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Average cost of car insurance in West Virginia for 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in West Virginia?
Navigating the landscape of car insurance rates in West Virginia can be a challenge. At Bankrate, we leverage our team’s insurance expertise and in-depth analysis of rate data from Quadrant Information Services to provide credible insurance insights. The average car insurance cost in West Virginia is $562 per year for minimum coverage and $2,132 per year for full coverage. It's essential to remember that these figures are averages and individual premiums may vary based on various factors.
Key takeaways
- The average monthly car insurance rate in West Virginia is $47 for minimum coverage and $178 for full coverage.
- Drivers with poor credit in West Virginia pay an average of 117 percent more for car insurance than those with good credit.
- Based on average rates, having a DUI conviction on your record in West Virginia could double your premium.
- Young drivers who opt to stay on their parent’s policy could pay around 36 percent less on their car insurance premiums.
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West Virginia car insurance rates by city
Your West Virginia car insurance cost can vary based on the city you live in. Differences in crime statistics, weather events, parts and repair costs may all contribute to higher or lower rates in certain cities. Rates in large urban areas are also impacted by the increased potential for accidents on congested city highways and streets. The table below shows average rates in 10 of the most populated West Virginia cities.
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But these other cities in the state may give you some insight.
| City | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|
| Orlando | $2,202 | +3% |
| Hacker Valley | $2,228 | +4% |
| Rock Cave | $2,255 | +6% |
| Beverly | $2,171 | +2% |
| Gypsy | $2,035 | -5% |
| Jacksonburg | $2,156 | +1% |
| Jane Lew | $2,184 | +2% |
| New Milton | $2,244 | +5% |
| Philippi | $2,245 | +5% |
| Rosemont | $2,187 | +3% |
| Sand Fork | $2,222 | +4% |
| Athens | $2,013 | -6% |
| Bud | $2,193 | +3% |
| Hiawatha | $2,104 | -1% |
| Matoaka | $2,095 | -2% |
| Upperglade | $2,175 | +2% |
| Kerens | $2,202 | +3% |
| Norton | $2,180 | +2% |
| Slatyfork | $2,210 | +4% |
| Thomas | $2,263 | +6% |
| Auburn | $2,255 | +6% |
| Cairo | $2,225 | +4% |
| Flemington | $2,185 | +2% |
| Ireland | $2,179 | +2% |
| Pullman | $2,267 | +6% |
| Herndon | $2,203 | +3% |
| Rock | $2,012 | -6% |
| Anawalt | $2,360 | +10% |
| Bramwell | $2,062 | -3% |
| Welch | $2,354 | +10% |
| Weston | $2,190 | +3% |
| Morgantown | $1,981 | -7% |
| Bruceton Mills | $2,182 | +2% |
| Rachel | $2,025 | -5% |
| Wana | $2,118 | -1% |
| Gassaway | $2,176 | +2% |
| Napier | $2,239 | +5% |
| Calvin | $2,177 | +2% |
| Dellslow | $2,051 | -4% |
| Osage | $2,012 | -6% |
| Frametown | $2,199 | +3% |
| Summersville | $2,159 | +1% |
| Capon Bridge | $2,064 | -3% |
| Green Spring | $2,106 | -1% |
| Blacksville | $2,104 | -1% |
| Baxter | $2,006 | -6% |
| Clendenin | $2,175 | +2% |
| Dixie | $2,198 | +3% |
| Falling Rock | $2,181 | +2% |
| Fraziers Bottom | $2,190 | +3% |
| Hometown | $2,147 | +1% |
| Jeffrey | $2,511 | +16% |
| Kimberly | $2,123 | -0% |
| Wyco | $2,196 | +3% |
| Beech Bottom | $1,958 | -9% |
| Bethany | $1,964 | -8% |
| Cameron | $2,000 | -6% |
| Dallas | $1,988 | -7% |
| Proctor | $2,118 | -1% |
| Weirton | $1,924 | -10% |
| Belmont | $2,225 | +4% |
| Palestine | $2,327 | +9% |
| Buckhannon | $2,205 | +3% |
| French Creek | $2,234 | +5% |
| Eskdale | $2,254 | +6% |
| Ivydale | $2,282 | +7% |
| Leon | $2,208 | +3% |
| Sharples | $2,652 | +22% |
| Southside | $2,211 | +4% |
