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Cheapest Car Insurance Rates In West Virginia (2018)

If you’re trying to find cheap auto insurance in West Virginia, you may have noticed that there’s an overwhelming number of companies vying for your business. Comparing all the options can seem like an endless struggle.

To reduce the hassle and save you time, our Geeks compared car insurance quotes from nine leading companies to find the lowest rates for these four driver categories:

No Recent AccidentsTeen Drivers
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$90/month estimate

$147/month estimate

How many wrecks have you caused in the past five years? If you answered “none,” you may be eligible for a safe driver discount.

The amount you pay for car insurance will ultimately depend on your statistical likelihood of filing a claim, so it’s no wonder why insurance companies love to attract accident-free policyholders. But some companies offer more attractive discounts than others, so it’s important that you compare your options because saving a few dollars each month will add up over time. If you’re part of this driver category, our data indicates that State Farm and Allstate are good places to start your search for low cost insurance in West Virginia.

Best Rates For Teen Drivers

$118/month estimate

$169/month estimate

Young drivers who have less experience on the road are more likely to be involved in accidents. Insurance companies are aware of this, so they typically charge teenagers much higher rates than adult drivers. If you need to find affordable car insurance for teens in West Virginia, try getting quotes from State Farm and Allstate.

Best Rates For Drivers With A DUI

$210/month estimate

$/month estimate

Being convicted of driving under the influence can be a financial nightmare. In addition to fines and attorney fees, your car insurance rate probably took an upward turn. If you’re struggling to pay your monthly premiums, consider switching to Allstate or Geico.

Best Rates For Senior Drivers

$69/month estimate

$/month estimate

Our team crunched the numbers to uncover the best rates for a 65-year-old driver whose annual mileage was 4,000. State Farm was determined to offer the lowest rates at $69 per month, followed by Geico.

STUDY METHODOLOGY

In most segments of our analysis, the driver was a 29 year old who drove 12,000 miles each year in a 2014 Toyota Corolla. Our estimates are based on averages from five WV zip codes for female and male drivers. The teenager in our study was searching for auto insurance coverage that meets the state’s minimum legal requirements. For all other driver types, the liability limits were 50/100/25 and the limits for uninsured motorist coverage were 50/100/25.

What Are The Minimum Coverage Requirements For Car Insurance In West Virginia?

All drivers in West Virginia must purchase car insurance that meets these minimum coverage limits:

  • $25,000 For Bodily Injury To One Person In One Crash
  • $50,000 For Total Bodily Injuries In One Accident
  • $25,000 For Property Damage
  • $25,000 Per Person And $50,000 Per Collision in Uninsured Motorist Bodily Injury (UMBI) Coverage
  • $25,000 Per Collision In Uninsured Motorist Property Damage Coverage

 

cheapest car insurance in west virginia

Visit the PennyGeeks blog to learn how to reduce your car insurance rates.

 

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How Can I Get My Car Insurance Premiums Reduced? Should I Buy Uninsured Motorist Coverage? What Factors Affect My Auto Insurance Rates? When Can My Car Insurance Company Increase My Premiums? What Are Common Reasons Why Car Insurance Claims Are Denied?