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 ranked first, prioritizing members of the military. While State Farm is known for its accident forgiveness, Geico provides 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: Mar 22, 2025
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6,589 reviewsCompany Facts
Min. Coverage in West Virginia
A.M. Best Rating
Complaint Level
Pros & Cons
6,589 reviews
18,154 reviewsCompany Facts
Min. Coverage in West Virginia
A.M. Best Rating
Complaint Level
Pros & Cons
18,154 reviews
19,116 reviewsCompany Facts
Min. Coverage in West Virginia
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. They offer starting rates of $25 per month for affordable coverage and significant discounts.
These top providers are renowned for providing military and broad discounts, policy customization, low rates, and senior benefits to secure your auto insurance premium.
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 car insurance rates tailored to your vehicle requirements and needs. Start now by entering your ZIP code.
- USAA, State Farm, and Geico offer cheap auto insurance in West Virginia
- USAA ranked first offering the cheapest rate for only $25 per month
- Get competitive rates from top providers focused on premium coverage
#1 – USAA: Top Overall Pick
Pros
- Exclusive Military Benefits: Unique and special discounts are offered to personnel of military, securing an affordable coverage in West Virginia.
- Top-Rated Customer Service: USAA makes sure that policyholders can get quick assistance without paying too much.
- Low Premium Rates: USAA, as explained in our USAA auto insurance review, is one of the most affordable options in the area.
Cons
- Restricted Eligibility: USAA is limited to families of military only, making it restricted to the general public.
- Limited Physical Locations: This feature is 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 Program: Coverage offered is more affordable because this feature prevents 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: The online tool of Geico can be easily navigated by West Virginians to find affordable premiums.
- Competitive Rates for Good Drivers: The best pricing opportunity is offered to 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 mentioned.
Cons
- Lack of Local Agents: Drivers and residents in West Virginia who like in-person assistance can find this feature 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 Discount Program: The SmartRide and SmartMiles programs of Nationwide help West Virginia drivers lower their premiums.
- Vanishing Deductible: According to our Nationwide auto insurance review, to save big on your premium, deductibles are gradually lowered for safe driving.
- Financially Stable Company: This feature provides competitive rates without compromising reliability.
Cons
- Not the Cheapest Option: West Virginian drivers can find more affordable rates from its competitors.
- Driving Behavior Tracking Required: West Virginian drivers may find it a drawback since this feature’s discounts require usage-based tracking.
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#5 – Progressive: Best for Credit Coverage
Pros
- Fair Pricing for Lower Credit Scores: Progressive provides the most affordable rates, which is ideal for budget-conscious drivers.
- Snapshot Safe Driving Program: Responsible drivers in West Virginia can earn discounts and save big through their premiums.
- Gap Insurance Available: While paying your car loan, this feature is a helpful option to prevent increase in your premium cost.
Cons
- Higher Rates for Risky Drivers: This feature 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.
- Great Coverage 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: This feature may not be the most affordable, especially for younger drivers.
- Not Ideal for Younger Drivers: The Hartford may be a drawback for younger residents since it is limited to seniors.
#7 – Farmers: Best for Policy Customization
Pros
- Extensive Coverage Options: This feature helps West Virginian drivers customize their coverage and look for the best insurance.
- Strong Agent Network: Farmers is widely available in West Virginia, which helps drivers personalize service.
- Accident and Small-Claim Forgiveness: This feature keeps the premium from going up after minor accidents.
Cons
- Higher Rates Than Some Competitors: West Virginian drivers may find lower base prices available 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 is not the most affordable option for budget-conscious 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
- One of the Cheapest Options: Erie is one of the best and cheapest auto insurance providers in the area of West Virginia.
- High Claims Satisfaction: Erie is one of the most reliable claims service providers, which helps drivers save big.
- Rate Lock Feature: This feature insures policyholders 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’s residents, is one of the best providers in West Virginia.
- RightTrack Safe Driving Program: Drivers who practice the habit of safe driving can enjoy significant discounts.
- 24/7 Claims Support: Liberty Mutual is always available to provide assistance and service to help drivers save big.
Cons
- More Expensive Unless You Qualify: If you do not maximize discount programs, rates can be higher compare to competitors.
- Mixed Customer Reviews: According to our Liberty Mutual auto insurance review, some drivers in West Virginia are frustrated with the rising premium over time.
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Car Insurance Coverage and Rates in West Virginia
If you haven’t ever conducted any research for your coverage, you should first try to know about the coverage requirements, laws related to insurance, and then 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 & 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 with your auto insurance rates while meeting your vehicle requirements and needs. Begin saving now by entering your ZIP code.
Read more: Compare Auto Insurance Companies
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 for one accident. In addition, you must carry property damage liability coverage of $25,000.
You must carry proof of insurance coverage at all times in your car. 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 a sensible idea since these serve the same purpose and if you feel that the limits aren’t enough, you can always raise the policy limits. Find out how you can save by entering your ZIP code.
Factors Affecting Car Insurance Rates in West Virginia
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 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 with your premium.
Read more: Factors that Affect your Car Insurance Premium
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Understanding the Best Car Insurance in West Virginia
The cheapest car insurance providers in West Virginia are USAA, State Farm, and Geico as mentioned in our car insurance guide, which are renowned and top the list for providing discount opportunities in the area.
When learning to save for your car insurance premium, understand the cheapest rates available in your area and what these companies are best known for.
Jeff Root Licensed Insurance Agent
To secure affordable premium for your vehicle needs and requirements, learn how to compare rates and what these companies are best known for to determine how to lower your auto insurance premiums. Learn it deeply by entering your ZIP code.
Frequently Asked Questions
What are the key differences between liability-only coverage 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 premium costs for drivers?
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, such as age, gender, or location, most significantly affect car insurance rates in West Virginia?
Age, gender, credit score, and ZIP code all influence 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, and how do they compare to other states?
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, such as bundling, military benefits, or safe driving programs, 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. See more of discounts offered by entering your ZIP code.
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 extensive discount programs.
Read more: Car Insurance Discounts
How do telematics programs like Progressive’s Snapshot and Liberty Mutual’s RightTrack 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 advantages and disadvantages of choosing a provider with a strong local agent network, such as State Farm or Allstate, versus an online-focused provider like Geico?
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. Enjoy plenty of low rates by entering your ZIP code.
What additional coverage options, such as collision, comprehensive, or gap insurance, should West Virginia 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, such as population density and accident rates, 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.