Cheapest Auto Insurance in West Virginia (2025)
State Farm offers the cheapest car insurance in West Virginia, with minimum-coverage rates as low as $62 per month.
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Nicknamed the Mountain State, West Virginia’s location in the Appalachian Mountains likely contributes to its low population and cheap car insurance.
Car insurance in West Virginia costs an overall average of $116 per month, compared to the national average rate of $144. Your premium may be more or less than the average, depending on many factors, so it’s a good idea to compare car insurance quotes from multiple companies.
Here’s how to find the best car insurance in West Virginia.
3 of the cheapest car insurance companies in West Virginia
Various factors affect car insurance costs, including your age, ZIP code, driving record, vehicle, and credit history. Because of that, it’s always a good idea to shop for the best deal by comparing quotes from different insurers. Each person’s insurance needs and driver profile vary, so the best insurer for you may not offer the best coverage for another driver.
Here are a few of the cheapest insurance companies in West Virginia.
State Farm
USAA
Erie
How to get the cheapest car insurance in West Virginia
Different factors influence how much you pay for car insurance, including your age, credit history, location, vehicle, and driving record. Even though some of these factors are out of your control, you can find ways to lower your car insurance costs:
Seek out discounts. Before you finalize your insurance coverage, get information about potential discounts. For example, you can secure a lower rate by bundling policies or qualifying for a good student discount.
Maintain good credit. Car insurance companies in West Virginia can consider credit history when determining rates. Better credit correlates to lower rates.
Compare rates. Car insurance rates differ from one insurer to the next, sometimes by hundreds of dollars each year. Get quotes from multiple insurers to find the best deal.
Cheapest liability-only car insurance quotes in West Virginia: State Farm
Drivers in West Virginia must have a minimum of liability car insurance. If you cause an accident, this policy type covers the medical expenses and vehicle repairs for the other driver. It doesn’t cover any expenses related to your bodily injury or property damage.
In West Virginia, the average cost for liability insurance is $83 per month. The following insurers offer the lowest quotes in the state.
Cheapest full-coverage car insurance quotes in West Virginia: State Farm
Even though the state doesn’t mandate full-coverage car insurance, policies with more coverage can provide additional financial protection. These policies usually include liability, comprehensive, and collision insurance. Full-coverage policies can sometimes include medical payments coverage as well.1
You should consider this coverage if you have a new or expensive vehicle or you can’t afford potentially high out-of-pocket costs. And if you lease or finance your vehicle, your lender may require you to purchase full-coverage insurance. In West Virginia, the average cost for a full-coverage policy is $150 per month.
Here are the cheapest full-coverage options for West Virginia drivers.
Car insurance requirements in West Virginia
As an at-fault state, West Virginia mandates that the driver who causes an accident is responsible for the insurance claim. West Virginia drivers must have liability insurance that includes bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage.
Drivers must have the following coverage amounts to meet the state minimum requirements:2
The minimum coverage requirements provide financial protection in the event of an accident, but you can opt for additional coverage to protect you and your vehicle. Consider the following optional coverages:
To determine the amount of coverage you want, you should consider all aspects of your finances, including the value of your vehicle and your ability to pay out of pocket for repairs.
Cheapest car insurance in West Virginia by driving record
Your driving record, especially if it has incidents on it, affects your rates significantly. Incidents like driving under the influence (DUI) charges, at-fault accidents, and speeding tickets can cause your premium to increase. If you have an incident on your record, insurers view you as more likely to repeat the offense again.3
In West Virginia, drivers with an incident on their motor vehicle records pay an average of $97 per month for liability-only policies compared to drivers with clean records, who pay $83.