Average car insurance cost in West Virginia
West Virginia lands in the affordable middle of the pack at #15 of 51, with average premiums about 14% below the national average — around $348 a year cheaper than the typical American driver pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How West Virginia compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in West Virginia next to nearby states:
| State | Full coverage /mo | Difference vs WV |
|---|---|---|
| West Virginia | $179 | — |
| Virginia | $169 | −$10/mo |
| Pennsylvania | $198 | +$19/mo |
| Ohio | $148 | −$31/mo |
| Kentucky | $208 | +$29/mo |
| Maryland | $211 | +$32/mo |
West Virginia car insurance FAQ
How much is car insurance in West Virginia?
Full-coverage car insurance in West Virginia averages $179 per month ($2,148 per year). A state-minimum liability policy averages $65 per month ($780 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in West Virginia more expensive than average?
No. West Virginia's full-coverage average of $179/month is about 14% below the U.S. average of $208/month, ranking #15 of 51 (1 = cheapest).
Is West Virginia a no-fault state?
No. West Virginia is an at-fault (tort) state — the driver who causes an accident is responsible for the other party's injuries and property damage through their liability coverage.
How much cheaper is minimum coverage in West Virginia?
Minimum liability in West Virginia averages $65/month versus $179/month for full coverage — a gap of $114/month, or $1,368/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.