Cheap car insurance in West Virginia

Cheap car insurance in West Virginia

It is mandatory to get car insurance in West Virginia for drivers to drive legally in the state. Different companies in West Virginia provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in West Virginia:

Name of the Company Average annual car insurance premiums
The Hartford $1044
Erie $1233
USAA $1253
State Farm $1297
Nationwide $1366
Westfield $1422
Safeco $1790
Cal Casualty $1828
GEICO $2066
Progressive $2122
Dairyland $2193
Encompass $2493
Motorists Mutual $2567
Allstate $2696
Metropolitan $3118
Sentry $3999

Cheap car insurance in West Virginia for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in West Virginia with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in West Virginia provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in West Virginia by maintaining a good driving record. Most auto insurance companies in West Virginia provide a 5-10% good driver discount to those having a good driving history without violations.

  • Drivers with no traffic ticket may save $293 on car insurance premiums in West Virginia.
  •  Drivers may save $728 on car insurance premiums if they have an accident-free record in West Virginia.
  •  By maintaining a good credit history you may save $1055 on car insurance premiums in West Virginia. 

Cheap car insurance for inexperienced drivers in West Virginia

Most auto insurance providers may charge high auto insurance premiums in West Virginia from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in West Virginia vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in West Virginia. 

Age Average annual auto insurance premiums with parents Average annual auto insurance premiums for young drivers alone
16 $5833 $6347
17 $5612 $5840
18 $5739 $5175
19 $4915 $3515

Affordable auto insurance in West Virginia for high-risk drivers

Car insurance companies in West Virginia charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in West Virginia can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in West Virginia may get discounts on car insurance policies.

Rating factor Average annual car insurance premium
At-Fault Accident $2110
DUI $2232
Speeding Violation $1673
Bad Credit $2435

Best car insurance companies in West Virginia

Car insurance prices in West Virginia may vary from company to company. Some companies in West Virginia charge lower car insurance premiums than others. To get the best auto insurance policy in West Virginia you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in West Virginia by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in West Virginia:

  1. Allstate
  2. Cal Casualty
  3. Encompass
  4. Erie
  5. GEICO
  6. Liberty Mutual
  7. Motorists Mutual
  8. Nationwide
  9. Progressive
  10. Safeco
  11. State Farm
  12. State Auto
  13. The Hartford
  14. USAA
  15. Westfield

What auto insurance coverage is mandatory to purchase for drivers in West Virginia?

The average annual cost to get the minimum required coverage in West Virginia may be around $609.  The minimum required coverage for drivers in West Virginia to drive legally in the state is:

Coverage type Coverage limit
Bodily injury coverage per person $25000
Bodily injury per accident $50000
Property damage per accident $25000

 

The state minimum auto insurance requirements in West Virginia

The state minimum auto insurance coverage requirement in West Virginia is liability coverage.

  1. $25000 bodily injury coverage per person is required in West Virginia.
  2. $50000 bodily injury coverage per accident is required in West Virginia.
  3. $25000 property damage coverage per accident is required in West Virginia.

Other types of optional coverages in West Virginia are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Medical Payments
  7. Uninsured/Underinsured Motorist Bodily Injury
  8. Uninsured/Underinsured Motorist Property Damage

Fine for driving without car insurance in West Virginia

If anyone caught driving without a car insurance policy in West Virginia then police may charge a fine.

Car insurance prices by cities in West Virginia

Car insurance premiums in West Virginia may vary from city to city. In some cities of West Virginia, car insurance prices are high compared to others.

City Average annual insurance premiums
Beckley $1539
Huntington $1498
Dunbar $1498
St. Albans $1498
Charleston $1496
Cross Lanes $1490
Elkins $1455
Princeton $1452
Bridgeport $1447
Bluefield $1433
Vienna $1425
Morgantown $1422
Fairmont $1408
Clarksburg $1408
Weirton $1400
Moundsville $1386
Martinsburg $1312

If you are looking for a car insurance deal in West Virginia, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

MyMoneyMyQuotes

MyMoneyMyQuotes

Leave a Reply

Your email address will not be published. Required fields are marked *