- West Virginia car insurance cost averages $2,288 per year for full coverage, or around $191 on a monthly basis.
- West Virginia ranks fourth for cheapest car insurance cost in the Southeast and ranks 21st out of all 50 states.
- Drivers looking for the cheapest West Virginia car insurance should focus on small and midsize SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, and Honda Passport.
How much does West Virginia car insurance cost?
The average cost of car insurance in West Virginia is $2,288 per year, which is 3% more than the U.S. overall average rate of $2,221 per year. Car insurance cost per month in West Virginia averages $191 for a full coverage policy.
The chart below shows average car insurance rates in West Virginia for drivers age 20 to 60 and policy deductibles ranging from $250 to $1,000. Rates are averaged for all 2024 models.
Average car insurance rates in the chart range from $1,606 per year for a high deductible policy for a 60-year-old driver to $5,350 per year for a 20-year-old driver with a low physical damage deductible policy.
When these rates are converted to a cost per month, the average cost of car insurance per month in West Virginia ranges from $134 to $446.
What about drivers younger than age 20?
Out of all driver age groups, teenagers have the highest average car insurance cost. Average quotes in West Virginia range from $5,442 per year for a 19-year-old female driver up to $8,143 per year for a 16-year-old male driver.
For 17-year-old drivers, average car insurance rates in West Virginia will cost $7,555 to $7,889 per year, while 18-year-olds will range from $6,523 to $7,069 per year.
Does cost vary depending on the vehicle being insured?
The make and model of the vehicle being insured makes a big difference in the cost of insurance. The chart below shows average auto insurance rates in West Virginia for 20 of the most popular vehicles sold in the state.
Is car insurance expensive in West Virginia?
West Virginia ranks fourth in the U.S. Southeast region for cheapest car insurance quotes. When compared to surrounding states, West Virginia car insurance costs 19.1% more than Virginia, 2.8% less than Maryland, 16.1% more than Ohio, and 12.8% less than Kentucky.
The chart below compares average West Virginia car insurance rates to all other states in the Southeast region. West Virginia is highlighted in dark blue ranked in fourth place.
When compared to states outside the Southeast region, the average cost of auto insurance in West Virginia is 1.7% cheaper than Arizona, 18.4% cheaper than New York, 21.6% cheaper than California, 2.7% cheaper than Texas, and 3.1% cheaper than than Oregon.
West Virginia ranks 21st out of all 50 U.S. states for car insurance affordability. The neighboring states of Ohio, Kentucky, Virginia, and Pennsylvania rank seventh, 36th, third, and 30th, respectively.
Car insurance cost by automotive segment
The chart below shows average car insurance cost in West Virginia for each of the different automotive segments. Small and midsize SUVs, minivans, midsize pickup trucks, and non-luxury compact and midsize cars will generally tend to have cheaper overall car insurance quotes than other types of vehicles.
If having the cheapest car insurance cost is a priority when shopping for a new or used vehicle, then the data in the chart above can help point you in the right direction as far as the type of vehicles to consider.
It’s important to note, however, that the actual insurance cost for individual models within each segment can vary widely. So as you begin to refine your search to specific models, it’s always smart to get car insurance quotes not only for a specific model, but also for the specific trim level you’re considering.
What is the cheapest car insurance in West Virginia?
The Subaru Crosstrek at $1,692 per year, Honda Passport at $1,822 per year, Toyota GR Corolla at $1,988 per year, and Chevrolet Colorado at $2,016 per year are some of the cheapest vehicles to insure in their respective segments.
Other models with the cheapest rates in their segments include the Kia K5 at $2,202 per year, the Chrysler 300 at $2,180 per year, the Chevrolet Tahoe at $2,148 per year, and the Nissan Titan at $2,136 per year.
For luxury cars, the cheapest car insurance rates for compact, midsize, and full-size models are on the Acura Integra at $2,032 per year, the Mercedes-Benz CLA250 at $2,352 per year, and the Audi A5 at $2,716 per year.
Compact, midsize, and large luxury SUVs with the cheapest insurance rates include the Acura RDX at $1,914 per year, the Jaguar E-Pace at $2,138 per year, and the Infiniti QX80 at $2,564 per year.
The table below takes all 2024 model year vehicles and ranks the 50 vehicles with the cheapest car insurance quotes in West Virginia. Both annual and monthly cost is included and models are ranked from cheapest to most expensive average car insurance cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,692 | $141 |
| 2 | Chevrolet Trailblazer | $1,720 | $143 |
| 3 | Kia Soul | $1,786 | $149 |
| 4 | Nissan Kicks | $1,800 | $150 |
| 5 | Honda Passport | $1,822 | $152 |
| 6 | Buick Envision | $1,834 | $153 |
| 7 | Toyota Corolla Cross | $1,842 | $154 |
| 8 | Hyundai Venue | $1,856 | $155 |
| 9 | Mazda CX-5 | $1,866 | $156 |
| 10 | Ford Bronco Sport | $1,872 | $156 |
| 11 | Volkswagen Tiguan | $1,894 | $158 |
| 12 | Acura RDX | $1,914 | $160 |
| 13 | Nissan Murano | $1,920 | $160 |
| 14 | Buick Encore | $1,942 | $162 |
| 15 | Honda CR-V | $1,948 | $162 |
| 16 | Subaru Outback | $1,950 | $163 |
| 17 | Buick Envista | $1,954 | $163 |
| 18 | Volkswagen Taos | $1,960 | $163 |
| 19 | Kia Niro | $1,968 | $164 |
| 20 | Subaru Ascent | $1,988 | $166 |
| 21 | Toyota GR Corolla | $1,988 | $166 |
| 22 | Honda HR-V | $1,992 | $166 |
| 23 | Nissan Leaf | $2,004 | $167 |
| 24 | Chevrolet Colorado | $2,016 | $168 |
| 25 | Honda Civic | $2,024 | $169 |
| 26 | Lexus NX 250 | $2,024 | $169 |
| 27 | Volkswagen Atlas | $2,030 | $169 |
| 28 | Acura Integra | $2,032 | $169 |
| 29 | Subaru Forester | $2,036 | $170 |
| 30 | Volkswagen Atlas Cross Sport | $2,040 | $170 |
| 31 | Kia Seltos | $2,044 | $170 |
| 32 | GMC Terrain | $2,046 | $171 |
| 33 | Nissan Rogue | $2,054 | $171 |
| 34 | Hyundai Kona | $2,058 | $172 |
| 35 | Mazda CX-30 | $2,062 | $172 |
| 36 | Cadillac XT4 | $2,064 | $172 |
| 37 | Ford Explorer | $2,074 | $173 |
| 38 | Volkswagen ID4 | $2,074 | $173 |
| 39 | Toyota Highlander | $2,080 | $173 |
| 40 | