Cheapest Car Insurance in West Virginia 2022 – WalletHub | Cheap Auto Insurance WV, Cheap Insurance in WV, Cheap Car Insurance West Virginia
Cheapest Car Insurance in West Virginia 2022 – WalletHub | Cheap Auto Insurance WV, Cheap Insurance in WV, Cheap Car Insurance West Virginia

Cheapest Car Insurance in West Virginia 2022 – WalletHub | Cheap Auto Insurance WV, Cheap Insurance in WV, Cheap Car Insurance West Virginia

Cheapest Car Insurance in West Virginia for Good Drivers

erie insurance logo
erie : $ 31 per month
westfield logo
Westfield : $ 31 per calendar month
state farm insurance logo
country farm : $ 35 per month

safeco insurance logo
Safeco : $ 39 per month
nationwide insurance logo
nationally : $ 44 per calendar month

Erie has the cheapest car insurance for most good drivers in West Virginia. Drivers who have never had an accident or received a citation are considered good drivers by insurers and pay less for insurance than drivers with bad records. In addition to low rates, good drivers can often qualify for additional
 

Cheapest Car Insurance in West Virginia for Full Coverage 

safeco insurance logo
Safeco : $ 96 per calendar month
erie insurance logo
erie : $ 97 per calendar month
state farm insurance logo
state farm : $ 98 per calendar month
nationwide insurance logo
countrywide : $ 100 per calendar month
geico logo
Geico : $ 119 per calendar month

Full coverage refers to a policy that goes beyond the
 

Cheapest Car Insurance in West Virginia After a Ticket 

westfield logo
Westfield : $ 31 per calendar month
erie insurance logo
lake erie : $ 32 per calendar month
state farm insurance logo
state grow : $ 38 per calendar month
nationwide insurance logo
nationally : $ 49 per month
allstate logo
Allstate : $ 58 per calendar month

After a
 

Cheapest Car Insurance in West Virginia For Drivers with One At-Fault Accident 

erie insurance logo
erie : $ 38 per calendar month
westfield logo
Westfield : $ 39 per month
state farm insurance logo
state farm : $ 42 per month
nationwide insurance logo
nationally : $ 58 per month
allstate logo
Allstate : $ 66 per calendar month

One at-fault accident will usually affect your insurance negatively for 3-5 years as insurers will consider you
 

Cheapest Car Insurance in West Virginia for Drivers with Poor Credit 

westfield logo
Westfield : $ 43 per month
nationwide insurance logo
countrywide : $ 57 per calendar month
geico logo
Geico : $ 60 per month

safeco insurance logo
Safeco : $ 69 per calendar month
state farm insurance logo
state farm : $ 69 per calendar month

A low credit score often flags drivers as higher risk, so insurers will usually charge them more for coverage. However, since insurers use different formulas to calculate premiums, poor credit might affect your rates more with one company than another. Because each insurance company treats credit differently, it pays to compare quotes.
 

Cheapest Car Insurance in West Virginia for Young Drivers 

erie insurance logo
lake erie : $ 70 per calendar month
state farm insurance logo
department of state farm : $ 75 per month
geico logo
Geico : $ 81 per month
westfield logo
Westfield : $ 101 per month
nationwide insurance logo
nationally : $ 101 per month

Cheapest Car Insurance in West Virginia for Older Drivers 

westfield logo
Westfield : $ 29 per month
erie insurance logo
erie : $ 30 per month
state farm insurance logo
country grow : $ 33 per calendar month
safeco insurance logo
Safeco : $ 39 per calendar month
nationwide insurance logo
countrywide : $ 41 per month

