How much is car insurance in West Virginia?

On average, West Virginia drivers pay $197 per month for car insurance. Liability-only coverage costs $138 per month, while full coverage is $256 per month. Your specific premium depends on your insurer, driving record, credit history, age, location, and more.

What are the best car insurance companies in West Virginia?

State Farm is the best car insurance company in West Virginia due to its high 4.4 Insurify Quality (IQ) Score, A++ (Superior) A.M. Best rating, and low rates. Other top insurers include Erie and USAA.

Do you need car insurance in West Virginia?

Yes. Drivers must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability. You also need to purchase the same limits for uninsured/underinsured motorist bodily injury and property damage coverage.

Is West Virginia a no-fault state?

No. West Virginia is an at-fault state. This means the driver who causes an accident is responsible for covering the medical expenses and vehicle damage of the other driver.

Who has the cheapest car insurance in Arkansas?

Drivers in Arkansas have plenty of options for affordable car insurance. The cheapest top provider overall in the state is State Farm, with average premiums of $74 per month. Young drivers under the age of 25, who generally face the highest insurance rates, see the cheapest liability-only rates with Progressive at an average cost of $146 per month. Plenty of cheap insurance providers are available in Arkansas for drivers with different violations. Travelers, Nationwide, and State Farm are some of the top companies offering relatively cheap car insurance coverage for drivers with traffic violations.

What increases car insurance rates in Arkansas?

Young drivers see the highest average rates for car insurance coverage in Arkansas. In fact, Arkansas drivers in their teens can expect to pay over $200 more per month than the state average and nearly $300 more per month than middle-aged drivers in Arkansas. Additionally, drivers with DUIs and at-fault accidents in their recent driving history face steep rate increases. Increasing heavy rainfall, flooding, and other storms in recent years in Arkansas have also contributed to the high cost of car insurance. Weather events are unpredictable and generally lead to insurers paying out a higher number of claims.

How much does car insurance cost in Arkansas?

The average cost of car insurance in Arkansas is $214 per month or $2,568 annually. However, your rate may vary based on your driving profile. Your age, credit history, and driving history will all determine the cost of your car insurance premiums.Teen drivers, drivers under the age of 25, and drivers with violations on their records will usually pay the most for car insurance in Arkansas. However, young and high-risk drivers can still find affordable monthly rates from top companies — Progressive, Travelers, and Nationwide all have relatively low average costs for drivers with violations and for drivers under the age of 25.

What are the best car insurance companies in Arkansas?

Based on Insurify Composite Scores, average rates, financial strength and industry ratings, and customer and claims satisfaction, the best car insurance companies in Arkansas include State Farm, USAA, and GEICO. Smaller insurers like Erie and Safeco also present Arizonans with quality coverage options at cheap monthly rates of $128 and $161, respectively. State Farm policyholders benefit from a rate of $74 per month and solid financial stability, with an A++ rating from A.M. Best. USAA customers pay $95 per month on average, and the company earned an A++ rating from A.M. Best. At $124 per month, GEICO car insurance costs more by comparison, but the company also earned an A++ rating from A.M. Best.

Does Arkansas require car insurance?

Yes, car insurance is required in Arkansas and all Arkansas drivers are required to carry the state minimum liability insurance. In Arkansas, all drivers must carry $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage. Liability-only car insurance will pay for claims if you're involved in an at-fault accident. However, only carrying minimum liability insurance leaves you at risk. Purchasing full-coverage car insurance, which includes collision and comprehensive car insurance coverage, is a good way to ensure that you'll be fully protected when driving.

Does car insurance follow the car or the driver in Arkansas?

Car insurance follows the car in Arkansas in most cases. If you let someone else drive your car and they get into an accident, they’ll be covered by your liability insurance coverage — bodily injury liability will cover the cost of injuries to the other driver, and property damage liability will pay for any damage to the other driver's car.However, it’s never a good idea to let anyone without an insurance policy drive your car. In Arkansas, if the cost of injuries and damages exceed your policy limits in the event that someone driving your car gets into an accident, their policy will kick in and cover any remaining costs.

Do you need personal injury protection (PIP) coverage in Arkansas?

