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Car Insurance in West Virginia

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West Virginia Car Insurance Quotes

The monthly national average cost of auto insurance for residents of West Virginia is $162, which is lower than the national average of $189. Because of West Virginia's rural landscapes and low population density, there are fewer accidents and lower crime rates on average. This plays a factor in the low average monthly premiums.

Read on to learn more about properly insuring your car in West Virginia. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 

West Virginia Car Insurance Laws

You must obtain car insurance if driving in West Virginia under the West Virginia car insurance laws. Operating under a “fault” system, West Virginia minimum car insurance requirements are often abbreviated as “25/50/25” coverage. 

West Virginia’s car insurance minimums are:

  • $25,000 for injury for each person in an at-fault accident
  • $50,000 for injury for each accident you cause
  • $25,000 for property damage liability coverage

Since these are just the minimum requirements, you can opt for higher coverage limits for added protection, enhancing your safety net against unforeseen events and potential losses.

Cheapest Insurance in West Virginia

To find the most accurate car insurance premiums, EverQuote analyzes factors like car make and model, coverage types, consumer profiles, and available discounts. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in West Virginia. 

Rank Insurance company Average monthly premium
1 Nationwide $101
2 USAA $113
3 Auto Club $133
4 State Farm $135
5 Erie Insurance $139

Avg. monthly premiums are weighted by zip code population sizes

Fast, Free Auto Insurance Quotes

Proof of Insurance

“ If you can't provide ... proof of car insurance, you risk

suspension, reinstatement fees,
jail time. ” 

If you can’t provide law enforcement with proof of car insurance, you risk the following:

  • Suspension of your driver’s license for up to 30 days for the first offense and 90 days for any subsequent offenses in the next five years
  • A reinstatement fee of $100 if your vehicle registration is suspended and an additional $50 penalty fee
  • Jail time not exceeding 12 months

There’s no mention of a grace period for new cars in West Virginia car insurance requirements. So, when shopping for a new car, you should work with your current insurance provider or explore new options to secure the necessary coverage and comply with state laws promptly.

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in West Virginia?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in West Virginia?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in West Virginia?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.

🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.