| Tad | $2,176 | +2% |
| Matheny | $2,505 | +16% |
| North Spring | $2,554 | +18% |
| Pageton | $2,355 | +10% |
| Wilcoe | $2,355 | +10% |
| Lewisburg | $2,048 | -4% |
| Hillsboro | $2,158 | +1% |
| Secondcreek | $2,107 | -1% |
| Talcott | $2,112 | -1% |
| Artie | $2,213 | +4% |
| Ceredo | $2,128 | -0% |
| Glenwood | $2,186 | +2% |
| Julian | $2,464 | +14% |
| Myra | $2,510 | +16% |
| Prichard | $2,410 | +12% |
| Verdunville | $2,554 | +18% |
| Verner | $2,649 | +22% |
| Whitman | $2,583 | +19% |
| Delbarton | $2,632 | +21% |
| Mill Creek | $2,227 | +4% |
| Clarksburg | $2,000 | -6% |
| Alum Bridge | $2,209 | +4% |
| Berea | $2,242 | +5% |
| Crawford | $2,247 | +5% |
| Harrisville | $2,215 | +4% |
| Pennsboro | $2,226 | +4% |
| Thornton | $2,199 | +3% |
| Freeman | $2,053 | -4% |
| Lashmeet | $2,031 | -5% |
| Tallmansville | $2,217 | +4% |
| Valley Head | $2,221 | +4% |
| Center Point | $2,205 | +3% |
| Grafton | $2,150 | +1% |
| Lost Creek | $2,080 | -2% |
| Volga | $2,201 | +3% |
| Richwood | $2,148 | +1% |
| Junior | $2,207 | +3% |
| Ellenboro | $2,208 | +3% |
| Galloway | $2,226 | +4% |
| Lumberport | $2,040 | -4% |
| Meadowbrook | $2,045 | -4% |
| Bluefield | $2,014 | -6% |
| Covel | $2,197 | +3% |
| Kellysville | $2,038 | -5% |
| Princeton | $2,033 | -5% |
| Bartley | $2,498 | +16% |
| Berwind | $2,499 | +16% |
| Terra Alta | $2,208 | +3% |
| Circleville | $2,221 | +4% |
| Lost City | $2,080 | -3% |
| Moorefield | $2,067 | -3% |
| Huttonsville | $2,226 | +4% |
| Haywood | $2,028 | -5% |
| Reynoldsville | $2,045 | -4% |
| Nemours | $2,014 | -6% |
| Wolfe | $2,012 | -6% |
| Brenton | $2,501 | +16% |
| Shanks | $2,069 | -3% |
| High View | $2,069 | -3% |
| Sugar Grove | $2,207 | +3% |
| Maysville | $2,153 | +1% |
| Ridgeway | $1,952 | -9% |
| Harts | $2,586 | +19% |
| Ranger | $2,557 | +18% |
| Shoals | $2,361 | +10% |
| Wayne | $2,462 | +14% |
| Davin | $2,595 | +20% |
| Mount Gay | $2,589 | +19% |
| Stollings | $2,614 | +20% |
| Wilkinson | $2,589 | +19% |
| Breeden | $2,794 | +27% |
| Lenore | $2,656 | +22% |
| Chloe | $2,330 | +9% |
| Huntington | $2,125 | -0% |
| Four States | $2,047 | -4% |
| Canvas | $2,184 | +2% |
| Fort Ashby | $2,046 | -4% |
| Piedmont | $2,055 | -4% |
| Cedar Grove | $2,160 | +1% |
| Elkview | $2,165 | +2% |
| Clear Creek | $2,213 | +4% |
| Danville | $2,512 | +16% |
| Drybranch | $2,140 | +0% |
| Ethel | $2,652 | +22% |
| Henderson | $2,241 | +5% |
| Ottawa | $2,510 | +16% |
| Pratt | $2,135 | +0% |
| Procious | $2,252 | +5% |
| Ridgeview | $2,379 | +11% |
| Van | $2,498 | +16% |
| Clear Fork | $2,531 | +17% |
| Hanover | $2,540 | +17% |
| Hensley | $2,549 | +18% |
| Itmann | $2,463 | +14% |
| Lynco | $2,520 | +17% |
| Northfork | $2,370 | +11% |
| Squire | $2,400 | +12% |
| Bomont | $2,252 | +5% |
| Colcord | $2,246 | +5% |
| Comfort | $2,344 | +9% |
| Glen Ferris | $2,129 | -0% |
| Hewett | $2,513 | +16% |
| Hugheston | $2,145 | +1% |
| Madison | $2,511 | +16% |
| Peytona | $2,404 | +12% |
| Boomer | $2,129 | -0% |
| Clay | $2,245 | +5% |
| Dawes | $2,245 | +5% |
| Glasgow | $2,143 | +1% |
| Indore | $2,259 | +6% |
| Smithers | $2,141 | +0% |
| Elkins | $2,177 | +2% |
| Dailey | $2,204 | +3% |
| Hambleton | $2,276 | +7% |
| Monterville | $2,224 | +4% |
| Burnsville | $2,233 | +5% |
| Belington | $2,204 | +3% |
| Coalton | $2,206 | +3% |
| Durbin | $2,226 | +4% |
| Montrose | $2,216 | +4% |
| Webster Springs | $2,173 | +2% |
| Anmoore | $2,022 | -5% |
| Folsom | $2,134 | +0% |
| Independence | $2,151 | +1% |
| Tunnelton | $2,225 | +4% |
| Walkersville | $2,248 | +5% |
| Selbyville | $2,234 | +5% |
| Cool Ridge | $2,099 | -2% |
| Lanark | $2,097 | -2% |
| Pax | $2,061 | -3% |
| Prosperity | $2,109 | -1% |
| Reedsville | $2,173 | +2% |
| Rivesville | $2,004 | -6% |
| Flatwoods | $2,206 | +3% |