In Arkansas, drivers are not required to carry PIP coverage. Because Arkansas is an at-fault state — a state where in the case of an accident, the driver who causes the crash is liable for compensating the other involved driver(s) for any losses — Arkansas drivers are only required to carry liability coverage. However, PIP is available should you want it.

What is full-coverage car insurance in Arkansas?

In Arkansas, a full-coverage car insurance policy generally includes the state minimum liability coverage plus optional collision and comprehensive coverage. Although additional coverage is more costly than the state minimum required coverage, purchasing full-coverage insurance will ensure that you’re protected on the road.Collision insurance will cover the cost of repairs to your car in the event of an accident. Comprehensive coverage, on the other hand, will cover replacement or repair costs for any damage that is not the result of a car accident. Damage from natural disasters, fires, falling objects, and animals are all covered by comprehensive insurance.

Cheapest Car Insurance Quotes in West Virginia for 2023

Nicknamed the Mountain State, West Virginia is in the nation’s Appalachian region. West Virginia is the third most-forested state in the country, and most residents live in rural communities of fewer than 2,500 people.^[1]

Car insurance in West Virginia costs an average of $197 per month, which exceeds the national average rate of $139. State Farm, USAA, and Erie offer some of the cheapest auto insurance rates in West Virginia. But your specific premium will depend on your driver profile and coverage selections.

Here’s how to find the best car insurance in West Virginia.

Quick Facts

West Virginia drivers pay an average of $256 per month for full-coverage insurance.
Auto insurers in West Virginia can consider your credit history when determining your premium.^[2]
West Virginia is an at-fault state, so the driver who causes an accident is responsible for the other driver’s costs for vehicle damage and bodily injury.^[3]

Find Car Insurance in West Virginia

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Best car insurance companies in West Virginia

Various factors, including your age, ZIP code, driving record, and credit score, affect car insurance costs. Because of that, it’s always a good idea to shop for the best deal by comparing quotes from different insurers. Each person’s insurance needs and driver profiles vary, so the best insurer for you may not offer the best coverage for another driver.

Here are a few of the best insurance companies with the cheapest rates in West Virginia.

Best insurer for cheap rates: State Farm

cheap rates State Farm

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.4
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	851
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$33/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$54/mo

Overview

State Farm is a well-known insurer that sells products in most states. In West Virginia, the company offers some of the cheapest options in the state for liability-only and full-coverage car insurance. Most customers report positive experiences working with local agents and appreciate the digital access for claims. Discounts can help keep costs down even more.

As a company, State Farm has an A++ (Superior) AM Best financial strength rating and a below-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC).

Pros and cons

Pros

Cheapest average rates in West Virginia
You can work with independent agents

Cons

No gap insurance
Mixed customer reviews about the claims process on the Better Business Bureau (BBB) website

Reviews

Friendly; knowledgeable; cares for customer needs

Phyllis - February 1, 2023

Verified

Premiums jump every six months

Kenneth - January 31, 2023

Verified

They are great; prompt, polite, very educated

Angela - January 31, 2023

Verified

Read our State Farm review

Best insurer for drivers with a speeding ticket: USAA

Drivers with a Speeding TicketUSAA

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.3
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	881
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$40/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$65/mo

Overview

A members-only insurance company, USAA only sells coverage to active, reserve, and retired military personnel and their eligible family members. This company offers full-service banking, including checking accounts, retirement services, and investing.

USAA offers various auto insurance discounts, including bundling discounts. It also has an A++ (Superior) AM Best financial strength rating and a below-average number of customer complaints filed with the NAIC.

Pros and cons

Pros

SafePilot program can lower costs by up to 30%
Extensive discounts

Cons

Only available to military members, veterans, and their families
Limited hours for phone support

Reviews

The representative was very helpful and caring. I felt valued.

Tawana - January 17, 2023

Verified

I have been a member for 14 years. They have always delivered excellent customer care anytime I needed to reach out to them for any reason, whether it was to resolve an issue or assist me with an application for one of the many services and products they offer.

Christina - January 17, 2023

Verified

Exceptional customer service

Anthony - January 15, 2023

Verified

Read our USAA review

Best insurer for teen drivers: Erie

teen driversErie Insurance

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.4
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	867
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$40/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$66/mo

Overview

Car insurance from Erie is only available in a handful of states, but West Virginia is one of them. The company offers an appealing Rate Lock feature, which guarantees that premiums won’t increase. Rates are competitive for drivers in West Virginia, especially for young drivers.

