The 5 Best Car Insurance Companies in West Virginia
|USAA||GEICO||Erie Insurance||State Farm||Nationwide|
|Our review||Our review||Our review||Our review||Our review|
|A.M. Best Financial Strength Rating||A++||A++||A+||A++||A+|
|J.D. Power 2019 Overall Customer Satisfaction Score||5/5||4/5||N/A||4/5||2/5|
|Avg. Annual Premium||$518||$553||$564||$658||$749|
|Compare rates||Compare rates||Compare rates||Compare rates|
Quadrant car insurance rate data as of 07/01/2019.
USAA is considered by many to be one of the best auto insurers in the U.S. Customers routinely give it high praise online and it offers some of the lowest rates in the industry.
A major drawback to it, though, is that if you are not an active or retired military member (or at the very least directly related to someone that is), you are not eligible to join. However, if you are any of those things, USAA should be on your short list for auto insurance providers. The numerous discounts alone are enough to catch the eye.
GEICO is available nationwide, so if you ever move out of West Virginia, or are transferring to the state, your auto insurance goes with you. This is good because Geico has some of the most affordable premiums on the market today.
A downside to GEICO is that many people consider its customer support to be average at best. However, with so many discounts available, average customer service may besomething most people are able to overlook.
Erie auto insurance has some of the best customer service ratings in the industry.However, though it excels in over-the-phone business, it doesn’t do quite as well with its online platforms.
Many users report frustration when trying to take care of business either over the web or mobile app. Because Erie is so focused on the customer experience, we expect this to be fixed in the near future.
State Farm has an extensive resource available online through its member portal to help you with just about anything related to your auto insurance. In addition to its online presence you’re always welcome to call in if you need any help. For that, State Farm has over 18,000 trained agents to help.
One area lacking for State Farm is its mobile app. Many people, fresh off the scene of an accident, have apparently had trouble reporting an accident. Since there are so many agents available to take your call though, this may not be a deal breaker for you.
Nationwide offers a lot of discounts to its auto insurance members, many of which are easy to obtain. It also offers users the ability to truly customize their plan to reflect what they both need and want.
The only real drawback to Nationwide is that customers appear to be divided about its service. Online reviews reveal people on both sides of the spectrum.
This is likely easily fixed by truly understanding what comes with your policy and what doesn’t. For that, a customer service representative is just a phone call away.
The Cheapest Car Insurance Companies In West Virginia
|Car Insurance Companies||Average Annual Premium|
|Westfield Ins Co||$1,124|
|Metropolitan Insurance||$ 1,399|
Car Insurance by Credit Rating
|Credit Rating Tier||Average Annual Premium|
|Average Across Credit Rating Tiers||$880|
Quadrant car insurance rate data as of 07/01/2019.
These rates are a sample set meant only for general comparison. Your own premium will vary. Learn how we tested rates for the cheapest car insurance companies below.
Top 3 Cheapest Car Insurance Companies in West Virginia
• USAA – $518
• GEICO – $553
• Erie Insurance – $564
Top 3 Most Expensive Car Insurance Companies in West Virginia
• Metropolitan Insurance – $1,399
• Encompass – $1,312
• Allstate – $1,270
The cheapest auto insurer in West Virginia is USAA (for those eligible) and Geico (available to all), while the most expensive is Metropolitan Insurance. However, note that these annual premium amounts are just the average amount that customers with these companies pay.
What you pay may be entirely different. Premiums are based off of a variety of factors, including where you live, how old you are, your driving record, your car, and the age of your car.
To get a personalized quote, you will need to contact each insurance company and speak to a representative.
Guide to West Virginia Car Insurance
Summarize top things a person should know about buying auto insurance in their state. (Refer to the example below when writing.)
West Virginia Minimum Liability
To understand auto insurance, you need to understand the term liability. Liability basically translates to responsibility. When it comes to auto insurance, no matter where you live, there are two types of liability you need to be aware of: property damage and bodily injury.
For auto insurance, liability insurance means that your insurance provider will pay for the other driver’s car repairs and any medical expenses that resulted from the accident should you be deemed at fault.
In West Virginia, you need to have minimum liability coverage if you want to drive. West Virginia’s minimum liability insurance breaks down as follows:
- $20,000 bodily injury coverage per person
- $40,000 bodily injury coverage per accident
- $20,000 property damage coverage per accident
Consider purchasing more than minimum coverage
It is generally unwise to purchase just the minimum liability coverage. If you’re in a car accident involving another person’s high-end car — the crash might exceed the minimum liability in property damage coverage per accident. You’d have to cover the rest out of pocket. Generally, your safest bet is to purchase the highest amount of auto insurance that fits your budget.
How We Found the Best West Virginia Car Insurance Companies
To determine the best companies in West Virginia, we started with the largest insurance providers in West Virginia, and then further narrowed our list based on A.M. Best ratings and J.D. Power rankings. Discounts and annual premiums also played a big factor, too.
We worked with Quadrant Information Services to provide data on auto insurance rates by company and credit score. Quadrant makes this information available using rate data insurers are required to file with state Departments of Insurance. Rates are based on sample profiles created by Reviews.com for comparative purposes.
West Virginia Car Insurance Companies FAQ
Is auto insurance required in West Virginia?
Yes, all drivers in West Virginia are required to have, at minimum, liability insurance.
Is West Virginia a no-fault state?
No, all drivers involved in a collision must prove fault before they can file a car insurance claim.