| Gilboa | $2,166 | +2% |
| Cucumber | $2,480 | +15% |
| Fanrock | $2,499 | +16% |
| Pineville | $2,525 | +17% |
| Alderson | $2,094 | -2% |
| Buckeye | $2,184 | +2% |
| Grassy Meadows | $2,088 | -2% |
| Green Bank | $2,195 | +3% |
| Ronceverte | $2,038 | -5% |
| Bob White | $2,462 | +14% |
| Costa | $2,394 | +12% |
| Deep Water | $2,121 | -1% |
| Foster | $2,464 | +14% |
| Nebo | $2,272 | +6% |
| Maybeury | $2,366 | +10% |
| Roderfield | $2,537 | +17% |
| Gap Mills | $2,134 | +0% |
| Bowden | $2,176 | +2% |
| Dryfork | $2,234 | +5% |
| Hendricks | $2,245 | +5% |
| Parsons | $2,277 | +7% |
| Alma | $2,147 | +1% |
| Camden | $2,204 | +3% |
| Coxs Mills | $2,257 | +6% |
| Simpson | $2,187 | +3% |
| Cabin Creek | $2,221 | +4% |
| Gallagher | $2,137 | +0% |
| Glen | $2,279 | +7% |
| Maysel | $2,285 | +7% |
| Miami | $2,239 | +5% |
| Nellis | $2,441 | +13% |
| Rock Creek | $2,269 | +6% |
| Seth | $2,374 | +11% |
| Turtle Creek | $2,498 | +16% |
| Arthurdale | $2,182 | +2% |
| Fairmont | $1,983 | -7% |
| Hundred | $2,139 | +0% |
| Idamay | $2,045 | -4% |
| Helvetia | $2,246 | +5% |
| Kanawha Head | $2,240 | +5% |
| Bergoo | $2,188 | +3% |
| Hepzibah | $2,028 | -5% |
| Linn | $2,248 | +5% |
| Smithburg | $2,204 | +3% |
| Letart | $2,224 | +4% |
| Normantown | $2,286 | +7% |
| Charleston | $2,076 | -3% |
| Martinsburg | $1,910 | -11% |
| West Milford | $2,103 | -1% |
| Granville | $2,017 | -6% |
| Kingmont | $2,039 | -4% |
| Little Birch | $2,211 | +4% |
| Elk Garden | $2,110 | -1% |
| Winifrede | $2,153 | +1% |
| Left Hand | $2,301 | +8% |
| Looneyville | $2,284 | +7% |
| Ripley | $2,204 | +3% |
| Elkhorn | $2,370 | +11% |
| Newhall | $2,392 | +11% |
| Bartow | $2,217 | +4% |
| Dunmore | $2,198 | +3% |
| Greenville | $2,125 | -0% |
| Blount | $2,170 | +2% |
| Wolfcreek | $2,099 | -2% |
| Albright | $2,162 | +1% |
| Pursglove | $2,004 | -6% |
| Farmington | $2,018 | -6% |
| Shock | $2,241 | +5% |
| Swiss | $2,205 | +3% |
| Burlington | $2,079 | -3% |
| Mount Storm | $2,161 | +1% |
| Raysal | $2,510 | +16% |
| Rock View | $2,520 | +17% |
| Simon | $2,547 | +18% |
| Peterstown | $2,107 | -1% |
| Arnett | $2,309 | +8% |
| New Manchester | $2,008 | -6% |
| Wellsburg | $1,955 | -9% |
| Parkersburg | $2,086 | -2% |
| Summit Point | $1,971 | -8% |
| Culloden | $2,147 | +1% |
| Lavalette | $2,375 | +11% |
| Bruno | $2,614 | +20% |
| Omar | $2,622 | +21% |
| Switzer | $2,591 | +19% |
| North Matewan | $2,641 | +21% |
| Shenandoah Junction | $1,930 | -10% |
| Scott Depot | $2,115 | -1% |
| West Hamlin | $2,517 | +17% |
| Accoville | $2,614 | +20% |
| Lyburn | $2,594 | +20% |
| Davisville | $2,146 | +1% |
| Sistersville | $2,160 | +1% |
| Craigsville | $2,156 | +1% |
| Cleveland | $2,258 | +6% |
| Frenchton | $2,247 | +5% |
| Coal Mountain | $2,574 | +19% |
| Iaeger | $2,517 | +17% |
| Ikes Fork | $2,548 | +18% |
| Kimball | $2,355 | +10% |
| Cyclone | $2,586 | +19% |
| Jesse | $2,509 | +16% |
| New Richmond | $2,526 | +17% |
| Switchback | $2,360 | +10% |
| Thorpe | $2,354 | +10% |
| Arbovale | $2,225 | +4% |
| Caldwell | $2,051 | -4% |
| Union | $2,119 | -1% |
| Bancroft | $2,150 | +1% |
| Cottageville | $2,247 | +5% |
| Mullens | $2,213 | +4% |
| Kegley | $2,020 | -5% |
| Big Sandy | $2,548 | +18% |
| Amigo | $2,210 | +4% |
| Fayetteville | $2,006 | -6% |
| Mabscott | $2,091 | -2% |
| Midway | $2,099 | -2% |
| Piney View | $2,094 | -2% |
| Sabine | $2,357 | +10% |
| Bunker Hill | $1,941 | -9% |
| Falling Waters | $1,903 | -11% |
| Inwood | $1,958 | -9% |
| Bretz | $2,180 | +2% |
| Fairview | $2,040 | -4% |
| Dille | $2,216 | +4% |
| Heaters | $2,223 | +4% |
| Keslers Cross Lanes | $2,153 | +1% |
| Mount Lookout | $2,135 | +0% |
| Spanishburg | $2,058 | -4% |
| Beckley | $2,090 | -2% |
| Green Sulphur Springs | $2,109 | -1% |
