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Updated Feb 06, 2025
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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.

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

Age 16*
Average annual full coverage premium in WV
$4,816
Average minimum coverage premium in WV
$1,386
Age 18
Average annual full coverage premium in WV
$6,727
Average minimum coverage premium in WV
$1,769
Age 20
Average annual full coverage premium in WV
$4,811
Average minimum coverage premium in WV
$1,191
Age 25
Average annual full coverage premium in WV
$2,773
Average minimum coverage premium in WV
$679
Age 30
Average annual full coverage premium in WV
$2,364
Average minimum coverage premium in WV
$583
Age 40
Average annual full coverage premium in WV
$2,218
Average minimum coverage premium in WV
$562
Age 50
Average annual full coverage premium in WV
$2,051
Average minimum coverage premium in WV
$539
Age 60
Average annual full coverage premium in WV
$1,947
Average minimum coverage premium in WV
$528
Age 70
Average annual full coverage premium in WV
$2,093
Average minimum coverage premium in WV
$585
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 16*
Average annual full coverage premium in WV
$4,235
Average minimum coverage premium in WV
$1,275
Age 18
Average annual full coverage premium in WV
$5,774
Average minimum coverage premium in WV
$1,595
Age 20
Average annual full coverage premium in WV
$4,113
Average minimum coverage premium in WV
$1,081
Age 25
Average annual full coverage premium in WV
$2,619
Average minimum coverage premium in WV
$675
Age 30
Average annual full coverage premium in WV
$2,325
Average minimum coverage premium in WV
$593
Age 40
Average annual full coverage premium in WV
$2,184
Average minimum coverage premium in WV
$568
Age 50
Average annual full coverage premium in WV
$2,021
Average minimum coverage premium in WV
$541
Age 60
Average annual full coverage premium in WV
$1,906
Average minimum coverage premium in WV
$525
Age 70
Average annual full coverage premium in WV
$2,055
Average minimum coverage premium in WV
$588
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
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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.

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Age 16*
Avg. annual premium for drivers in WV
$4,525
Age 17
Avg. annual premium for drivers in WV
$4,204
Age 18
Avg. annual premium for drivers in WV
$3,883
Age 19
Avg. annual premium for drivers in WV
$3,399
Age 20
Avg. annual premium for drivers in WV
$3,225
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 18
Avg. annual premium for drivers in WV
$6,251
Age 19
Avg. annual premium for drivers in WV
$4,860
Age 20
Avg. annual premium for drivers in WV
$4,462
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age Avg. annual premium difference for drivers on their own policy
Age 18 61 percent more
Age 19 43 percent more
Age 20 38 percent more
Clean driving record
Avg. annual premium* in West Virginia
$2,201
Percentage increase from West Virginia avg. annual premium*
0%
Avg. annual premium* in West Virginia
$2,608
Percentage increase from West Virginia avg. annual premium*
18%
Avg. annual premium* in West Virginia
$2,957
Percentage increase from West Virginia avg. annual premium*
34%
Avg. annual premium* in West Virginia
$3,885
Percentage increase from West Virginia avg. annual premium*
76%
*The rates reflected are for full coverage policies.
Avg. annual premium* in West Virginia
$4,748
Percentage change from West Virginia average annual premium*
116%
Average
Avg. annual premium* in West Virginia
$2,480
Percentage change from West Virginia average annual premium*
13%
Avg. annual premium* in West Virginia
$2,201
Percentage change from West Virginia average annual premium*
0%
Excellent
Avg. annual premium* in West Virginia
$1,735
Percentage change from West Virginia average annual premium*
-21%
*Rates reflect full coverage policies.
Avg. annual premium* in West Virginia
$2,201
Avg. annual premium* in West Virginia
$2,273
Avg. annual premium* in West Virginia
$2,037
BMW 330i
Avg. annual premium* in West Virginia
$2,839
Toyota Prius
Avg. annual premium* in West Virginia
$2,285
*Rates reflect full coverage policies.

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Why we're asking
Methodology
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46
years of industry expertise
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122
carriers reviewed
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34.5K
ZIP codes examined
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1.2M
quotes analyzed

Methodology

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40 year old
Single male and female driver
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2023 Toyota Camry
Primary vehicle
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Good credit score
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Clean driving record
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Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500
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46
years of industry expertise
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122
carriers reviewed
Location Icon
34.5K
ZIP codes examined
Dollar Coin Icon
1.2M
quotes analyzed
Written by
Ashlyn Brooks
Writer II, Insurance
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Edited by Editor, Insurance