Average Cost of Auto Insurance in West Virginia for 2021 | The bank rate


There is more of 1.1 million licensed drivers on West Virginia roads and more 40% of households own two cars. The average cost of auto insurance in West Virginia is an average of $ 458 per year for state minimum liability coverage and $ 1,499 per year for full coverage.

By researching quotes from several auto insurance companies to compare West Virginia rates, drivers can find affordable coverage to meet their needs. Where you live in West Virginia and your driving history are the main factors that determine how affordable your fares are.

How Much Does Auto Insurance Cost in West Virginia?

While the state you live in is a big factor in how much you will pay for auto insurance rates, your driving record, your age, the company you choose for auto insurance, and the type of car. that you drive also make a difference. Auto insurance rates are cheaper in West Virginia than the nationwide average cost of auto insurance, which is $ 565 per year for minimum state coverage and $ 1,674 for insurance. full coverage. We also compared the amount of car insurance in West Virginia by company, city, age, and driving history.

West Virginia Auto Insurance Rates by Company

The table below shows some of the best auto insurance companies offering coverage in West Virginia and the rates the average driver could pay. While we’ve found that Nationwide, Erie, and USAA have some of the cheapest car insurance policies in West Virginia for our example driver, the rates are based on personal and family demographics. The best way to find out which auto insurance company is right for you is to get multiple quotes from different companies to compare coverage and rates.

West Virginia Auto Insurance Rates by City

The auto insurance rates in the table below are for the top 20 cities in West Virginia by population density.

City Average annual premium for full coverage % difference from the average annual state premium
Charleston $ 1,444 -4%
Huntington $ 1,458 -3%
Parkersburg $ 1,416 -6%
Morgantown $ 1,348 -ten%
Martinsburg $ 1,277 -15%
Wheeling $ 1,324 -12%
Weirton $ 1,347 -ten%
Beckley $ 1,472 -2%
Fairmont $ 1,372 -9%
Clarksburg $ 1,373 -8%
Hedgesville $ 1,319 -12%
South Charleston $ 1,449 -3%
Berkeley springs $ 1,310 -13%
Chapmanville $ 1,734 16%
St. Albans $ 1,447 -3%
Charles Town $ 1,290 -14%
Cross the tracks $ 1,443 -4%
Bluefield $ 1,398 -7%
Vienna $ 1,423 -5%
Dunbar $ 1,443 -4%

West Virginia Auto Insurance Rates by Age

In West Virginia, young, inexperienced drivers will pay the most for auto insurance. Drivers between the ages of 50 and 60 tend to pay the cheapest rates for auto insurance. The more driving experience you have and the more you avoid tickets and at-fault accidents, the more you can potentially save on auto insurance per month in West Virginia.

* 16 years calculated on the disclosure of the parent’s policy

Auto Insurance Rates in West Virginia by Driving Record

Maintaining a clean driving record is one way to keep car insurance costs down in West Virginia cheap. A driver with a speeding ticket may see an average 17% increase in their annual premiums, but that increased amount more than doubles for a at-fault accident. Drivers with a DUI conviction in West Virginia pay an average of 79% more per year for auto insurance than drivers without a DUI.

Driving incident Average annual premium for full coverage in West Virginia % increase in average annual premium
Speeding $ 1,757 17%
Accident $ 2,038 36%
DUI $ 2,680 79%

How to save on car insurance in West Virginia

Besides keeping a clean driving record, there are several ways you can save money on auto insurance in West Virginia:

  • Ask about discounts: Most auto insurance companies offer several discount options to make auto insurance more affordable. If you haven’t reviewed your policy recently, discuss your coverage and discounts with your licensed insurance agent to make sure you get all the discounts you’re entitled to.
  • Check your mileage: If you are carpooling to work or work from home, you may be able to get a discount on your car insurance for low mileage. The fewer kilometers you drive per year, the better the savings will be.
  • Consider buying a new car: If you are looking for a new car, consider the safety features offered for different makes and models. As a general rule, the safer a car, the less it will cost to insure. Safety devices are designed to reduce occupant injury and deter theft and include anti-lock brakes, automatic seat belts, daytime running lights and built-in alarm functions.
  • Review the covers: If you own an older car, you may be able to remove full and collision coverage for more savings if the book value is low. Increasing deductibles is another great way to save money, but make sure you can afford the highest deductible or have your car repaired if you remove coverage and get involved in an accident.
  • Buy auto insurance: Each year when your auto insurance needs renewal, get multiple quotes from different companies to compare. You may be able to save money without changing coverage just by changing operators.

Frequently Asked Questions

How long should you have full coverage on a car?

This answer is different for everyone, but in general, once the book value of the car has fallen enough that you can afford to pay the claims out of pocket, it may be time to remove full coverage. and collision. If the vehicle still has a loan or lease, check with your lender before making any changes to the coverage to make sure you are on the terms of the loan.

Which cars have the lowest insurance rates?

Insurance rates are based on several factors besides the vehicle, including where you live and your driving record. Cars with more security features tend to have the lowest auto insurance rates because they reduce injuries and have more security features to ward off the temptation of theft.

What is the cheapest auto insurance in West Virginia?

According to analysis of a driver sample, Nationwide has the cheapest auto insurance rates for minimum and comprehensive state coverage in West Virginia. However, your rates may be different depending on the West Virginia city you live in, the type of car you drive, your age, and your driving history.

Methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record , good credit and the following. coverage limits:

  • $ 100,000 of civil liability per person
  • Civil liability of $ 300,000 per accident
  • Liability for property damage of $ 50,000 per accident
  • $ 100,000 of uninsured bodily injury by a motorist per person
  • $ 300,000 in uninsured bodily injury by a motorist per accident
  • $ 500 collision deductible
  • Full $ 500 deductible

To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week, and cover 12,000 miles a year.

These are sample rates and should only be used for comparison purposes.

Age: The rates were calculated by evaluating our basic profile with 18-60 year olds (base: 40 years old) applied.

Incident: The rates were calculated by evaluating our baseline profile with the following incidents applied: blank (baseline) record, at-fault accident, single speeding ticket, single DUI conviction, and lapse of coverage.



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