| Nimitz | $2,086 | -2% |
| Spring Dale | $2,063 | -3% |
| Chester | $1,944 | -9% |
| Follansbee | $1,930 | -10% |
| Newell | $1,951 | -9% |
| Paden City | $2,129 | -0% |
| Porters Falls | $2,144 | +1% |
| Erbacon | $2,194 | +3% |
| Dunbar | $2,062 | -3% |
| Handley | $2,138 | +0% |
| Hansford | $2,148 | +1% |
| London | $2,132 | -0% |
| Naoma | $2,317 | +8% |
| Sylvester | $2,365 | +10% |
| Uneeda | $2,497 | +16% |
| Brohard | $2,324 | +9% |
| Milam | $2,115 | -1% |
| Isaban | $2,529 | +17% |
| Maxwelton | $2,059 | -4% |
| Eleanor | $2,148 | +1% |
| Hernshaw | $2,131 | -0% |
| Kanawha Falls | $2,098 | -2% |
| Kincaid | $2,105 | -1% |
| Nitro | $2,069 | -3% |
| Orgas | $2,432 | +13% |
| Powellton | $2,116 | -1% |
| Racine | $2,271 | +6% |
| Red House | $2,158 | +1% |
| Saint Albans | $2,074 | -3% |
| Wharton | $2,526 | +17% |
| Winfield | $2,140 | +0% |
| Rosedale | $2,230 | +4% |
| Leivasy | $2,160 | +1% |
| Nettie | $2,138 | +0% |
| Bayard | $2,179 | +2% |
| Gormania | $2,129 | -0% |
| Romney | $2,070 | -3% |
| Raleigh | $2,109 | -1% |
| Camp Creek | $2,060 | -3% |
| Crab Orchard | $2,100 | -2% |
| Edmond | $2,019 | -5% |
| Flat Top | $2,088 | -2% |
| Ghent | $2,112 | -1% |
| Helen | $2,125 | -0% |
| Elbert | $2,355 | +10% |
| Gary | $2,352 | +10% |
| Kyle | $2,398 | +12% |
| Paynesville | $2,511 | +16% |
| Warriormine | $2,491 | +15% |
| Wyoming | $2,526 | +17% |
| Ballard | $2,106 | -1% |
| Lindside | $2,128 | -0% |
| Renick | $2,043 | -4% |
| Waiteville | $2,098 | -2% |
| Wayside | $2,105 | -1% |
| Kingwood | $2,172 | +2% |
| Masontown | $2,187 | +3% |
| Barrackville | $1,992 | -7% |
| Metz | $2,086 | -2% |
| Copen | $2,214 | +4% |
| Delray | $2,088 | -2% |
| Lahmansville | $2,142 | +0% |
| Ridgeley | $2,049 | -4% |
| Ragland | $2,646 | +22% |
| Ellamore | $2,198 | +3% |
| Glady | $2,173 | +2% |
| Harman | $2,234 | +5% |
| Mabie | $2,185 | +2% |
| Valley Bend | $2,204 | +3% |
| Whitmer | $2,209 | +4% |
| Bridgeport | $1,955 | -9% |
| Pine Grove | $2,106 | -1% |
| Rowlesburg | $2,217 | +4% |
| Spelter | $2,027 | -5% |
| Wiley Ford | $2,052 | -4% |
| Bloomery | $2,062 | -3% |
| Cabins | $2,122 | -0% |
| Big Creek | $2,579 | +19% |
| Salt Rock | $2,246 | +5% |
| Amherstdale | $2,606 | +20% |
| Henlawson | $2,584 | +19% |
| Rawl | $2,652 | +22% |
| Varney | $2,641 | +21% |
| Winona | $2,042 | -4% |
| White Oak | $2,096 | -2% |
| Valley Grove | $1,894 | -12% |
| Mineral Wells | $2,142 | +0% |
| Smithville | $2,291 | +7% |
| Snowshoe | $2,202 | +3% |
| Alkol | $2,542 | +18% |
| Barboursville | $2,182 | +2% |
| East Lynn | $2,497 | +16% |
| Kenova | $2,131 | -0% |
| Ona | $2,141 | +0% |
| Spurlockville | $2,529 | +17% |
| Baisden | $2,615 | +20% |
| Mallory | $2,597 | +20% |
| Man | $2,597 | +20% |
| Newtown | $2,636 | +21% |
| Wilsondale | $2,739 | +25% |
| Lochgelly | $2,029 | -5% |
| Maben | $2,244 | +5% |
| Minden | $1,994 | -7% |
| Odd | $2,132 | -0% |
| Ravencliff | $2,382 | +11% |
| Shady Spring | $2,094 | -2% |
| Slab Fork | $2,118 | -1% |
| Beaver | $2,087 | -2% |
| Coal City | $2,110 | -1% |
| Corinne | $2,196 | +3% |
| Daniels | $2,082 | -2% |
| Glen Jean | $2,064 | -3% |
| Capon Springs | $2,074 | -3% |
| Wallace | $2,070 | -3% |
| Wyatt | $2,035 | -5% |
| Maidsville | $2,015 | -6% |
| Petersburg | $2,146 | +1% |
| Brandywine | $2,204 | +3% |
| Fisher | $2,074 | -3% |
| Onego | $2,194 | +3% |
| Springfield | $2,076 | -3% |
| Baker | $2,076 | -3% |
| Mathias | $2,049 | -4% |
| Purgitsville | $2,075 | -3% |
| Surveyor | $2,122 | -0% |
| Victor | $2,041 | -4% |
| Jumping Branch | $2,118 | -1% |
| Meadow Bridge | $2,078 | -3% |
| Pipestem | $2,095 | -2% |
| Sandstone | $2,104 | -1% |
| Benwood | $1,959 | -8% |
| Friendly | $2,219 | +4% |
| Grantsville | $2,313 | +8% |
| Mount Zion | $2,338 | +9% |
| Walker | $2,156 | +1% |
| Camden On Gauley | $2,185 | +2% |
| Yellow Spring | $2,088 | -2% |
| Upper Tract | $2,200 | +3% |
| Beeson | $2,099 | -2% |
| Avondale | $2,484 | +15% |
| Bradshaw | $2,505 | +16% |
| Given | $2,232 | +5% |
| Millstone | $2,302 | +8% |
| Harpers Ferry | $1,958 | -9% |
| Danese | $2,035 | -5% |
| Glen Fork | $2,359 | +10% |
| Jenkinjones | $2,355 | +10% |
| Jolo | $2,519 | +17% |
| War | $2,481 | +15% |
| Cass | $2,233 | +5% |
| Crawley | $2,051 | -4% |
| Ashford | $2,410 | +12% |
| Bim | $2,513 | +16% |
| Big Run | $2,113 | -1% |
| Burton | $2,104 | -1% |
| Carolina | $2,046 | -4% |
| Colfax | $2,039 | -4% |
| Drennen | $2,216 | +4% |
| Pool | $2,149 | +1% |
| Aurora | $2,255 | +6% |
| Eglon | $2,254 | +6% |
| Keyser | $2,052 | -4% |
| New Creek | $2,083 | -2% |
| Buffalo | $2,174 | +2% |
| Cannelton | $2,139 | +0% |
| Clothier | $2,585 | +19% |
| Dry Creek | $2,316 | +8% |
| East Bank | $2,142 | +0% |
| Gordon | $2,453 | +14% |
| Institute | $2,050 | -4% |
| Pond Gap | $2,180 | +2% |
| Tornado | $2,145 | +1% |
| Twilight | $2,478 | +15% |
| Glen Rogers | $2,372 | +11% |
| Lansing | $2,037 | -5% |
| Lookout | $2,089 | -2% |
| Oak Hill | $2,012 | -6% |
| Prince | $2,063 | -3% |
| Gerrardstown | $1,929 | -10% |
| Hedgesville | $1,967 | -8% |
| Mohawk | $2,595 | +20% |
| Premier | $2,346 | +10% |
| Asbury | $2,065 | -3% |
| White Sulphur Springs | $2,046 | -4% |
| Pence Springs | $2,099 | -2% |
| Sinks Grove | $2,097 | -2% |
| Alum Creek | $2,284 | +7% |
| Belle | $2,137 | +0% |
| Bickmore | $2,267 | +6% |
| Bloomingrose | $2,414 | +12% |
| Lorentz | $2,204 | +3% |
| Pickens | $2,225 | +4% |
| Rippon | $1,965 | -8% |
| Ashton | $2,215 | +4% |
| Dunlow | $2,695 | +23% |
| Gallipolis Ferry | $2,226 | +4% |
| Hurricane | $2,118 | -1% |
| Yawkey | $2,515 | +16% |
| Cora | $2,589 | +19% |
| Sarah Ann | $2,621 | +21% |
| Williamson | $2,645 | +21% |
| Crum | $2,835 | +28% |
| Dingess | $2,681 | +23% |
| Matewan | $2,626 | +21% |
| Halltown | $1,947 | -9% |
| Points | $2,074 | -3% |
| Davis | $2,255 | +6% |
| Red Creek | $2,240 | +5% |
| Glenville | $2,243 | +5% |
| Horner | $2,200 | +3% |
| Mount Clare | $2,051 | -4% |
| Salem | $2,127 | -0% |
| Shinnston | $2,006 | -6% |
| Shirley | $2,174 | +2% |
| Troy | $2,253 | +6% |
| Stephenson | $2,228 | +4% |
| Lerona | $2,017 | -6% |
| Quinwood | $2,085 | -2% |
| West Liberty | $1,907 | -11% |
| Windsor Heights | $1,956 | -9% |
| Big Bend | $2,322 | +9% |
| Macfarlan | $2,302 | +8% |
| New Martinsville | $2,132 | -0% |
| Petroleum | $2,300 | +8% |
| Rockport | $2,203 | +3% |
| Washington | $2,093 | -2% |
| Fenwick | $2,144 | +1% |
| Duck | $2,271 | +6% |
| Gauley Bridge | $2,096 | -2% |
| Lizemores | $2,275 | +6% |
| Mammoth | $2,143 | +1% |
| Pinch | $2,194 | +3% |
| Robson | $2,104 | -1% |
| Saxon | $2,341 | +9% |
| Eckman | $2,354 | +10% |
| Justice | $2,646 | +21% |
| Marianna | $2,568 | +19% |
| Oceana | $2,490 | +15% |
| Panther | $2,529 | +17% |
| Marlinton | $2,213 | +4% |
| Amma | $2,255 | +6% |
| Blair | $2,610 | +20% |
| Blue Creek | $2,160 | +1% |
| Davy | $2,503 | +16% |
| Kopperston | $2,529 | +17% |
| Franklin | $2,194 | +3% |
| Riverton | $2,190 | +3% |
| Old Fields | $2,060 | -3% |
| Seneca Rocks | $2,202 | +3% |
| Gandeeville | $2,274 | +6% |
| Gay | $2,241 | +5% |
| Mason | $2,209 | +4% |
| Mount Alto | $2,230 | +4% |
| Sandyville | $2,259 | +6% |
| Great Cacapon | $1,975 | -8% |
| Yolyn | $2,661 | +22% |
| Genoa | $2,655 | +22% |
| Lesage | $2,143 | +0% |
| Pecks Mill | $2,561 | +18% |
| Woodville | $2,419 | +13% |
| Kistler | $2,598 | +20% |
| Peach Creek | $2,589 | +19% |
| Chattaroy | $2,655 | +22% |
| Red Jacket | $2,619 | +20% |
| Advent | $2,246 | +5% |
| Walton | $2,308 | +8% |
| Meadow Creek | $2,090 | -2% |
| Glen Dale | $1,962 | -8% |
