We looked at which companies offer the best rates in West Virginia, depending on your driving record.
Cheapest Full Coverage Car Insurance for 40-Year-Olds in West Virginia
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
Westfield: $156 a month
Progressive: $165 a month
State Farm: $177 a month
Cheapest Minimum Coverage for 40-Year-Olds in West Virginia
If you’re looking for only the minimum auto insurance in West Virginia, check quotes from these companies.
Erie: $33 a month
Westfield: $37 a month
State Farm: $46 a month
Cheapest Auto Insurance for 40-Year-Olds in West Virginia With Poor Credit
Poor credit can cause a significant increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.
Westfield: $222 a month
Progressive: $276 a month
Geico: $339 a month
Cheapest Auto Insurance for 40-Year-Olds in West Virginia With a Speeding Ticket
Be prepared for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis these companies have the cheapest car insurance in West Virginia for drivers with a speeding ticket.
Westfield: $156 a month
State Farm: $185 a month
Erie: $190 a month
Cheapest Car Insurance in West Virginia for 40-Year-Olds With an At-Fault Accident
Below are the cheapest options we found for West Virginia drivers who caused an accident that injured someone else.
State Farm: $175 a month
Erie: $223 a month
Westfield: $224 a month
Cheapest Auto Insurance for 40-Year-Olds in West Virginia After a DUI
Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in West Virginia who have a DUI conviction.
State Farm: $185 a month
Progressive: $221 a month
Erie: $267 a month
Cheap Car Insurance for 50-Year-Olds in West Virginia
West Virginia drivers in their 50s are enjoying the lowest rates they’ll get based on age. But a spotty driving record can make cheap car insurance hard to find.
Cheapest Full Coverage Car Insurance for 50-Year-Olds in West Virginia
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
Westfield: $144 a month
Progressive: $153 a month
Erie: $164 a month
Cheapest Minimum Coverage for 50-Year-Olds in West Virginia
If you’re looking for only the required auto insurance in West Virginia, check rates from these companies.
Erie: $30 a month
Westfield: $34 a month
State Farm: $45 a month
Cheapest Auto Insurance for 50-Year-Olds in West Virginia With Poor Credit
Poor credit can cause a large increase in auto insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.
Westfield: $205 a month
Progressive: $256 a month
Geico: $331 a month
Cheapest Auto Insurance for 50-Year-Olds in West Virginia With a Speeding Ticket
Brace yourself for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in West Virginia for drivers with a speeding ticket.
Westfield: $144 a month
Erie: $170 a month
State Farm: $180 a month
Cheapest Car Insurance in West Virginia for 50-Year-Olds With an At-Fault Accident
Below are the cheapest insurers we found for West Virginia drivers who caused an accident that injured someone else.
State Farm: $170 a month
Erie: $198 a month
Westfield: $212 a month
Cheapest Auto Insurance for 50-Year-Olds in West Virginia After a DUI
Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in West Virginia who have a DUI conviction.
State Farm: $180 a month
Progressive: $210 a month
Erie: $237 a month
Auto insurance rates as low as $29/mo.Auto insurance rates as low as $29/mo. Compare rates in minutesCompare rates in minutes
Cheap Car Insurance for 60-Year-Olds in West Virginia
Car insurance quotes often begin to go up every year around age 65, even if you have a stellar driving record. We found the cheapest companies for West Virginia drivers at age 60.
Cheapest Full Coverage Car Insurance for 60-Year-Olds in West Virginia
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
Westfield: $140 a month
Progressive: $149 a month
Erie: $152 a month
Cheapest Minimum Coverage for 60-Year-Olds in West Virginia
If you’re looking for only the required auto insurance in West Virginia, check rates from these companies.
Erie: $28 a month
Westfield: $33 a month
State Farm: $43 a month
Cheapest Auto Insurance for 60-Year-Olds in West Virginia With Poor Credit
Poor credit can cause a large increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.
Westfield: $199 a month
Progressive: $248 a month
Geico: $313 a month
Cheapest Auto Insurance for 60-Year-Olds in West Virginia With a Speeding Ticket
Expect a rate increase at renewal time if you have gotten a speeding ticket. In our analysis these companies have the cheapest car insurance in West Virginia for drivers with a speeding ticket.
Westfield: $140 a month
Erie: $157 a month
State Farm: $169 a month
Cheapest Car Insurance in West Virginia for 60-Year-Olds With an At-Fault Accident
Below are the cheapest companies we found for West Virginia drivers who caused an accident that injured someone else.
State Farm: $159 a month
Erie: $184 a month
Westfield: $208 a month
Cheapest Auto Insurance for 60-Year-Olds in West Virginia After a DUI
Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in West Virginia who have a DUI conviction.
