Popular Questions about Car Insurance in West Virginia

On average, West Virginia drivers pay about $1,716 a year (or $143 a month) for their car insurance coverage. This is significantly higher than the national average cost of $1,311 per year.  Shopping around for the best price has the potential to save you hundreds of dollars a year. 

As a vehicle owner in West Virginia, finding a competitively priced policy is easy when you work with a local independent insurance agent. These agents can obtain customized car insurance quotes from multiple insurance companies on your behalf. That way, you can be sure you are getting the coverage you need at an affordable rate. 

Car insurance in West Virginia includes a mixture of mandatory and optional coverage. If you are involved in a collision, here are a few of the ways that your West Virginia auto insurance may be able to help.

  • Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender.
  • Fix Someone Else's Car – Required/Min. $25,000. We officially call this "property damage liability."
  • Pay Your Medical Bills – Optional. We officially call this "personal injury protection" or "PIP."
  • Pay Someone Else's Medical Bills – Required/Min. $25,000 per person; $50,000 per accident. We officially call this "bodily injury liability."
  • Pay For Uninsured Drivers – Required. This is called uninsured motorist insurance. Your policy must include $25,000 per person / $50,000 per accident worth of uninsured motorist bodily injury coverage.

You can also choose to include other coverage with your car insurance policy, including options such as:

  • Roadside assistance and towing coverage
  • Rental car reimbursement coverage
  • Gap insurance
  • Umbrella insurance

West Virginia is what is known as an “at-fault” or “tort” state.

This means that the driver who caused the accident is responsible for covering the cost of damage as well as any necessary medical treatment.

Even though it is mandatory to have car insurance in West Virginia, an estimated one in ten drivers in this state is operating an uninsured vehicle. If caught, these drivers can face fines of $200 to $5,000, the suspension of their driver’s license, and even 15 days to one year in jail.

Uninsured motorist insurance, which is required in this state, is designed to pay for your vehicle repairs and medical expenses if you are in an accident and the at-fault driver is uninsured or underinsured. Your insurance company will then take on the responsibility of trying to collect the money owed from the at-fault driver, and will absorb the costs if unsuccessful.

There is no such thing as a car insurance company that is “best” for everyone.

The most ideal insurance company for one person might not be the most cost-effective choice for another. That is why independent insurance agents compare coverage and prices from a variety of top-rated insurance companies to find the policy that is best for you. 

Yes! There are currently 109 independent insurance agents located throughout the state of West Virginia.

These experienced agents are ready to help you find the best car insurance policy to meet your coverage and budgetary needs. Find an independent insurance agent near you to get started.

How does car insurance work?

Find the Best Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 25.4 Min

National average car thefts per 1,000 2.94 Year

National average car insurance cost $1318 Year

CityCommute time (min)Auto theft rate / 1,000Annual insurance cost
South Charleston16.61.78$1,573
St. Albans23.91.97$1,738
Teays Valley24.10.47$1,592
  1. $158
  2. Charleston, WV Car insurance average monthly cost
  3. The average monthly cost of auto insurance in Charleston is $158.
  4. Because your car insurance rates are customized according to your personal details and the type of car you are insuring, your actual monthly cost could be considerably higher or lower than this amount. Drivers with a long, safe driving history tend to pay a lot less than new drivers or those who have moving violations or accidents in their recent history.
  5. The Governor’s Highway Safety Association has identified Kanawha County as having the highest number of vehicle accidents involving pedestrians in the state. This is one reason why having a significant amount of bodily injury liability insurance is so important in Charleston. If you carry only the state minimum required coverage, an injured pedestrian’s medical bills could easily exceed what your insurance can cover. In that case, you would be expected to make up the difference out of pocket.
  6. A local independent agent can help you review costs for varying levels of liability insurance so you can determine how much coverage you can reasonably afford. Talk to an agent near you to learn more.

  1. $148
  2. Huntington, WV Car insurance average monthly cost
  3. The average monthly cost of car insurance in Huntington is $148.
  4. Remember, this average should only serve as a baseline to give you a general idea of how much a policy will cost. Your actual monthly premiums could be higher or lower than this amount. Insurance companies will use factors such as your age, gender, and driving record as well as details about the vehicle you are insuring to calculate your personalized quote.
  5. Accidents can happen anywhere, especially in the winter when roads can be slick with ice and sleet. Whether you find yourself in a multi-vehicle collision on Interstate 64 or you accidently cause a fender bender in the parking lot of your local Kroger, a good car insurance policy can cover your costs once your deductible has been met.
  6. By purchasing a policy that includes collision coverage, you can be sure that damage to your vehicle is covered, even if the accident is your own fault. Talk to an independent agent in Huntington to learn more about how different coverage options can benefit you.

  1. $125
  2. Morgantown, WV Car insurance average monthly cost
  3. The average monthly cost of auto insurance in Morgantown is $125.
  4. When calculating your actual rate, insurance companies will take several factors into account including details about your vehicle, such as its make, model and year, and information about you like your age, driving record, and sometimes even your credit score. Because of this, your monthly cost could be significantly higher or lower than the city’s average.
  5. According to data from the National Highway Traffic Safety Administration (NHTSA), State Route 19 is the most dangerous road in all of West Virginia. And this road runs right through Morgantown. Of course, accidents can happen anywhere, even while pulling out of your driveway, so it is best to be prepared by having a solid, all-inclusive car insurance policy backing you up. That way, you do not have to worry about an accident costing you a lot of money. As long as your policy includes collision insurance, your vehicle’s damage will be covered, even if you are at fault for the accident.
  6. Talk to a local independent insurance agent to learn more about how your various coverage options can help you.

  1. $144
  2. Parkersburg, WV Car insurance average monthly cost
  3. The average monthly cost of car insurance in Parkersburg is $144.
  4. However, you should take this average with a grain of salt. Your actual monthly cost could be higher or lower than this, since your rate is completely personalized according to factors such as your driving history, vehicle information, deductible amount, and more.
  5. Heavy rains can sometimes bring flash flooding to the area. When this happens, cars can be washed away or damaged beyond repair. Fortunately, if your auto insurance policy includes comprehensive coverage, you can be reimbursed for the value of your car. If you currently owe more for your car than it is worth due to depreciation, you may want to also consider purchasing gap insurance. Comprehensive insurance can also cover against other risks like auto theft, vandalism, and wind damage.
  6. Consult an independent insurance agent in Parkersburg to discover how much it will cost you to include comprehensive coverage in your car insurance policy.

  1. $126
  2. Wheeling, WV Car insurance average monthly cost
  3. The average monthly cost of car insurance in Wheeling is $126.
  4. Of course, this is just an average. Your actual monthly cost could be higher or lower depending on a variety of factors such as your driving record and details about the vehicle(s) you wish to insure. Let an independent insurance agent help you review a variety of customized car insurance quotes so you can find the policy that offers you the best value.
  5. Drivers in Wheeling tend to spend a lot of time on the road. Whether this is due to long commutes to work or frequent out-of-state drives to nearby larger cities like Pittsburgh and Columbus, you put yourself at risk of an accident any time you get behind the wheel. Fortunately, when you have a good car insurance policy backing you up, you do not need to worry that an accident will cause you unnecessary financial harm.
  6. Find out more about what car insurance can do for you by speaking with one of the many experienced independent agents in the Wheeling metropolitan area.