| Moundsville | $1,959 | -8% |
| New Cumberland | $1,945 | -9% |
| Vienna | $2,114 | -1% |
| Saint Marys | $2,233 | +5% |
| Williamstown | $2,174 | +2% |
| Pentress | $2,024 | -5% |
| Grant Town | $2,057 | -4% |
| Littleton | $2,114 | -1% |
| Mannington | $2,062 | -3% |
| Cedarville | $2,244 | +5% |
| Forest Hill | $2,128 | -0% |
| Frankford | $2,052 | -4% |
| Smoot | $2,090 | -2% |
| Alloy | $2,121 | -1% |
| Eccles | $2,109 | -1% |
| Layland | $2,069 | -3% |
| Lester | $2,159 | +1% |
| Princewick | $2,107 | -1% |
| Skelton | $2,103 | -1% |
| Glen Easton | $1,992 | -7% |
| Triadelphia | $1,886 | -12% |
| Belleville | $2,170 | +2% |
| Middlebourne | $2,199 | +3% |
| Munday | $2,307 | +8% |
| Diana | $2,209 | +4% |
| Reader | $2,141 | +0% |
| Charmco | $2,078 | -3% |
| Rainelle | $2,096 | -2% |
| Leslie | $2,068 | -3% |
| Ravenswood | $2,216 | +4% |
| Cowen | $2,152 | +1% |
| Hinton | $2,118 | -1% |
| Rupert | $2,077 | -3% |
| Colliers | $1,939 | -10% |
| Big Springs | $2,318 | +8% |
| Waverly | $2,156 | +1% |
| Thurmond | $2,036 | -5% |
| Wheeling | $1,905 | -11% |
| Mcmechen | $1,974 | -8% |
| Short Creek | $1,958 | -9% |
| Creston | $2,301 | +8% |
| Elizabeth | $2,334 | +9% |
| Adrian | $2,232 | +5% |
| Dorothy | $2,242 | +5% |
| Liberty | $2,148 | +1% |
| Mount Carbon | $2,116 | -1% |
| Whitesville | $2,483 | +15% |
| Paw Paw | $1,997 | -7% |
| Williamsburg | $2,051 | -4% |
| Orma | $2,321 | +8% |
| Kearneysville | $1,966 | -8% |
| Allen Junction | $2,211 | +4% |
| Ansted | $2,029 | -5% |
| Shepherdstown | $1,928 | -10% |
| Kiahsville | $2,644 | +21% |
| Sumerco | $2,504 | +16% |
| Chauncey | $2,607 | +20% |
| Wharncliffe | $2,623 | +21% |
| Hartford | $2,209 | +4% |
| Wallback | $2,283 | +7% |
| Le Roy | $2,259 | +6% |
| West Columbia | $2,212 | +4% |
| Charles Town | $1,943 | -9% |
| Glengary | $1,950 | -9% |
| Levels | $2,066 | -3% |
| Ranson | $1,950 | -9% |
| Slanesville | $2,079 | -3% |
| Branchland | $2,508 | +16% |
| Chapmanville | $2,492 | +16% |
| Midkiff | $2,566 | +18% |
| Milton | $2,140 | +0% |
| Sod | $2,499 | +16% |
| Berkeley Springs | $1,972 | -8% |
| Millville | $1,970 | -8% |
| Apple Grove | $2,216 | +4% |
| Glen White | $2,120 | -1% |
| Harper | $2,109 | -1% |
| Hico | $2,075 | -3% |
| Josephine | $2,160 | +1% |
| Rhodell | $2,124 | -0% |
| Sophia | $2,120 | -1% |
| Fort Gay | $2,546 | +18% |
| Hamlin | $2,527 | +17% |
| Logan | $2,584 | +19% |
| Holden | $2,621 | +21% |
| Edgarton | $2,641 | +21% |
| Griffithsville | $2,522 | +17% |
| Point Pleasant | $2,209 | +4% |
| Gilbert | $2,633 | +21% |
| Lorado | $2,610 | +20% |
| Borderland | $2,653 | +22% |
| Kermit | $2,809 | +27% |
| Evans | $2,225 | +4% |
| Millwood | $2,243 | +5% |
| New Haven | $2,207 | +3% |
| Arnoldsburg | $2,325 | +9% |
| Kenna | $2,259 | +6% |
| Newton | $2,323 | +9% |
| Reedy | $2,298 | +7% |
| Spencer | $2,291 | +7% |
| Saulsville | $2,274 | +6% |
| Charlton Heights | $2,121 | -1% |
| West Union | $2,202 | +3% |
| Enterprise | $2,021 | -5% |
| Montana Mines | $2,054 | -4% |
| Worthington | $2,005 | -6% |
| Exchange | $2,215 | +4% |
| Mount Nebo | $2,137 | +0% |
| Tioga | $2,168 | +2% |
| Augusta | $2,067 | -3% |
| Fairdale | $2,197 | +3% |
| Moatsville | $2,218 | +4% |
| Newburg | $2,201 | +3% |
| Smithfield | $2,210 | +4% |
| Bolt | $2,176 | +2% |
| Dothan | $2,016 | -6% |
| Glen Daniel | $2,221 | +4% |
| Mount Hope | $2,093 | -2% |
| Scarbro | $2,029 | -5% |
| Sutton | $2,187 | +3% |
| Birch River | $2,144 | +1% |
| Belva | $2,172 | +2% |
| Nallen | $2,098 | -2% |
| Rio | $2,078 | -3% |
| Wardensville | $2,074 | -3% |
| Lake | $2,550 | +18% |
| Montgomery | $2,136 | +0% |
| Page | $2,117 | -1% |
| Poca | $2,162 | +1% |
| Widen | $2,262 | +6% |
| Naugatuck | $0 | -200% |
Average car insurance costs by age and gender in West Virginia