Erie earned an A+ financial strength rating from A.M. Best and a below-average number of customer complaints filed with the NAIC.

Pros and cons

Pros

High J.D. Power customer satisfaction rating in the Mid-Atlantic region
Rate Lock guarantee to avoid price increases

Cons

Doesn’t offer usage-based coverage
You can’t buy a policy or file a claim online

Reviews

My agent was always there for me.

Dinah - December 4, 2022

Verified

They treat me well.

Jordan - October 25, 2022

Verified

Friendly service

Darlene - September 6, 2022

Verified

Read our Erie Insurance review

Cheapest liability-only car insurance in West Virginia

Drivers in West Virginia must have a minimum of liability car insurance. If you cause an accident, this policy type covers the medical expenses and vehicle repairs for the other driver.^[4] It doesn’t cover any expenses related to your bodily injury or property damage.

In West Virginia, the average cost for liability insurance is $138 per month. The following insurers offer the lowest quotes in the state.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

7+ years experience in data analysis
Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	33
USAA	40
Erie	40
GEICO	60
Liberty Mutual	65
State Auto	67
Progressive	71
Allstate	84
Direct Auto	88
Dairyland	89
Midvale Home & Auto	91
Clearcover	91
Foremost	99
CSAA	114

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in West Virginia

Even though the state doesn’t mandate full-coverage car insurance, policies with more coverage can provide additional financial protection. These policies usually include liability, comprehensive, and collision insurance. Full-coverage policies can sometimes include medical payments coverage as well.^[5]

You should consider this coverage if you have a new or expensive vehicle. And if you lease or finance your vehicle, your lender may require you to purchase full-coverage insurance. In West Virginia, the average cost for a full-coverage policy is $256 per month.

Here are the cheapest full-coverage options for West Virginia drivers.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

7+ years experience in data analysis
Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	54
USAA	65
Erie	66
Nationwide	77
GEICO	99
Progressive	117
Liberty Mutual	133
Allstate	137
Clearcover	146
State Auto	149
Midvale Home & Auto	157
Direct Auto	186
CSAA	203
Dairyland	236
Foremost	240

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Car insurance requirements in West Virginia

As an at-fault state, West Virginia mandates that the driver who causes an accident is responsible for the insurance claim. West Virginia drivers must have liability insurance that includes bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage.^[6]

Drivers must have the following coverage amounts to meet the state minimum requirements:

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person $50,000 per accident
Property damage liability	$25,000 per accident
Uninsured/underinsured motorist bodily injury coverage	$25,000 per person $50,000 per accident
Uninsured/underinsured property damage coverage	$25,000 per accident

The minimum coverage requirements provide financial protection in the event of an accident, but you can opt for additional coverage to protect you and your vehicle. Consider the following optional coverages:

Comprehensive coverage

If your vehicle sustains damages due to theft, vandalism, severe weather, or other non-collision incidents, comprehensive coverage helps pay for repairs.

Collision coverage

Whether or not you cause an accident, this coverage helps pay for vehicle damage due to a crash.

Medical payments coverage

This optional insurance policy kicks in to cover some of the medical bills for you and your passengers following an accident.

Determining the amount of coverage you want requires you to consider all aspects of your finances, including the value of your vehicle.

“If you’re insuring an older vehicle, you may decide that you don’t need comprehensive [and] collision coverage, which pay for damage to your own car,” advises Bob Passmore, department vice president of personal lines for the American Property Casualty Insurance Association.

Cheapest car insurance for drivers with an incident

Your driving record, especially if you don’t have a clean driving record, significantly affects your rates. Incidents like driving under the influence (DUI) charges, at-fault accidents, and speeding tickets can cause your premium to increase. If you have an incident on your record, you can compare quotes from different insurers to find the best deal.^[7]

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Cheapest car insurance for drivers with a speeding ticket

One or more speeding tickets on your record can cause your car insurance rates to increase. Finding a good deal with a speeding ticket on your record is still possible, but you need to compare rates.

