Average Car Insurance Cost in West Virginia (2024)

West Virginia’s overall average monthly car insurance cost is $117 — lower than the national average rate of $158. The Mountain State’s comparatively small population could help account for its low insurance rates. Another potential reason is that West Virginia is home to some of the safest drivers in the nation, according to an Insurify study.

Even though drivers in West Virginia experience some of the cheapest rates in the country, it’s a good idea to compare quotes from various companies to secure the best deal on the coverage you need.

What’s the average cost of car insurance in West Virginia?

West Virginians pay an average premium of $160 per month for full coverage and $74 per month for liability coverage.

The state requires all drivers to have a minimum amount of liability coverage, including bodily injury, property damage, and uninsured motorist coverage. While liability insurance may be the cheapest option, if you want additional protection from comprehensive and collision insurance, you may want to consider purchasing a full-coverage policy.

In an accident, collision coverage pays for damage to your vehicle regardless of fault. Comprehensive coverage pays for damage to your vehicle from theft, vandalism, severe weather, or other non-collision events.

You may also consider adding medical payments coverage, or MedPay, to cover medical expenses for you and your passengers in an at-fault accident.

Mountain State drivers experience cheaper rates than most of the U.S. But premiums will still vary depending on your ZIP code, age, gender, driving record, marital status, and credit history.

The table below shows liability and full-coverage rates for good drivers from popular car insurance companies in West Virginia.

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Average West Virginia car insurance rates by city

Car insurance rates differ from city to city, even within the same state. This is because driving in different areas carries varying risk levels. For example, due to its lower population, drivers in Parkersburg may have lower rates than drivers in Charleston.

Drivers in more populated areas see higher rates than drivers in more rural areas due to a higher risk of car accidents and crime.^[1]

The table below shows the average monthly liability and full-coverage car insurance in various cities in West Virginia.

Average West Virginia car insurance rates by age

Your age influences your car insurance rates significantly. As newer drivers, teens and young drivers are more likely to engage in risky driving behavior and get into an accident. Younger drivers tend to pay the highest rates.^[1]

Rates begin to drop at 25 as drivers gain more experience. But seniors may start to see their premiums increase around age 70 as age-related conditions, such as a decline in hearing, sight, and motor functions, affect their responsiveness and reaction time.

The table below illustrates the average monthly premium for drivers of different age groups.

How gender affects car insurance rates in West Virginia

Insurance companies evaluate your gender and age when determining your risk level. Research shows that male drivers engage in risky behaviors more frequently than female drivers, including not wearing a seatbelt and speeding.^[2] Younger male drivers get into fatal accidents more than younger female drivers.

As shown in the table below, younger men see the highest rates for a car insurance policy.

These are the average monthly car insurance costs for men and women across various age brackets.

How your driving record affects car insurance rates in West Virginia

Insurance companies use driving history to determine car insurance rates, too. While drivers with a clean driving history generally get the lowest premiums, drivers with incidents on their records will see higher premiums and are considered high-risk. Incidents insurers look for include at-fault accidents, speeding tickets, and driving under the influence (DUI).

West Virginia doesn’t require drivers to file an SR-22 after an incident, but it does use a point system to track incidents. Drivers who reach 12 points on their record face suspension of their license. Additionally, drivers convicted of a DUI in the state must complete 18 hours of DUI education.^[3]

West Virginia drivers with an incident on their record can expect higher rates than people with a clean driving history. Below is the average monthly cost of liability-only and full-coverage car insurance policies for high-risk drivers with an incident on their record.

Average West Virginia car insurance rates by marital status

Your marital status can affect your insurance rates in West Virginia. Married drivers pay slightly lower rates than single drivers because they can split the insurance cost and take advantage of discounts such as a multi-car discount. With this discount, you can insure two or more cars at a reduced rate rather than buying individual policies for each vehicle.

Here’s a look at the average car insurance quote for a single driver and married drivers.

Average West Virginia car insurance rates by credit tier

In West Virginia, insurers can use credit-based insurance scores to determine your likelihood of filing a claim. Studies show that drivers with poor credit history are more likely to file a claim, which results in higher insurance rates.^[4] Drivers with good and excellent credit history are less likely to file a claim and see lower insurance rates.

Below is the monthly average cost of liability-only and full-coverage policies across various credit profiles.

West Virginia car insurance FAQs