Best Car Insurance in West Virginia for 2025

West Virginia is full of stunning scenery. From the Waterfall Trail to the Seneca Skyway and the Cranberry Corridor, the Mountain State is well worth exploring by car. Thankfully, the cost of car insurance in West Virginia is generally lower than the national average, making hopping in the car an easy decision.

Smart Drivers, Smarter Savings.

Compare car insurance rates in Ohio

See if you qualify for a lower rate in less than 2 minutes

Currently Insured?

Yes

Multiple Cars?

Yes

Homeowner

Yes

Age

By clicking the button above, I understand and agree that this site uses site visit recording technology (provided by Trusted Form, Jornaya, and Microsoft Clarity) Privacy Policy

Key takeaways

The best car insurance in West Virginia is State Farm, which costs $78 per month for full coverage.
Drivers with a clean driving record pay an average of $157 per month for full coverage in West Virginia.
Charleston drivers generally pay the most in the state, with a monthly average of $166 for full coverage.

Best car insurance companies in West Virginia

Erie and State Farm generally have the best car insurance in West Virginia. Erie offers the lowest minimum liability coverage in the state, and State Farm has the cheapest full coverage. On the other hand, Allstate had the most expensive full coverage in West Virginia, and Progressive offered the most expensive minimum liability coverage.

Provider	J.D. Power customer satisfaction rating	Estimated monthly full coverage	Estimated monthly minimum liability coverage
Erie	863/1,000	$94	$73
State Farm	843/1,000	$78	$60
Allstate	825/1,000	$197	$151
Nationwide	820/1,000	$176	$136
GEICO	818/1,000	$146	$117
Progressive	814/1,000	$121	$72

Erie: Highest customer satisfaction

Erie Insurance earned among the highest customer satisfaction scores in West Virginia and has the best minimum coverage pricing, averaging $94 monthly. While Erie has the usual traditional policies, it also offers benefits like auto glass repair and covers up to $500 of your pet's vet bills if it is injured in a car accident.

Pros

Erie earned one of the highest customer satisfaction scores in West Virginia
It has multiple policy options, including locksmith services and personal item coverage

Cons

You may find better pricing on full coverage policies with a competitor
Erie had fewer discounts than other insurance companies

Get a quote now | Erie review

Get Custom Quotes Today

Safe Drivers Save with Allstate®

Average Rate:

$ $$ /mo

Get rewarded with savings for having a clean driving record.

Paying too much for car insurance?

Average Rate:

$ $$ /mo

Car insurance can be so simple. And so affordable.

GEICO

The insurance savings you expect.

Average Rate:

$ $$ /mo

Enjoy personalized policies, comprehensive coverage & more.

See how much you could save today!

Average Rate:

$ $$ /mo

Drivers who switch their auto insurance and save with State Farm save $764 on average!

State Farm: Most affordable coverage

State Farm's full coverage car insurance is among the most affordable in West Virginia, averaging $78 per month. It earned the second-highest customer satisfaction score in the state and had some of the lowest minimum coverage, averaging $60 per month. It has standard and specialty coverages with multiple discount options.

Pros

State Farm had some of the lowest cost full coverage insurance in West Virginia
It has agents throughout the state if you prefer to speak with someone in your area

Cons

State Farm does not have some specialty policies like gap insurance
You may find more discount options with a competitor

Get a quote now | State Farm review

Allstate: Best for new cars

Allstate is one of our list's most expensive full coverage options, costing an average of $197 per month. While its coverage is much more expensive than several competitors, it has policies specifically for new cars, like gap insurance, which helps you cover the difference between what you owe on a loan or lease and the car's actual cash value if the vehicle is totaled in an accident.

Pros

Allstate offers multiple options, including new car replacement and repair provision coverage
It earned relatively high customer satisfaction scores

Cons

Allstate had some of the most expensive full coverage on our list
You will likely find better pricing on minimum coverage with a competitor

Get a quote now | Allstate review

Save On Your Auto Insurance

You could save up to $600 with some companies.
Compare dozens of providers in under 5 minutes.
Fast, free, and easy way to shop for insurance.
Quickly find the perfect rate for you.

Average rate:

$ $$ /mo

Nationwide: Best for multi-driver discounts

Nationwide was a more expensive option in West Virginia, costing a monthly average of $176 for full coverage and $136 for minimum coverage. However, its multi-car insurance, the Family Plan, can help you increase the overall discount for every car you insure and lower the premiums for all named drivers.

Pros

Nationwide has standard and specialty policy options, including accident forgiveness
It offers loyalty rewards like key fob replacement and pet protection

Cons

Nationwide's customer satisfaction scores were lower than those of some other carriers
You may find better full and minimum coverage pricing with a competitor

Get a quote now | Nationwide review

GEICO: Best for senior drivers

GEICO offers some of the cheapest full coverage in West Virginia, averaging $146 per month, and senior drivers may be able to save even more. Drivers over 50 may qualify for the Prime Time contract, which guarantees policy renewal as long as you continue the optional coverage. GEICO also offers discounts specifically for mature drivers, like a five-year good driving discount.

Pros

GEICO offers multiple discounts, including up to 10% for drivers over 50 who complete a defensive driving course
It had better pricing on full coverage than most of its competitors

Cons

GEICO earned below-average customer service scores in West Virginia
You can likely find better pricing on the state's minimum coverage

Get a quote now | GEICO review

West Virginia auto insurance requirements

West Virginia requires that all registered vehicles be insured with at least the state's minimum amounts, which are:

$25,000 in bodily injury liability for one person in an accident
$50,000 in boldly injury liability for two or more people in an accident
$25,000 in property damage liability

How to choose a car insurance provider in West Virginia

If you're new to an area or need a new car insurance provider, consider the following while researching:

Compare pricing: Get quotes from at least three companies and double check the coverages and limits match your current insurance. Request quotes online or over the phone, or consider using an insurance broker to help you gather quotes from multiple companies.
Verify a company's financial health: Use a website like AM Best to confirm an insurance company can financially pay claims. Visit the West Virginia Offices of the Insurance Commissioners or the National Association of Insurance Commissioners (NAIC) websites to confirm a company is licensed to do business in West Virginia.
Read reviews: Research how a company solves problems using websites like the Better Business Bureau. If you're new to an area, ask local friends and family members for recommendations.

How much does car insurance cost in West Virginia?

The average cost of car insurance in West Virginia is $157 per month for full coverage and $81 for minimum insurance.

Drivers in Charleston tend to pay the most for car insurance, a monthly average of $166 for full coverage, compared to the national average of $193. Residents of Parkersburg tend to pay the least, a monthly average of $144.

West Virginia car insurance rates by city

Insurance rates can be significantly influenced by the crime rate in your city, especially if the area has a higher-than-average chance of property crime, such as auto theft or vandalism.

City	Avg. monthly full-coverage premium
Parkersburg	$144
Huntington	$159
Morgantown	$150
Martinsburg	$150
Charleston	$166

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in West Virginia

What are the minimum car insurance coverage requirements in West Virginia?

West Virginia law requires that all drivers have at least $25,000 for one person and $50,000 for two or more people in bodily injury liability coverage. Drivers must also have at least $25,000 in property damage insurance.