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The Best Car Insurance Companies in West Virginia

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    Reviews Report

    • USAA is Reviews.com’s top pick for best car insurance companies in West Virginia, earning 4.8 out of 5.
    • Erie Insurance has full coverage annual premiums in West Virginia as low as $1,183 a year.
    • Car insurance rates in West Virginia are slightly more expensive than the national average

    West Virginia drivers have a number of options when it comes to car insurance. That can make it challenging to find the right car insurance in West Virginia for each driver’s particular needs. We did the research to find the best car insurance in West Virginia based on average premiums, policy options, discounts, customer service, and third-party ratings. The companies we recommend for best West Virginia car insurance are USAA, State Farm, Geico, Nationwide, and Erie.

    The 5 Best Auto Insurance Companies in West Virginia

    • USAA: Best Auto Insurance for Military Members
    • State Farm: Best Auto Insurance for Customer Service 
    • Geico: Best for Multi-Car Insurance
    • Nationwide: Best for Auto Insurance Discounts
    • Erie: Cheapest Car Insurance in West Virginia

    Compare the Best Car Insurance Companies in West Virginia

    ProviderFull Coverage Annual Premium*State Minimum Annual Premium*Reviews.com Score
    AM Best J.D. Power Customer Satisfaction** 
    USAA$1,469.85$457.364.8A++896
    State Farm$1,545.82$537.814.6A++851
    Geico$1,615.49$464.194A++835
    Nationwide$1,300.53$611.243.6A+823
    Erie$1,183.36$323.523.8A+856

    Information accurate as of March 2021

    *Data provided by Coverage.com

    **J.D. Power’s 2021 Auto Insurance Satisfaction Study for the Mid-Atlantic region. Based on a 1,000-point scale.

    Best for Military Members

    WHY WE CHOSE IT

    USAA offers affordable and top-rated car insurance to members of the military, their spouses and children.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $457.36* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 896** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA offers affordable and top-rated car insurance to members of the military, their spouses and children.

    Pros

    • Personalized customer service
    • Affordable policies
    • Many discounts

    Cons

    • Only available to active and retired military members
    • Very few branch locations
    • Coverage is somewhat limited
    Read More

    Types of Coverage Offered

    • Personal injury protection
    • Extended benefits coverage
    • Roadside assistance
    • Rental car reimbursement
    • Accident forgiveness

    Discounts Available

    • Safe driver
    • New vehicle
    • Annual mileage
    • And more

    More USAA Insurance Reviews

    Best for Customer Service

    WHY WE CHOSE IT

    State Farm offers great customer service according to J.D. Power ratings and providers nearly 19,000 agents and plenty of online support options.
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $537.81* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 851** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm offers great customer service according to J.D. Power ratings and providers nearly 19,000 agents and plenty of online support options.

    Pros

    • Impressive financial strength
    • High claims satisfaction ratings
    • More than a dozen discounts

    Cons

    • Fewer add-on coverages than competitors
    • Higher average premiums than some competitors
    Read More

    Types of Coverage Offered

    • Rental car and travel expenses coverage
    • Roadside assistance coverage
    • Rideshare driver coverage

    Discounts Available

    • Policy bundling
    • Accident-free
    • Defensive driving course
    • And more

    More State Farm Insurance Reviews

    Best for Multi-Car Insurance

    WHY WE CHOSE IT

    Geico customers can save up to 25% off premiums when they insure more than one car on a single policy. Let’s not forget its multi-policy discount, which can save more with bundling home and auto insurance.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $464.19* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 835** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico customers can save up to 25% off premiums when they insure more than one car on a single policy. Let’s not forget its multi-policy discount, which can save more with bundling home and auto insurance.

    Pros

    • Cheaper premiums than competitors
    • More discounts than competitors
    • Strong financial ratings

    Cons

    • Average J.D. Power customer satisfaction ratings
    • Limited add-on coverage options
    Read More

    Types of Coverage Offered

    • Personal injury protection
    • Roadside assistance
    • Rental car reimbursement
    • Mechanical breakdown coverage

    Discounts Available

    • Vehicle safety features 
    • New vehicle
    • Good student
    • And more

    More Geico Insurance Reviews

    Best for Discounts

    WHY WE CHOSE IT

    Nationwide offers a variety of discounts that many drivers can take advantage of to get a lower car insurance premium.
    • 3.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $611.24* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 823** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Nationwide offers a variety of discounts that many drivers can take advantage of to get a lower car insurance premium.

    Pros

    • Variety of discounts available
    • Several endorsements for customizable coverage
    • 24/7 claims support

    Cons

    • More expensive average premiums than competitors
    • Below-average customer satisfaction ratings
    Read More

    Types of Coverage Offered

    • Accident forgiveness
    • Gap insurance
    • Towing and labor coverage
    • Total loss deductive waiver
    • Roadside assistance

    Discounts Available

    • Vanishing deductible
    • Anti-theft system
    • Safe driver
    • And more

    More Nationwide Insurance Reviews

    Cheapest Car Insurance in West Virginia

    Why we chose it

    Erie Insurance has the cheapest car insurance available in West Virginia, based on Coverage.com data of state minimum premiums — making it a top choice for drivers who want to pay less.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $323.52* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 856** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Erie Insurance has the cheapest car insurance available in West Virginia, based on Coverage.com data of state minimum premiums — making it a top choice for drivers who want to pay less.

