Average Car Insurance Cost in West Virginia (2025)
Drivers in West Virginia pay an average of $116 per month for car insurance.
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The average cost of car insurance in West Virginia is $116 compared to the national average of $144. 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.
How much is car insurance in West Virginia?
West Virginians pay an average of $116 per month for car insurance. Drivers pay $83 per month for liability car insurance and $150 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
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.
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.
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.