Best Cities for Cheap Car Insurance in West Virginia

City Premium Percent Increase
Keyser $772 0.0%
Elkins $793 2.7%
Berkeley Springs $813 5.3%
Harpers Ferry $823 6.7%
Charles Town $827 7.1%
Hedgesville $827 7.2%
Martinsburg $839 8.6%
Buckhannon $841 9.0%
Grafton $841 9.0%
Bridgeport $842 9.1%
Inwood $844 9.4%
Morgantown $854 10.6%
Fairmont $863 11.8%
Clarksburg $870 12.8%
Wheeling $884 14.5%
Weirton $902 16.9%
Moundsville $905 17.3%
Oak Hill $905 17.3%
Elkview $910 17.9%
Bluefield $920 19.2%
Princeton $924 19.7%
Parkersburg $927 20.1%
Vienna $928 20.2%
Charleston $949 23.0%
Hurricane $956 23.9%
Barboursville $969 25.6%
Dunbar $973 26.0%
Beckley $978 26.7%
Saint Albans $989 28.2%
Huntington $993 28.6%

 

Factors That Affect Car Insurance Premiums in West Virginia

Erie has the cheapest car insurance for most good drivers in West Virginia. Drivers who have never had an accident or received a citation are considered good drivers by insurers and pay less for indemnity than drivers with badly records. In accession to low rates, good drivers can much qualify for extra discounts from their insurance company.Full coverage refers to a policy that goes beyond the minimum country requirements. Because full coverage protects you in more situations, it costs more than the minimal requirements.After a accelerate ticket, most drivers will see their insurance rates go up for 3-5 years. It ’ randomness important to keep in judgment that each insurance company calculates rates differently, so you should constantly get multiple quotes in order to make sure that you get the best deal.One at-fault accident will normally affect your insurance negatively for 3-5 years as insurers will consider you bad. Because of your higher rates, it is even more authoritative to comparison shop.A low credit seduce often flags drivers as higher risk, so insurers will normally charge them more for coverage. however, since insurers use different formulas to calculate premiums, poor people credit might affect your rates more with one company than another. Because each policy company treats credit differently, it pays to compare quotes.Since unseasoned drivers have less experience behind the roulette wheel, insurers tend to charge them higher rates than more mature drivers. On median, most drivers will see their rates drop as they get older with a considerable decrease once they turn 25 years old.Although fledged drivers pay less for car indemnity than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.The table above reflects the average annual cost of car insurance in West Virginia ’ mho largest cities and towns.
2020 cheap car insurance west virginia

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Recap: Cheapest Auto Insurance Companies in West Virginia

The cheapest car insurance company in West Virginia is

For your convenience, we’ve summarized the cheapest companies overall below.
 

Cheapest Car Insurance in West Virginia

  • Erie: $46 per month
  • USAA: $50 per month
  • State Farm: $50 per month
  • Westfield: $58 per month
  • Nationwide: $62 per month
  • Geico: $63 per month
  • Safeco: $70 per month
  • Allstate: $73 per month  

7 Tips for How to Get Cheap Car Insurance in West Virginia

 

1. Compare quotes from both national and regional insurers

In West Virginia, regional insurers like Erie Insurance and The Hartford might have lower rates than national companies like Geico and State Farm, along with comparable customer satisfaction ratings.
 

2. Know the factors affecting insurance in West Virginia

Everyone knows that your driving habits and
 

3. Choose the coverage that is right for you

You need
 

4. Search for discounts

Top car insurance companies in West Virginia have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
 

5. Stay in less expensive zip codes

Car insurance prices can vary a lot based on zip code in West Virginia. On average, drivers in the
 