State Farm: $169 a month
Progressive: $205 a month
Erie: $220 a month
Cheap Car Insurance for 70-Year-Olds in West Virginia
West Virginia drivers age 70 are looking at higher rates due to age. But relatively cheap auto insurance can still be found by comparing quotes from a few companies.
Cheapest Full Coverage Car Insurance for 70-Year-Olds in West Virginia
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
Westfield: $153 a month
State Farm: $165 a month
Progressive: $171 a month
Cheapest Minimum Coverage for 70-Year-Olds in West Virginia
If you’re looking for only the required auto insurance in West Virginia, check rates from these companies.
Erie: $31 a month
Westfield: $36 a month
State Farm: $46 a month
Cheapest Auto Insurance for 70-Year-Olds in West Virginia With Poor Credit
Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.
Westfield: $218 a month
Progressive: $286 a month
Geico: $314 a month
Cheapest Auto Insurance for 70-Year-Olds in West Virginia With a Speeding Ticket
Brace yourself for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in West Virginia for drivers with a speeding ticket.
Westfield: $153 a month
State Farm: $174 a month
Erie: $178 a month
Cheapest Car Insurance in West Virginia for 70-Year-Olds With an At-Fault Accident
Below are the cheapest insurers we found for West Virginia drivers who caused an accident that injured someone else.
State Farm: $164 a month
Erie: $208 a month
Westfield: $221 a month
Cheapest Auto Insurance for 70-Year-Olds in West Virginia After a DUI
Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in West Virginia who have a DUI conviction.
State Farm: $174 a month
Progressive: $239 a month
Erie: $249 a month
Cheapest Car Insurance In Charleston, West Virginia
*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.
Buy Cheap Car Insurance in West Virginia
When it comes to finding cheap car insurance in West Virginia, a few strategic moves can make a lot of difference. The best car insurance options for you will combine a good rate with the coverage features you want.
Compare Quotes from Multiple Auto Insurance Companies
A simple way to find cheap car insurance in West Virginia is to get insurance quotes from multiple companies. If you don’t have a range of quotes to consider, you won’t know if you’re getting a good deal. Even if your driving record isn’t perfect, shopping around can show significant rate differences among companies.
Consider Switching Companies If Your Driving Record Changes
Has your auto rate gone up because of a recent ticket or at-fault accident? If you feel like you’re no longer getting cheap car insurance, it might be time to consider switching car insurance companies. The cheapest West Virginia car insurance company for you can vary based on your driving record.
Regularly Review Your Car Insurance Coverage
It’s wise to review your West Virginia auto insurance policy to make sure your coverage details still match your needs. Review the coverage types, the limits for each coverage type and your deductibles. You may want to cut extras such as roadside assistance assistance coverage.
Rethink Your Deductible
You may be able to find savings if you have collision and comprehensive insurance. By increasing your auto insurance deductible you can reduce your cost. Simply contact your insurance agent to find out how much you can save at various deductible amounts.
Look Into Car Insurance Discounts
Many car insurance discounts are subtracted from your policy automatically, but there may be other car insurance discounts your insurer doesn’t know you’re eligible for. Ask your insurance agent for a review of possible discounts. For example, if you are working from home or retired and are driving fewer annual miles, you may be eligible for a better car insurance rate.
Harness the Power of Bundling
If you need more than a West Virginia auto insurance policy, you can often get a good discount by bundling car insurance. You can generally bundle auto insurance with renters, condo or home insurance. Some insurers offer bundling discounts for boat, RV and even life insurance. Our analysis found an average discount of 14% for bundling auto and home insurance.
Optimize Your Insurance Payment Strategy
Car insurance companies often provide small discounts based on how you’re paying your West Virginia car insurance bill. Look for these discounts:
Paying for the whole policy term up-front.
Using EFT if you’re paying monthly.
Going paperless for both billing and policy documents.
Methodology
Except where otherwise noted, average rates are based on a female driver insuring a new RAV4 with coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state. Average rates for cities are based on a 40-year-old female good driver with the above coverage. Source: Quadrant Information Services.
Cheap Car Insurance Companies 2025
With so many choices for car insurance companies, it can be hard to know where to start to find the right car insurance. We've evaluated insurers to find the cheapest car insurance companies, so you don't have to.
Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.
Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
As a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking down confusing terms and products to help others make well-informed decisions.
The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. This compensation comes from two main sources. First, we provide paid placements to advertisers to present their offers. The compensation we receive for those placements affects how and where advertisers' offers appear on the site. This site does not include all companies or products available within the market. Second, we also include links to advertisers' offers in some of our articles; these “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Here is a list of our partners who offer products that we have affiliate links for.
Secured by Forbes.com
