West Virginia Car Insurance

West Virginia car insurance rates average at $115 per month, but the state is home to one of the smallest auto insurance markets in the nation. This is good news for drivers as West Virginia car insurance companies must compete with one another by offering the lowest rates to attract customers. Start comparing West Virginia auto insurance quotes for free with our comparison tool below.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 23, 2020

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West Virginia car insurance requirements are similar to most states. Auto insurance is both mandatory with minimum levels of coverage required. What’s interesting about West Virginia car insurance are the average premiums are 10% higher than the national average (in the top 30% of the country) yet is home to one of the smallest markets in the nation.

There are over 80 car insurance companies licensed in West Virginia but in terms of risk West Virginia drivers rank much higher than states such as Florida, New York and Texas.

West Virginia Car Insurance Companies

Any driver should always compare car insurance companies – especially in states with higher than average auto insurance rates. Some of the top insurers in West Virginia include:

With almost 80 companies to choose from finding an auto insurer will not be difficult but learn about car insurance discounts before starting any kind of comparison search. Even a simple thing as having 2 policies with the same insurer can save you up to 10% or more on premiums.

Take a look at how state minimum car insurance rates vary from state to state.

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West Virginia Auto Insurance Requirements

West Virginia car insurance laws make it mandatory for all vehicles to carry both liability and uninsured motorist (UM) insurance with at least 20/40/10 coverage which means:

Liability Insurance

  • Bodily Injury: $20,000 / $40,000
  • Property Damage: $10,000

Uninsured Motorist Insurance

  • Bodily Injury: $20,000 / $40,000
  • Property Damage: $10,000

Let’s take a look at the average monthly car insurance rates.

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Let’s take a closer look at how ZIP codes affect car insurance in West Virginia.

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Age and gender will affect your car insurance. Younger drivers are often in a high risk class. See if the gender stereotype (males pay more) holds true in WV.

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Take a look at these 6 major factors affecting auto insurance rates in West Virginia.

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Now let’s see who is the cheapest car insurance company in WV.

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Who are the largest car insurance companies in West Virginia?

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How to buy car insurance in West Virginia?

No matter where you live drivers have many options to purchase car insurance. You can opt to purchase direct through providers, use an independent agent or simply contact a car insurance broker. Most customers today are buying car insurance direct from auto insurance providers. This is simply due to the increase of internet usage for common financial services and what better way to compare car insurance companies than using the power of online research.

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State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Monthly West Virginia Car Insurance Rates by ZIP Code
Average Monthly Car Insurance Rates by Age & Gender in West Virginia
Factors Affecting Car Insurance Rates in West Virginia
West Virginia Car Insurance Rates by Company vs. State Average
West Virginia Car Insurers by Market Share %