Car Insurance in West Virginia
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The average semiannual cost of car insurance in the state of West Virginia is $789.92. An insured premiums are influenced by more variables than purely their place of residence. Car insurance underwriters calculate auto insurance rates after assessing a range of criteria such as the policyholder’s age, driving record, marital status, and credit rating. We examined typical car insurance costs in West Virginia across each of the predominant rating factors. We aim to provide consumers insight to identify a car insurance policy that meets their needs and budget.
Company | Semi Annual Permium |
Nationwide | $608.00 |
USAA | $613.50 |
State Farm | $686.00 |
GEICO | $700.00 |
Progressive | $1,066.00 |
Allstate | $1,066.00 |
*Data Methodology – Updated 2/29/2024
The West Virginia car insurance rates are based on a 35-year-old male with the most popular car (Honda Accord) living in WV. The Quote is for full coverage with comprehensive at $500 deductible and collision at $500 deductible.
West Virginia state law requires all drivers to carry minimum liability insurance coverage. The minimum requirements for automobile insurance in West Virginia are:
In West Virginia, driving without insurance is against the law and carries serious penalties. If you are caught driving uninsured, you will likely face fines, license suspension, and possibly jail time.
The minimum fine for a first offense of driving without insurance in West Virginia is $200, and subsequent offenses carry higher fines up to $1,000. Additionally, the DMV will suspend your driver’s license for at least 30 days for a first offense, and up to a year for multiple offenses. This suspension will remain on your record until you provide proof of insurance and pay the required reinstatement fee.
For more serious violations, like causing an accident while uninsured, you may face misdemeanor criminal charges that carry jail time of up to 30 days. In these cases, the court will require you to pay restitution for any damages caused by the accident before lifting any penalties.
Auto insurance rates in West Virginia are generally considered to be lower than the national average. There are a few key reasons for this.
First, West Virginia has fewer drivers per capita compared to most other states. This means less traffic congestion and fewer accidents, resulting in lower insurance claims and premium costs.
Second, West Virginia has a lower population density overall. This means fewer vehicles are on the road at any given time, which again results in fewer accidents and lower insurance costs.
Third, West Virginia has a low cost of living in general, which impacts various factors used in determining auto insurance rates. Expenses like medical costs, repair costs and vehicle replacement costs tend to be lower in West Virginia.
Fourth, West Virginia has a low rate of uninsured drivers compared to other states. This helps keep insurance costs down for insured drivers since insurance companies don’t have to account for as many potential claims from uninsured motorists.
Finally, West Virginia residents tend to have good driving records on average. Fewer traffic violations, speeding tickets and at-fault accidents all contribute to lower insurance premiums.
Car insurance is mandatory in West Virginia, but the cost of coverage can seem high. Fortunately, there are ways to lower your premiums and find cheap auto insurance in West Virginia. Several factors determine your rates, including your age, gender, driving history, credit score, and the coverage you select. However, insurers also offer discounts and programs that can help you save significantly. Here are some of the most common options.
State-Sponsored Programs
The West Virginia Auto Insurance Plan provides coverage to high-risk drivers who cannot get insurance through standard carriers. If you qualify, you may pay higher premiums but will still have the legally required coverage.
Insurer Discounts
Most insurers offer multiple discounts to attract customers, including:
While West Virginia is a sparsely populated state with a low population density, driving a vehicle is still a necessity for many residents. As a result, car insurance is required by state law. Here are some key statistics about car insurance in West Virginia:
West Virginia drivers have many auto insurance options to choose from. Here are the 10 largest car insurance companies in West Virginia based on premium volume in the state.