As in many states, in West Virginia, age plays a significant role in determining car insurance costs. Statistically, younger drivers are associated with a higher risk of accidents due to inexperience with driving, which typically results in higher premiums. However, as drivers mature and gain more experience behind the wheel, rates tend to decrease, reflecting a lower risk level, as long as the drivers maintain a clean driving record. The rates presented in the tables below pertain to drivers on their own car insurance policies.
Conversely, the figures for younger drivers (showcased further down the page) reflect the average you can expect when a young driver is added to their parents’ policy. Notably, age and gender may influence rates differently across states. For instance, age is not a determining factor in Hawaii and Massachusetts, just as gender does not affect rates in California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania.
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in WV
$4,691
|
Average minimum coverage premium in WV
$1,390
|
|
Age 18
|
Average annual full coverage premium in WV
$6,121
|
Average minimum coverage premium in WV
$1,720
|
|
Age 20
|
Average annual full coverage premium in WV
$4,673
|
Average minimum coverage premium in WV
$1,184
|
|
Age 25
|
Average annual full coverage premium in WV
$2,685
|
Average minimum coverage premium in WV
$675
|
|
Age 30
|
Average annual full coverage premium in WV
$2,290
|
Average minimum coverage premium in WV
$581
|
|
Age 40
|
Average annual full coverage premium in WV
$2,146
|
Average minimum coverage premium in WV
$558
|
|
Age 50
|
Average annual full coverage premium in WV
$1,986
|
Average minimum coverage premium in WV
$536
|
|
Age 60
|
Average annual full coverage premium in WV
$1,887
|
Average minimum coverage premium in WV
$526
|
|
Age 70
|
Average annual full coverage premium in WV
$2,033
|
Average minimum coverage premium in WV
$584
|
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in WV
$4,128
|
Average minimum coverage premium in WV
$1,277
|
|
Age 18
|
Average annual full coverage premium in WV
$5,615
|
Average minimum coverage premium in WV
$1,591
|
|
Age 20
|
Average annual full coverage premium in WV
$3,988
|
Average minimum coverage premium in WV
$1,073
|
|
Age 25
|
Average annual full coverage premium in WV
$2,545
|
Average minimum coverage premium in WV
$673
|
|
Age 30
|
Average annual full coverage premium in WV
$2,260
|
Average minimum coverage premium in WV
$592
|
|
Age 40
|
Average annual full coverage premium in WV
$2,119
|
Average minimum coverage premium in WV
$566
|
|
Age 50
|
Average annual full coverage premium in WV
$1,872
|
Average minimum coverage premium in WV
$537
|
|
Age 60
|
Average annual full coverage premium in WV
$1,846
|
Average minimum coverage premium in WV
$523
|
|
Age 70
|
Average annual full coverage premium in WV
$2,000
|
Average minimum coverage premium in WV
$587
|
Bankrate’s take: West Virginia car insurance rates can differ between genders for various reasons. Insurers use historical data to assess the likelihood of future claims and this data has often indicated differences in driving behaviors between male and female drivers. For instance, some studies suggest that male drivers are more prone to engage in risky behaviors such as speeding or driving under the influence, leading to higher accident rates. On the other hand, female drivers might tend to file more minor claims. While these generalizations don't apply to every individual, insurance companies use these trends to inform their rate-setting processes. However, every insurance company has its own algorithm for evaluating risk and this is just one of many factors considered when determining premiums.
