Best Car Insurance in West Virginia (2025)

Erie, State Farm, and USAA are three of the best car insurance companies in West Virginia.

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Shopping for car insurance can be difficult. Each driver has different needs and a unique driving history. West Virginia drivers pay an average of $82 per month for liability insurance and $148 for full-coverage car insurance.

Various factors can affect your car insurance rates, such as your age, location, and ZIP code. Although you can’t control some of these factors, you can still find cheaper rates by comparing car insurance quotes.

Insurify analyzed 50 car insurance companies to determine the best car insurance companies in West Virginia. Here’s what you need to know about finding the best car insurance in the Mountain State.

Best car insurance companies in West Virginia

West Virginia has many excellent car insurance companies, but some stand out from the rest. Insurify analyzed various factors like coverage offerings, average costs, available discounts, and industry ratings to determine five of the best car insurance companies for West Virginia drivers.

Learn more about the best car insurance options in West Virginia below.

Erie: Best overall

State Farm: Best for affordability

Progressive: Best for customer service

USAA: Best for military families

GEICO: Best for discounts

  • Our editorial team analyzed regional and national auto insurance companies that sell policies in West Virginia to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.

How to get the best car insurance in West Virginia

You can use the tips below if you’re looking to get the best car insurance for your needs in Virginia.

Average cost of car insurance in West Virginia

The overall average cost of car insurance in West Virginia is $115 per month, compared to the national average rate of $141 per month. West Virginia drivers pay an average rate of $82 per month for liability coverage and $148 for full coverage.

The cost of a full-coverage car insurance policy in West Virginia increased by 5% from 2023 to 2024, from an average of $1,811 to $1,906 for one year’s worth of coverage. This is likely due in part to the increased prices of vehicle repairs and increases in the number of claims.3 Insurify projects an additional 1% increase in 2025.4

Best car insurance in West Virginia FAQs

If you’re still not sure about the right policy for your coverage needs, the following information can help answer your remaining questions about car insurance in the Mountain State.

  • How much is car insurance in West Virginia?

    On average, West Virginia drivers pay $115 per month for car insurance. The average cost of state-minimum coverage in West Virginia is $82 per month, but full coverage is $148 per month.

    For comparison, U.S. drivers pay $101 per month for liability and $180 for full coverage. How much you pay will depend on your driving history, age, ZIP code, and more. The best way to find cheap auto insurance is to compare quotes from multiple insurers.

  • What are the best car insurance companies in West Virginia?

    Erie, State Farm, Progressive, USAA, and GEICO are the best car insurance companies in West Virginia. But those insurers may not be the best choices for you. Every insurer determines premiums differently. It’s crucial to compare car insurance quotes and companies before deciding on a policy.

  • What is the required auto insurance coverage amount in West Virginia?

    West Virginia drivers must carry the state-minimum requirements of $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 per accident in property damage liability coverage. Drivers also need to carry the same liability limits in uninsured motorist coverage.5

Danny Smith
Danny Smith

Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.

Danny has been a contributor at Insurify since March 2022.

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