Cheap West Virginia Car Insurance Quotes – Cheap Car Insurance in the Mountain State
There are 1.1 million licensed drivers on the road in the state of West Virginia at any given time. That is exactly why obtaining the best cheap car insurance policy in West Virginia for you – and your family – is one of the best moves you can make.
In most cases, you’ll discover West Virginia’s policy minimums don’t provide all the protection you need if there’s an accident or injury in your car – or an incident with another car and that you’ll need full coverage.
With that many people on the road? There’s nothing more important than making sure you, other licensed drivers in your household, and anyone else who might be driving your vehicle have the best possible protection.
Our services at Insurance Geek include connecting drivers in West Virginia with the cheapest car insurance coverage in West Virginia.
To learn how to use our free quote calculator tool and find the right insurance company for you, keep reading!
West Virginia Auto Insurance Minimum Required Coverage
Here, we present a summary of the minimum required coverage in West Virginia auto policies. All 50 states require minimum BI (bodily injury liability) as well as property damage liability coverage. West Virginia also requires all motorists to carry $25,000 in protection against uninsured drivers, so you’ll also find this coverage in your policy.
Bodily injury liability – $20,000 person/$40,000 accident minimum coverage
Bodily injury coverage is intended to give you protection if you injure someone else while driving. It doesn’t matter whether the person you hit is on foot or is someone in a different car.
This portion of your policy will also protect you if you’ve given someone permission to drive your car and they hit someone. BI liability insurance also kicks in if you injure a person while driving someone else’s car and retain your own policy.
Property damage liability – $10,000/accident minimum coverage
Insurance Geek typically recommends $100,000 in property damage liability coverage. That part of your policy covers you if you need to replace someone’s automobile or other property. Cars can get expensive, and you should take note that some accidents involve multiple cars, even though there is only one driver at fault.
Uninsured and underinsured – $25,000 person/$50,000 accident minimum coverage
West Virginia residents who drive and require auto insurance will find that uninsured motorist coverage is a typical part of their policies. If someone without insurance hits your car or hurts you, this type of coverage will protect you.
How Much Will I Pay For Cheapest Auto Insurance In West Virginia?
The average car insurance rates for car insurance coverage in West Virginia are $1380, which is higher than the national average.
How much you will pay usually depends on many individual factors, though.
Age Groups
Age is one of the primary factors insurers will consider when determining your coverage auto insurance rates. Young drivers in West Virginia tend to get higher premiums because they are inexperienced. That also applies to other West Virginia drivers who have obtained their driver’s license recently, regardless of their age.
Driving Records
Good drivers with a clean driving record (i.e., no recent citations or a speeding ticket) under their driver’s license will get the cheapest auto insurance.
Credit Score
Insurers also pay attention to your financial history. Drivers in West Virginia with a good credit score can unlock savings, and vice versa, those with a poor credit rating might get a slightly higher premium.
Even if you have a poor credit rating, we can find an insurer who can give you a discount on the basis of something else if you use our quote calculator to get access to premiums from multiple companies and compare them.
Your Vehicle
In case you’re wondering if that red Ferrari fetches higher premiums, it absolutely does. Red cars statistically have a higher probability of getting into accidents. You can save even with more expensive cars that come with higher premiums by enabling safety features or working with your dealer or an auto security expert to beef up your vehicle’s security.
Location
Cities like Huntington or Charleston may cost you a little more in premiums if you live there due to the population and the higher likelihood of an accident.
Our top cities for providing car insurance for drivers in West Virginia are:
- Charleston
- Huntington
- Wheeling
- Morgantown
- Parkersburg
- Martinsburg
Car Insurance Company
The price of your insurance will largely depend on the insurance company you choose. We allow you to compare quotes – free quotes – from various insurance companies to find the best deal. The only thing you need to do to compare rates is to use our free calculator.
Discount
When getting their car insurance, drivers can qualify for more than one discount and maximize the savings. Our customers take advantage of a variety of options to save, including bundling policies (e.g., home or life insurance or a multi-car policy for you and a family member).
Next, you may be eligible for the so-called “good drivers” discount that multiple insurers give if you haven’t recently been involved in any incidents. Some companies might even be willing to forgive one accident or a citation.
Get Cheapest West Virginia Car Insurance Quotes
West Virginia drivers can use our calculator tool to get an estimate on how much they will pay for insurance.
When you enter your info into the tool on this page, we generate free quotes from multiple insurers who are our carriers. The most recommended ones are Nationwide and Safeco, but you’ll get to compare rates from over 20 companies.
After you compare quotes, you can continue with the shopping process if you’d like with an Insurance Geek agent.
Our services include finding you an auto policy tailored to your needs, regardless of whether you want the minimum or full coverage and what your budget is.
So, get in contact with us today and tell us about your needs!