6. Watch your credit score

West Virginia has one of the lowest average credit scores in the country—around
 

7. Maintain coverage

You’ll see higher rates if you let your insurance lapse, even The cheapest cable car indemnity ship’s company in West Virginia is Erie, which charges an average of $ 46 per calendar month for state-minimum coverage. In addition to being the cheapest car insurance company for West Virginians overall, it is the cheapest option for a number of specific categories, such as well drivers and drivers with one at-fault accident.For your convenience, we ’ ve summarized the cheapest companies overall below.In West Virginia, regional insurers like Erie Insurance and The Hartford might have lower rates than national companies like Geico and State Farm, along with comparable customer satisfaction ratings.Everyone knows that your driving habits and claims history affect how much you pay for car insurance. But in West Virginia, companies can besides consider your long time, sex, citation history, marital condition, and more when setting premiums. The car you drive, your annual mileage, and even some factors beyond your see all impact the price of insurance.You need indebtedness insurance to pay for the early driver ’ mho damages if you ’ re at fault in an accident in West Virginia. Collision and comprehensive examination coverage, on the other hand, are optional and may be unnecessary if you own an older car. Usage-based indemnity might be a better equip than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, besides. Don ’ deoxythymidine monophosphate scrimp on the coverage you need, but do make inform choices. That way, you won ’ t end up paying for more cable car insurance than you need.Top car insurance companies in West Virginia have a variety of discounts, indeed about anyone can find ways to save. You may be able to get a rebate if you ’ re a scholar, veteran, dependable driver, homeowner, will to go paperless, and more.Car insurance prices can vary a batch based on zip up code in West Virginia. On average, drivers in the most expensive parts of West Virginia spend over $ 700 more per year on car insurance than those living in the least expensive areas.West Virginia has one of the lowest modal credit scores in the country—around 659. Drivers in West Virginia need to be particularly aware of their score since insurance companies normally charge people with poor or no credit more than those with good scores. You can check your latest credit score and get personalized credit-improvement advice for free on WalletHub.You ’ ll see higher rates if you let your insurance lapse, even if you don ’ deoxythymidine monophosphate own a car. West Virginia drivers who don ’ t maintain continuous coverage pay an average of 11 % more than those with five or more years of insurance history .

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Video: Cheap Auto Insurance in WV

 

Methodology for Selecting the Cheapest Auto Insurance in WV

 

In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.

Category All Profile Characteristics Good Driver Profile
Gender Male, Female Male
Age 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 45
Marital Status Single, Married Single
Teenage Driver Included on Policy No, Yes No
Driving Record Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident Clean
Miles Driven Per Year 7,500 Miles, 15,000 Miles, 20,000 Miles 15,000 Miles
Coverage Level Minimum, Standard, Full Minimum
Discounts None, Multi-Policy, Homeowner, Student None
Credit Level Poor, Good Good
Filings None, SR22, FR44 None
Car Sedan, Minivan, SUV, Coupe, Truck Sedan

WalletHub ’ s analysis of brassy car insurance companies in West Virginia is based on data from the West Virginia DMV and Quadrant Information Services. in concert with that data, WalletHub used the characteristics listed below to create 40 unlike driver profiles designed to identify the cheapest car indemnity companies for West Virginia drivers in a solicitation of key categories. For each profile, WalletHub compared quotes among top West Virginia car indemnity companies by averaging premiums from 31 travel rapidly codes that represent at least 20 % of West Virginia ‘s population. Military-specific companies like USAA were only considered for the military-specific category, ascribable to their eligibility restrictions. In some cases, they may inactive be the best choice overall for eligible drivers.In the table below, you can see all of the profile characteristics that were used in WalletHub ’ randomness analysis, in summation to the particular subset of characteristics that make up our good Driver profile .

  • Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 in property damage liability, as well as $25,000 in uninsured motorist coverage per person, $50,000 per accident, and $25,000 uninsured motorist property damage coverage per accident, as required by West Virginia’s minimum coverage requirements.
  • Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage and 50k/100k/25k of uninsured motorist coverage.
  • Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, and collision and comprehensive coverage with a $500 deductible.
  • Sedan: 2018 Toyota Camry.
  • Minivan: 2018 Dodge Grand Caravan.
  • SUV: 2018 Toyota RAV4.
  • Coupe: 2018 Ford Mustang.
  • Truck: 2018 Ford F-150.

Where driver profiles are not specified, WalletHub averaged West Virginia insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
Below are extra details regarding the terminology and specific characteristics of the variables in the above table : Where driver profiles are not specified, WalletHub averaged West Virginia indemnity quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is spokesperson merely. individual rates will be different .

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