Cost considerations for young drivers in West Virginia
Young drivers may be able to offset some of their high insurance costs by remaining insured on their parents' policy rather than purchasing their own. Note that carriers generally require drivers to live at home to be listed on their parents' policy.
|
|
|
|---|---|
|
Age 16*
|
Avg. annual premium for drivers in WV
$4,409
|
|
Age 17
|
Avg. annual premium for drivers in WV
$4,094
|
|
Age 18
|
Avg. annual premium for drivers in WV
$3,778
|
|
Age 19
|
Avg. annual premium for drivers in WV
$3,311
|
|
Age 20
|
Avg. annual premium for drivers in WV
$3,140
|
|
|
|
|---|---|
|
Age 18
|
Avg. annual premium for drivers in WV
$5,868
|
|
Age 19
|
Avg. annual premium for drivers in WV
$4,717
|
|
Age 20
|
Avg. annual premium for drivers in WV
$4,331
|
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 55 percent more |
| Age 19 | 42 percent more |
| Age 20 | 38 percent more |
*18- and 20-year-old are renters on their own policies with no discounts applied
How does driving record impact the cost of car insurance in West Virginia?
A driver's record will considerably influence their car insurance premium. Incidents such as speeding, at-fault accidents and DUIs are viewed by insurers as indications of higher risk. For example, a speeding ticket might result in a moderate rate increase, while a DUI can substantially elevate premiums due to the severe risks associated with intoxicated driving. Comparing the average cost of car insurance in West Virginia for drivers with one of these incidents to those with a clean driving record shows that maintaining a clean driving history can lead to more favorable premiums.
The table below illustrates the variance in average rates based on driving incidents.
|
|
|
|
|---|---|---|
|
Clean driving record
|
Avg. annual premium* in West Virginia
$2,132
|
Percentage increase from West Virginia avg. annual premium*
0%
|
|
Avg. annual premium* in West Virginia
$2,494
|
Percentage increase from West Virginia avg. annual premium*
17%
|
|
|
Avg. annual premium* in West Virginia
$2,841
|
Percentage increase from West Virginia avg. annual premium*
33%
|
|
|
Avg. annual premium* in West Virginia
$3,718
|
Percentage increase from West Virginia avg. annual premium*
74%
|
Car insurance rates in West Virginia by credit tier
Another factor that can affect West Virginia car insurance rates is your credit-based insurance score. Drivers with excellent credit histories pay an average of 22 percent less than the average cost of car insurance in West Virginia. Those within an average credit tier pay about 13 percent more than average, while poor credit could mean paying an average of 117 percent more for auto insurance.
|
|
|
|
|---|---|---|
|
Avg. annual premium* in West Virginia
$4,618
|
Percentage change from West Virginia average annual premium*
117%
|
|
|
Average
|
Avg. annual premium* in West Virginia
$2,405
|
Percentage change from West Virginia average annual premium*
13%
|
|
Avg. annual premium* in West Virginia
$2,132
|
Percentage change from West Virginia average annual premium*
0%
|
|
|
Excellent
|
Avg. annual premium* in West Virginia
$1,674
|
Percentage change from West Virginia average annual premium*
-22%
|
West Virginia car insurance rates by vehicle type
Did you know that the vehicle you drive impacts your auto insurance rates? Insurance companies may charge different rates based on the make and model of your vehicle. These differences may be the result of varying safety features, repair costs, theft rates and other criteria.
|
|
|
|---|---|
|
Avg. annual premium* in West Virginia
$2,132
|
|
|
Avg. annual premium* in West Virginia
$2,080
|
|
|
Avg. annual premium* in West Virginia
$1,885
|
|
|
BMW 330i
|
Avg. annual premium* in West Virginia
$2,722
|
|
Toyota Prius
|
Avg. annual premium* in West Virginia
$2,231
|
Estimate your car insurance cost in West Virginia
Navigating the multitude of car insurance options and trying to anticipate your potential premium might seem like a confusing task. However, Bankrate's convenient calculator widget aims to simplify the process. By entering a few key details, our tool offers a ballpark figure of what you might pay for coverage in West Virginia. While it doesn't provide a precise quote, it does offer a glimpse at what you could expect your rate to be to help you plan your finances.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How to save on car insurance in West Virginia
Car insurance is a necessary expenditure, but that doesn’t mean it has to break the bank. While West Virginia car insurance rates can be influenced by multiple factors, there are proactive steps drivers can take to alleviate some of these costs. In addition to the benefit of maintaining a clean driving record, there are several other strategies that could potentially lower your premium in West Virginia.
- Ask about discounts: Car insurance providers often offer discounts to eligible drivers to help them save on premiums. These can range from paperless billing to claims-free drivers, safety features in your vehicle, and more. Some may be easy to qualify for quickly, while others may take more time and intention.
- Check your mileage: If you drive less than others, you may qualify for a low-mileage discount. Alternatively, you might benefit from usage-based insurance, which determines rates partly based on how much you drive.
- Review your coverage selections: If you own an older car, you may be able to remove comprehensive and collision coverage if the cost of these coverage types is more expensive or on par with the value of the vehicle. Increasing deductibles may be another way to save, but you'll want to make sure you can pay the higher deductible or repair your car out of pocket in a pinch if you are involved in an accident. You’ll have to maintain at least the state-required minimum coverage levels.
- Shop around and compare quotes: Most auto insurance policies are renewed annually. That can be a wise time to compare your current insurer to some alternatives and potentially switch carriers. Many insurers offer free online quotes, which can be used to see which may provide you with the cheapest rates. In some cases, you may be able to save money by not renewing your current policy and instead changing to one of these new providers.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
These are sample rates and should only be used for comparative purposes.
Bankrate Scores
Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
-
Cost & ratings 50%
-
Coverage & savings 30%
-
Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