Can I Get a Discount?
You can absolutely get discounts, and these tend to differ from carrier to carrier.
First, companies love it when you bundle. If you need life or health insurance, or something like renters or homeowners insurance, adding policies from the same carrier you use for auto can save you in premium payments over time.
Most carriers are now giving you a safe driving discount, meaning if you don’t have tickets/citations within a set period of time, you’ll get an opportunity for savings. You’ll also be eligible for a discount if you have no accidents on record.
Low mileage on your car? Great! That is a discount, as well.
Also, we recommend adding anti-burglary devices, daytime running lights, and other anti-theft deterrents to help increase your discounts.
What Does Car Insurance In West Virginia Include?
If you take a look at your West Virginia auto insurance policy, you might see the following types of coverage:
Medical Liability/PIP (Personal Injury Protection)
PIP protection in your auto policy covers any type of injury liability that occurs in your own car. If you or someone driving your car injure someone (including you) while driving, this coverage will cover the costs of associated medical bills.
Collision Coverage
Those dreaded moments of slamming into a vehicle give us all nightmares. Collision doesn’t just cover you when you slam into another car. Whether we’re talking about an object standing still or something in motion like another car, collision can help protect you.
Even backing into that concrete barrier like you did that one time, you ask?
Yes, even that concrete barrier.
Comprehensive Coverage
We all know rural West Virginia is full of wildlife run amok late at night, and hitting a deer is a stroke of very bad luck when it comes to damaging your car. That is where comprehensive insurance kicks in. It isn’t just about the cracks or broken windshields or dings. Comprehensive protects you from “all the other things.”
It’s important to work with your agent to get specific about what this type of coverage might look like for you.
As much as we hate to say it, auto insurance doesn’t cover a broken-down vehicle. Wouldn’t that be nice? Though your auto insurance might come with perks, like a towing service, for instance, it isn’t meant to get you a jumpstart or fix a mechanical problem unless that problem has been caused by an accident.
Uninsured and Underinsured
This type of insurance is used when you are involved in an accident with a person who does not have enough coverage – or has no coverage at all – to pay for your expenses.
Bodily Injury Liability
BI defrays the medical bills of the other party in an at-fault accident. It’s recommended that you get above the minimum limits to make sure you are properly insured.
Property Damage Liability Insurance
This type of coverage kicks in when you damage another person’s property while driving, be it a fence or another vehicle in an at-fault accident. Property damage liability obligatory limits are not enough, so it’s advised that you get higher limits for this coverage.
How Much Coverage Should I Get In West Virginia?
Many clients come to us convinced that they’ll be alright with the minimums. State minimums will only get you on the road and compliant with the law. If you’re injured in an auto accident or injure someone else or damage their property, you’re going to want more than the minimum. We typically recommend 100/300/100.
That means $100,000 for bodily injury, $100,000 for property damage, and $300,000 per accident.
If you opt for coverage lower than these amounts, you may not have the coverage that you need to pay for BI damages or replace a totaled car – which is no fun, especially when it’s your own car. Many drivers are tempted by those legal “on the road” premiums and then end up wishing they’d added the additional coverage later.
Based on the headache it could save you in the long run, a few extra dollars on average in premium payments a month are more than worth it.
FAQ: West Virginia Car Insurance
Q: What car insurance companies have the cheapest car insurance in West Virginia?
A: Car insurance companies with the cheapest average insurance rates in West Virginia are Nationwide and Safeco, a Liberty Mutual company. Besides having affordable services and policies, they offer multiple savings opportunities for their customers. You can use our free quote calculator to compare quotes from these insurers, as well as many other top-rated companies.
Q: What is the average cost of car insurance in West Virginia?
A: West Virginia auto insurance costs about $1380 per year, which is higher than the national average. Many different things are computed into the cost of your West Virginia auto premiums, including driver age, any recent at-fault accidents or tickets on the policyholder or drivers’ records over time, make, model, and the overall age of the vehicle, and more. To calculate how much you will pay for minimum or full coverage, use our quote tool on this page.
Calculate West Virginia Car Insurance Rates
We’re Insurance Geeks because we love giving our customers the auto insurance quotes that help them live better lives. It’s not just about the best possible coverage – it’s also about working with our customers to get them premiums they can afford.
All you need to do is fill out our easy quote form ONLY one time, and we’ll hook you up with a variety of different quotes from at least a few different carriers. We’re geeks, after all – so we do the necessary research and come back to you with quotes all in one sitting.
Let us do the work for you! Get in contact with us and get free quotes!
We’re so proud of our quote tool, which you can use to get auto insurance rates that will work for your needs and those of all the drivers in your household. We work hard to get our West Virginia drivers the best possible policies at the lowest premiums, and we can’t wait to help you!