Average Car Insurance Cost in West Virginia (2025)
Drivers in West Virginia pay an average of $115 per month for car insurance.
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The average cost of car insurance in West Virginia is $115 compared to the national average of $141. Over the past two years, the average cost of car insurance in West Virginia has risen by 21%. While this is a significant increase, it falls well below the drastic national average increase of 41%.
West Virginia is one of the more rural states in the country, which is part of the reason it’s had lower car insurance costs over the years. Learn more about car insurance costs in West Virginia and what to look for in a policy.
Quick Facts
The average cost of minimum-coverage car insurance in West Virginia is $82 per month.
West Virginia is the fifth-cheapest state in the country for car insurance.
Huntington is the most expensive city in West Virginia for car insurance, on average.
How much is car insurance in West Virginia?
West Virginians pay an average of $115 per month for car insurance. Drivers pay $82 per month for liability car insurance and $148 for full-coverage car insurance, on average.
Full coverage is almost always more expensive than liability coverage since it includes both collision coverage and comprehensive coverage.
Despite these averages, your exact rate will depend on things like your age, driving history, and location.
How West Virginia car insurance rates have changed over the past two years
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To find car insurance rates in West Virginia and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in West Virginia rose to $1,900 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in West Virginia.
See how West Virginia car insurance prices have changed over the past two years below.
Average West Virginia car insurance rates by city
Car insurance rates can vary based on where you live, as insurance companies consider local factors like vehicle theft rates and accident frequency when determining rates. Drivers in larger cities tend to pay higher rates than drivers in rural areas, as there are typically more driving risks associated with living in metropolitan areas. For example, drivers in Morgantown pay less than drivers in Charleston.
Here, you can see how average rates fluctuate based on where you live in West Virginia.
Average West Virginia car insurance rates by age and gender
Your age and gender also have a significant effect on your car insurance rates. Men and younger drivers get into more accidents than women and older drivers, so they typically pay higher car insurance rates.1
Here, you can see how age and gender affect the average rates you’ll pay for coverage in West Virginia.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost to insure popular vehicles in West Virginia
Trucks dominate the list of the most popular cars in West Virginia, with the Chevrolet Silverado and Ford F-Series sitting as the two most popular cars in the state.2 They’re followed by the Toyota RAV4, the Ram 1500/2500/3500, and the Toyota Tacoma.
Take a look at the table below to see each vehicle’s average monthly insurance cost.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in West Virginia
Your driving record has perhaps the most significant effect on your car insurance rates, as it’s a direct indication to insurance companies of what type of driver you are and how likely you are to file a claim in the future. If you have numerous infractions on your record, you’ll pay higher rates than someone with a clean driving history.
Just how much more you’ll pay depends on the number and severity of your driving infractions. Drivers with only a couple of speeding tickets typically see the smallest increases, while drivers with severe infractions like DUIs can see increases of around 50%. Take a look at the table below to see how your driving history can affect your rates.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Even your credit can affect your car insurance rates. Drivers with low credit scores often pay higher rates than drivers with excellent credit, as insurance companies consider them more likely to file claims.3
West Virginia drivers with excellent credit pay an average of $127 per month for full coverage, while drivers with poor credit pay an average of $173 per month for the same policy.
Take a look at the table below to see how your credit history can affect your rates.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to lower your insurance costs in West Virginia
West Virginia average car insurance cost FAQs
If you’re shopping for car insurance, take a look at these answers to some of the most commonly asked questions about car insurance in West Virginia.
The average cost of car insurance in West Virginia is $1,383 per year. Drivers pay an average annual rate of $986 for minimum coverage and $1,779 for full coverage.
The cheapest car insurance company in West Virginia is State Farm, with an average rate of $56 per month. USAA and Erie also offer affordable coverage in the state.
The average cost of car insurance per month in West Virginia is $115. Drivers pay an average of $82 per month for minimum coverage and $148 for full coverage.
Erie, State Farm, and Progressive are some of the best auto insurance companies in West Virginia. Each of these companies offers affordable rates, numerous coverages, and a variety of discounts. The only way to know the best insurance company for you is to compare quotes from multiple insurers.
The car insurance requirements in West Virginia are $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 in property damage liability.4
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