Here are the cheapest car insurance companies in West Virginia for drivers with a speeding ticket.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

7+ years experience in data analysis
Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	83	51
USAA	100	62
Erie	102	62
GEICO	153	93
Progressive	181	110
Liberty Mutual	206	100
Allstate	212	130
Clearcover	226	141
State Auto	230	104
Midvale Home & Auto	243	141
Direct Auto	287	136
CSAA	314	176
Dairyland	365	138
Foremost	371	153

Cheapest car insurance for drivers with an at-fault accident

If you cause an accident, insurance companies consider you at fault. The car accident doesn’t stay on your driving record indefinitely, but it typically affects your insurance rates for three to five years.^[8]

Consider the following insurers if you have an at-fault accident in West Virginia.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

7+ years experience in data analysis
Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	85	52
USAA	102	63
Erie	104	63
GEICO	156	95
Progressive	184	112
Liberty Mutual	210	102
Allstate	216	132
Clearcover	230	143
State Auto	235	106
Midvale Home & Auto	247	143
Direct Auto	293	139
CSAA	320	180
Dairyland	372	140
Foremost	378	156

Cheapest car insurance for drivers with a DUI

Drivers with a driving under the influence (DUI) violation can expect their car insurance rate to increase. Some insurance companies will refuse to renew your coverage after a DUI conviction, but some insurers specialize in coverage after a DUI.

Here are the insurers with the best quotes for drivers with a DUI in West Virginia.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

7+ years experience in data analysis
Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	96	59
USAA	115	71
Erie	117	71
GEICO	176	107
Progressive	208	126
Liberty Mutual	236	115
Allstate	243	149
Clearcover	259	162
State Auto	265	119
Midvale Home & Auto	279	162
Direct Auto	330	156
CSAA	360	202
Dairyland	419	158
Foremost	426	176

Cheapest car insurance for seniors

Insurance companies consider your age as a factor when determining rates. Rates typically decrease steadily in adulthood between the ages of 35 and 75, thanks to years of driving experience. But as drivers deal with new age-related risks, insurers may increase prices again around age 75.^[9]

The following insurers offer the cheapest monthly car insurance quotes for senior drivers in West Virginia.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

7+ years experience in data analysis
Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	26	16
USAA	31	19
Erie	32	19
GEICO	48	29
Progressive	57	34
Liberty Mutual	64	31
Allstate	66	41
Clearcover	71	44
State Auto	72	32
Midvale Home & Auto	76	44
Direct Auto	90	43
CSAA	98	55
Dairyland	114	43
Foremost	116	48

Cheapest car insurance for teens

Car insurance companies determine premiums based on how likely a driver is to file a claim. Because teenagers have limited driving experience and may engage in unsafe habits like speeding, insurers usually charge high rates for coverage.^[10]

If you need to insure a teenage driver, consider having your teen join your insurance plan, selecting a vehicle with additional safety vehicles, and encouraging your teen to complete a safe driving program to reduce costs. You can also ask your insurance company about good student discounts for younger drivers.

As you compare quotes and shop for the best rate, consider the following insurers for teen drivers.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

7+ years experience in data analysis
Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	109	67
USAA	132	81
Erie	134	81
GEICO	200	121
Progressive	237	144
Liberty Mutual	269	132
Allstate	277	170
Clearcover	296	184
State Auto	302	136
Midvale Home & Auto	318	184
Direct Auto	377	178
CSAA	411	231
Dairyland	478	180
Foremost	486	200

How to get the cheapest car insurance in West Virginia

Different factors influence how much you pay for car insurance, including your age, credit score, location, and driving record. Even though some of these factors are out of your control, you can find ways to lower your car insurance costs:^[11]

Seek out discounts. Before you finalize your insurance coverage, get information about potential discounts. For example, you can secure a lower rate by bundling policies or qualifying for a good student discount.
Maintain good credit. Car insurance companies in West Virginia consider credit scores a factor for rates. Higher scores correlate to lower rates.
Compare rates. Car insurance rates differ from one insurer to the next, sometimes by hundreds of dollars each year. Get quotes from multiple insurers to find the best deal.

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West Virginia car insurance quotes by credit tier

Drivers in West Virginia can expect their credit score to affect their car insurance rates. Car insurance companies use credit scores as a way to determine risk. Even though a few states don’t allow insurers to consider credit scores as a factor, West Virginia does.

