The average annual cost of full coverage car insurance in West Virginia is $1,449, lower than the national average annual rate of $1,674. The state-required minimum liability insurance will run on average $458 for West Virginians, in contrast to the national average at $565.
More than a dozen factors affect the rates you pays, including age, gender, zip code, and enrolling in policy-related car insurance discounts such as bundling (e.g., combining auto and homeowners insurance). Another factor is your driving record, with a claims-free driving history within the last three to five years getting the cheapest car insurance in West Virginia.
What Is the Average Premium for Cheap Full Coverage Car Insurance in West Virginia?
In West Virginia, drivers pay an average monthly premium of $121 for full coverage car insurance.
One of our favorite recommendations is to seek a full coverage auto insurance policy with liability car insurance, collision and comprehensive coverage combined. Collision car insurance coverage protects against damages caused by vehicle-to-vehicle collisions, whereas comprehensive auto insurance coverage protects against damage due to scenarios outside your control, such as theft, hail, and vandalism.
Fortunately, there are many ways you can tweak your auto insurance policy. These ways include adjusting liability limits, increasing/decreasing deductibles, and adding miscellaneous coverage such as rental car reimbursement, roadside assistance, and medical payments.
How Much Is It for Cheap Liability Insurance or the Minimum Required Car Insurance in West Virginia?
The average cost of the minimum required car insurance in West Virginia is $38 per month.
Included in this coverage is liability car insurance, consisting of bodily injury/death liability insurance and property damage liability insurance, plus the state-required uninsured motorist coverage.
Your cost is subject to several factors, including your age, gender, zip code, type of vehicle and driving record.
How Do Rates Compare Across Major Cities in West Virginia?
Every city in West Virginia pays different rates due to demographic distribution, the number of claims, and incidence rates for theft, vandalism, moving violations, and other high-risk driving behaviors.
See our breakdown below for the monthly average premium five major cities in West Virginia pay.
Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.