Compare Cheap Auto Insurance in West Virginia

• The average full coverage cost of auto insurance in West Virginia is $2,137 annually. The average minimum cost of auto insurance in West Virginia is $633 annually.
• USAA is the cheapest or second-cheapest provider across most driver profiles. Its availability is limited to military members, veterans, and their families.
• Erie, Westfield, and Nationwide also offer the cheapest rates in West Virginia for at least one driver profile, and do not require military affiliation.

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• Cheapest full coverage auto insurance in West Virginia: USAA ($1,517 annually) and Erie ($1,744 annually)
• Cheapest minimum coverage: Westfield ($358 annually) and USAA ($366 annually)
• Cheapest with a teen driver: State Farm ($3,048 annually) and Erie ($3,125 annually)
• Cheapest with a speeding ticket: USAA ($1,594 annually) and Erie ($1,847 annually)
• Cheapest with an at-fault accident: Erie ($2,044 annually) and USAA ($2,056 annually)
• Cheapest with a DUI: State Farm ($2,479 annually) and Erie ($2,549 annually)
• Cheapest with low credit: Nationwide ($2,384 annually) and USAA ($2,394 annually)

USAA has the highest rating of our cheapest auto insurance providers in West Virginia in both the J.D. Power Mid-Atlantic Customer Satisfaction and Claims Satisfaction survey, suggesting customers are generally happy with its customer experience and claims process. However, its lower-than-average score from the CRASH Network Insurer Report Card suggests that some auto repair shops have experienced issues with its claims handling, which can affect your experience as a customer.

Along with offering cheaper-than-average rates for most driving profiles, Erie earns strong customer satisfaction scores across the board — suggesting it’s a strong, affordable service for West Virginia drivers.

1. Bundle policies: Bundling auto insurance with other types of insurance often works to lower the cost of both policies. Many providers offer bundles such as home and auto insurance, motorcycle insurance, or classic car insurance.
2. Increase your deductible: The higher your deductible, the lower your insurance premium. Lowering your deductible also means that you’ll pay more before your insurance policy goes into effect if you make a claim, so you should ensure you’re able to cover this cost before going this route. A $1,000 deductible generally strikes a good balance, but ultimately it comes down to your personal finances.
3. Take advantage of discounts: Most providers offer a variety of discounts to help lower your rate. Bear in mind, not every company offers the same auto insurance discounts, and you may need to shop around to find a provider that caters to your profile.
4. Maintain a clean record: Keeping a clean driving record is one of the best ways to keep your rates low. Those with high-risk driver profiles can see their auto insurance rates increase up to 83% (or more) in some cases.
5. Consider telematics discounts: Some providers offer telematics-based discounts, which reduce your auto insurance rates depending on how safely you drive. If you have a violation on your record but generally drive safely, this discount can be especially helpful in lowering your rates.
6. Compare quotes: The cost of auto insurance varies based on your age, driving history, city or town, and other factors. Always get quotes from at least three auto insurance providers to find the lowest rates.

Among West Virginia’s major cities, average rates are highest in Huntington at $2,008 annually. Martinsburg and Wheeling have lower average costs.

In West Virginia, it’s required by law that drivers carry bodily injury and property damage liability coverage, as well as uninsured motorist coverage. The minimum legal limits are as follows:

• Bodily injury: $25,000 bodily injury per person/$50,000 per accident
• Property damage: $25,000 per accident
• Uninsured motorist: $25,000 per person/$50,000 per accident⁴

Property damage and bodily injury liability cover damages and injuries you cause to others in an accident. Uninsured motorist covers injuries and other losses you sustain in an accident caused by an uninsured driver, including hit-and-runs. These represent the lowest legal limits, but many drivers opt for higher coverage.

We analyze average premiums in West Virginia for full and minimum coverage for good drivers with good credit, as well as various driver profiles, including those with DUIs, accidents, low credit, and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $50,000 per accident
• Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $500 deductible