You can expect lower rates with an excellent or good credit score. But if you have a poor credit score, your insurance will usually cost more.

Here’s what you can expect to pay in West Virginia for full-coverage insurance based on your credit score tier.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

West Virginia car insurance FAQs

You should decide on the right amount of coverage for you before shopping around for car insurance. The information below can help you navigate the process of finding cheap car insurance in West Virginia.

How much is car insurance in West Virginia?
On average, West Virginia drivers pay $197 per month for car insurance. Liability-only coverage costs $138 per month, while full coverage is $256 per month. Your specific premium depends on your insurer, driving record, credit history, age, location, and more.
What are the best car insurance companies in West Virginia?
State Farm is the best car insurance company in West Virginia due to its high 4.4 Insurify Quality (IQ) Score, A++ (Superior) A.M. Best rating, and low rates. Other top insurers include Erie and USAA.
Do you need car insurance in West Virginia?
Yes. Drivers must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability. You also need to purchase the same limits for uninsured/underinsured motorist bodily injury and property damage coverage.
Is West Virginia a no-fault state?
No. West Virginia is an at-fault state. This means the driver who causes an accident is responsible for covering the medical expenses and vehicle damage of the other driver.

Insurify Insights

How West Virginia Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in West Virginia below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how West Virginia drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Ford F-Series Pickup

#38

State with the Most Speeding Tickets Rank

#41

State with the Moving Violations Rank

#27

State with the Most DUIs Rank

#27

State with the most Suspended Licenses

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. West Virginia is the #40 state in the country for drivers with an at-fault accident on their driving record.
- Rank among states: #40
- Percent of drivers in West Virginia with an accident: 7.3%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. West Virginia is the #27 state in the country for drivers with a prior drunk driving conviction.
- Rank among states: #27
- Percent of drivers in West Virginia with a DUI: 1.4%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. West Virginia is the #41 state in the country for drivers with a reckless driving offense on record.
- Rank among states: #41
- Percent of drivers in West Virginia with a reckless driving offense: 1%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. West Virginia is the #42 state in the country for drivers with a rude driving violation on record.
- Rank among states: #42
- Percent of drivers in West Virginia with a rude driving violation: 1%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. West Virginia is the #38 state in the country for drivers with a speeding ticket on record.
- Rank among states: #38
- Percent of drivers in West Virginia with a speeding ticket: 7%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. West Virginia is the #19 state in the country for drivers with a failure to yield violation on record.
- Rank among states: #19
- Percent of drivers in West Virginia with a failure to yield violation: 0.1%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:

Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

More cities in West Virginia

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Sources

West Virginia Health Care Authority. "West Virginia State Health Plan." Accessed July 28, 2023
West Virginia Offices of the Insurance Commissioner. "West Virginia Insurance Bulletin No. 20 – 12." Accessed July 28, 2023
NOLO. "West Virginia Car Insurance Requirements." Accessed July 28, 2023
Insurance Information Institute. "Automobile Financial Responsibility Laws By State." Accessed July 28, 2023
Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed July 28, 2023
State of West Virginia Offices of the Insurance Commissioner. "West Virginia Informational Letter No. 193." Accessed July 28, 2023
Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed July 28, 2023
West Virginia Department of Motor Vehicles. "Point System." Accessed July 28, 2023
Insurance Information Institute. "Senior driving safety and insurance tips." Accessed July 28, 2023
Insurance Information Institute. "Auto insurance for teen drivers." Accessed July 28, 2023
Insurance Information Institute. "How to save money on car insurance." Accessed July 28, 2023

Katie PowersAuto and Life Insurance Editor

Katie Powers is an insurance writer at Insurify with a producer’s license for property and casualty insurance in Massachusetts and expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.

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Edited byTaylor Milam-Samuel

Taylor Milam-Samuel

8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education

Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.

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Data reviewed byKonstantin HalachevVice President of Engineering

Konstantin HalachevVice President of Engineering

7+ years experience in data analysis
Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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cheap rates State Farm

Best insurer for drivers with a speeding ticket: USAA

Drivers with a Speeding TicketUSAA

Best insurer for teen drivers: Erie

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