It takes some research to find the best car insurance in West Virginia. However, it is well worth the effort. The cost for car insurance is $458 per annum for the minimum coverage, and $1,499 for full-coverage car insurance. Although traffic-related deaths are more than the national average it is possible to get cheap car insurance in West Virginia for licensed drivers.
West Virginia has the cheapest car insurance
In West Virginia, you can start your search for affordable car insurance by starting with these companies. These carriers are the most popular and affordable in West Virginia.
All over the country
Nationwide offers West Virginia drivers the chance to make up any driving mistakes. By offering discounts for safe driving, the Nationwide SmartRide program will help lower your car insurance costs. This program monitors your driving habits and offers discounts based upon how safe you drive.
Erie
Erie is the smallest provider in the group of West Virginia cheap car insurance providers. This is due in part to the fact that it only offers coverage in a small number of states but has the lowest prices for full and minimum coverage. If you qualify, you may save even more with Erie’s many discounts. It also has a network with State Farm agents in all 87 West Virginia towns. You may be eligible for a discount if you have a clean driving record and completed the State Farm Steer Clear program.
Allstate
Allstate’s rideshare policy may interest West Virginian riders. This fills the gap between being offline and paying a fare. Drivewise by Allstate can offer drivers who are willing to have their driving habits monitored. This could provide savings incentives for safe drivers. Allstate claims that drivers can save up to 40% on their renewals by allowing Drivewise monitor their driving habits. Allstate offers a tool that can help you determine the best coverage levels.
Progressive
Progressive’s Price Tool lets West Virginia residents set a budget, and then find coverage options within it. Progressive allows drivers to compare car insurance rates with different companies, so that you can find the best savings, even if Progressive isn’t the best deal. West Virginia residents can also customize Progressive car insurance with coverages such as rental car reimbursement, custom parts, equipment, gap insurance and rental car reimbursement.
Minimum coverage for West Virginia drivers
All West Virginia drivers must have minimum 25/50/25 liability coverage. It can be broken down as follows:
- Bodily Injury Liability: $25,000 per Person
- Bodily Injury Liability: $50,000 per Accident
- Property damage liability: $25,000 per accident
To be more financially protected, consider increasing your car insurance limits if you own a vehicle of a higher value or have assets like a home or a business. You could be responsible for paying out-of-pocket costs if you inflict more than $25,000 and $50,000 in injuries or damages to others in an accident. Liability insurance does not cover damage to your vehicle, it only covers damages to other people. If your vehicle is damaged or destroyed in an accident, you will have full coverage with collision and comprehensive insurance.
How to Get Cheap Car Insurance in West Virginia
The right company is the key to finding the best auto insurance in West Virginia. There are many other ways to save money:
- Compare additional coverage: Every insurance company offers its own optional coverages, such as roadside assistance and guaranteed replacement value. Compare how rates change when you add additional coverages like full glass coverage. This covers any glass that has been damaged on your vehicle.
- Get multiple quotes: It’s easy to get an online quote and it takes only a few seconds. You can get multiple quotes from different companies to find the best deal that suits your driving style and coverage requirements.
- Get discounts from car insurance companies: Car insurance companies offer discounts to help attract and retain new customers. Do not leave money on the table. You should take advantage of all discounts offered by your insurer, including bundling, early or automatic payments, multiple vehicle discounts, and good student discounts.
- Credit score improvement: West Virginia insurance companies are permitted to check your credit. Poor credit will not prevent you from paying more for your car insurance. Instead, pay down debt and make timely loan and credit card payments. Your car insurance rates could drop if your credit score improves.
- Your deductible should be increased: This is the amount that you will pay in case you are injured in an accident. To save money on your insurance premiums, raise your deductible if you’re a good driver with no history of claims or accidents. It is important to keep in mind that the higher your accident deductible, the more you’ll have to pay.
Questions frequently asked
What is the best West Virginia car insurance?
There is no one best car insurer in West Virginia. It all depends on what insurance company you choose. You can get quotes from several carriers to help you find the best match for your insurance needs.
Which West Virginia state has the lowest car insurance?
According to our sample driver’s rate, Erie has lowest car insurance prices for the state minimum coverage. State Farm’s rates for full coverage are the most expensive. The factors that affect your rate are your driving record, age, location, type of vehicle, and the coverages you choose.
What is the average cost for car insurance in the United States?
For full coverage, the average annual car insurance cost in the United States is $1674. For full coverage, West Virginia’s premiums average $1,499 per year.
Why are teens and young adults paying more for car insurance?
Car insurance premiums depend on many factors such as age, driving record, credit history, vehicle type, and coverage type. Higher rates of insurance premiums for younger drivers are due to the fact that they are more likely to be involved in more serious and fatal crashes. Good news: While premiums decrease as young drivers get older, discounts like being a good student can offset premium increases as they gain driving experience.