    Pros

    • Strong customer service ratings
    • Add-on coverages for customizable policies
    • Variety of discounts

    Cons

    • Limited availability
    • Average mobile app ratings
    Read More

    Types of Coverage Offered

    • Locksmith coverage
    • Erie Rate Lock program
    • First accident forgiveness
    • Diminishing deductible program
    • Rideshare coverage
    • Non-owners insurance

    Discounts Available

    • Safe driving
    • Car safety features
    • Multi-vehicle
    • And More

    More Erie Insurance Reviews

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2021 Auto Insurance Satisfaction Study for the Mid-Atlantic region. Based on a 1,000-point scale.

    The Average Cost of Car Insurance in West Virginia

    In West Virginia, the average cost of car insurance is $1,631 for a full coverage policy and $518 for a minimum coverage policy. The average premium in West Virginia is slightly more expensive than the U.S. national average rate, which is $1,555 for full coverage insurance.

    West Virginia faces certain weather and environmental risks, like floods and wildfires, that cause car insurance quotes to be slightly above average. Keep in mind that drivers might pay more or less than the statewide average rate based on personal factors, like ZIP code, age, credit score, and claims history. 

    Top 3 Cheapest Car Insurance Companies in West Virginia

    CompanyAverage Annual Premium
    Erie$323.52
    Westfield $378.35
    USAA$457.36

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in West Virginia

    CompanyAverage Annual Premium
    Metropolitan$1,089.13
    Progressive$934.74
    Allstate$823.90

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in West Virginia  

    CityAverage Annual Premium*
    Berkeley Springs$719.91
    Charles Town$733.71
    Hedgesville$747.61

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in West Virginia 

    CityAverage Annual Premium*
    Champanville$935.58
    Huntington$921.68
    St. Albans$911.77

    * Data provided by Coverage.com, price based on the state minimum required policy.

    West Virginia Car Insurance: What You Need to Know

    Having a comprehensive car insurance policy in West Virginia will protect your legal and financial responsibilities if you hit another driver or cause property damage. Consider this data before you purchase a car insurance policy:

    • Motor vehicle accidents are a leading cause of young adult deaths in the state
    • There were 313 motor vehicle deaths in West Virginia in 2010
    • More than 10% of West Virginia drivers do not carry car insurance

    Additional Car Insurance Coverage in West Virginia 

    In addition to the minimum required coverage, drivers in West Virginia can benefit from purchasing add-on policies that offer more protection. Here are some additional coverage options to consider based on common risks in the state:

    • Collision insurance: Collision insurance pays for a driver’s vehicle repairs after an accident. It also applies to accidents with stationary objects and rollovers.
    • Comprehensive insurance: Comprehensive insurance pays for a vehicle’s repairs after a non-collision incident, like a flood, fire, theft, vandalism, falling objects, and hail storms.
    • Uninsured/Underinsured motorist: Since more than 10% of West Virginia drivers do not have auto insurance, UI/UM insurance coverage will step in when a driver hits you but does not have insurance or high enough limits to cover the damage to you, passengers, or the vehicle.
    • Roadside assistance: Roadside assistance covers the cost of battery replacement, fuel delivery, extrication, locksmith services, tire changing, and towing (within a certain mileage) if the vehicle breaks down.
    • Gap insurance: If you lease or finance your vehicle, gap insurance comes in handy. If your car gets totaled in a covered incident, gap insurance pays the difference between your car’s diminished value and the remaining loan balance.

    West Virginia Minimum Insurance Requirements

    Car insurance is legally required in West Virginia if you own a registered vehicle. Drivers must carry personal liability and uninsured motorist liability coverage, with minimum limits of 25/50/25. Every state requires drivers to carry different amounts of car insurance. 

    Minimum liability required in the state of West Virginia is divided as follows:

    • $25,000 bodily injury coverage per person
    • $50,000 bodily injury coverage per accident
    • $25,000 property damage coverage per accident

    West Virginia’s At-Fault Law 

    West Virginia is an at-fault state. That means after an accident, the driver who caused the crash is responsible for compensating the other driver for property damage and medical expenses, if they are injured. In a no-fault state, a driver’s insurance company automatically pays for their medical costs after an accident, regardless of which driver caused the crash.

    West Virginia No Proof of Insurance Penalties

    West Virginia law states that drivers must carry proof of insurance in their vehicle at all times, and provide proof of insurance when requested by law enforcement. If a driver is caught driving without proof of insurance, penalties occur, including registration and license plate suspension, and loss of driving privileges. In order to get a license and plates reinstated, drivers have to pay a fee of up to $200.

    West Virginia Car Insurance FAQ 

    Methodology 

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in West Virginia, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in West Virginia, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100K bodily injury liability per person
    • $300K bodily injury liability coverage per crash
    • $100K property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Elizabeth Rivelli

    Elizabeth Rivelli Contributing Writer

    Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.

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