Auto Insurance in West Virginia
West Virginia’s auto insurance rates are on the low side — on average $1,377 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:
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West Virginia receives significant snowfall in the winter, with snow build up that can last for weeks in more remote, elevated locations. The cloud cover common in this area also leads to substantial fog. West Virginia is located inland, away from any coastal weather, and tornadoes are incredibly rare in this location.
West Virginia Minimum Liability
West Virginia’s state minimum coverage for auto liability covers $20,000 for personal injury claims per person involved, $10,000 in property damage, and the covered cost per accident is $40,000 total. This minimum is below the recommended coverage, which provides $50,000 in bodily injury and property damage coverage, and increases the cap per accident up to $100,000. One of the reasons higher coverage is the best, most cost-effective choice is due to the potential cost of a serious accident.
The average cost associated with an accident in 2013 is $15,443 for personal injuries and $3,231 for the associated property damage. However, this is simply the average for an accident. When you’re traveling along mountain roads with poor visibility or swerving to avoid falling rocks, it’s easy to increase the costs associated with an accident. If you exceed your coverage limit, the rest is coming out of your pocket.
Avoid this problem by looking at a wide range of coverage options with West Virginia auto insurance companies. When you collect multiple car insurance quotes, you see exactly what’s available. A coverage level that drives your premium up too high at your current auto insurance company may be brought down by finding quotes from other carriers.
Cheapest Car Insurance in West Virginia
- $1,302State Farm
These West Virginia auto insurance companies are the most affordable options. When price is a major factor in your decision making process, this list gets you in touch with the lowest cost options in the area. The premium price reduces the amount you pay per month for car insurance in West Virginia, but there are a few drawbacks associated with these price savings.
The primary issue you could run in to with cheaper insurance companies is that their customer service experience isn’t as good. You may have a significant wait time to speak with a representative, and your claims could take some time to process. However, if you need a low cost car insurance option or you don’t drive enough to make more expensive insurance worthwhile, this is an excellent option.
Most Popular Companies by Marketshare
- State Farm
Sometimes you want to go with the most popular car insurance companies, but being popular doesn’t necessarily mean that they’re the best choice. These auto insurance companies certainly have a large ad budget, and are usually a brand established in multiple states, but that doesn’t mean they offer you the best price or service.
When you get quotes from multiple car insurance companies in West Virginia, take a look at these popular options. You may find a great deal, but you aren’t going to receive personalized service or always get the best price.
Choosing the Best Car Insurance in West Virginia
These auto insurance companies in West Virginia are among the best for a few reasons. Their coverage options and customer service provide an experience that makes you want to stick around as long as you have vehicles to insure. Insurance claims don’t take a long time for processing, allowing you to move on past the accident more quickly. You also have access to highly trained agents who can help you with any problems.
Top rated auto insurance companies offer good prices for the premiums, and may offer discounts once you’ve been with the company for some time, or when you prove that you’re a safe driver. If price isn’t your main consideration, you may pay more, but you’re also getting significant benefits.
Where is car insurance most affordable?
Where you live has a lot of bearing on how much you’ll pay for car insurance.
West Virginia has small cities and towns spread throughout this mountain region, with car insurance costs that stay close to the state average. Charlestown offers insurance slightly cheaper than the state average, while Huntington rises slightly above this figure. Most areas of West Virginia receive the same types of weather and exist in the same ecosystem type, presenting similar environmental risk factors to the drivers.
Charleston Auto Insurance
Charleston has the highest population in West Virginia at 50,421, and it’s the state capital. It’s surrounded by rivers, giving this city a natural beauty that plays in well with the many outdoor recreation areas available. The West Virginia Air National Guard has a base here, and they are the home to the West Virginia Power minor league baseball team. Car insurance rates in this area are slightly below state average.
Huntington Auto Insurance
Huntington, with a 49,475 popular, is the second largest city in West Virginia. Its size can partially be attributed to its role as a river port, sitting on the Ohio River and the Guyandotte River. Car insurance rates in this city are slightly more expensive than the state average.
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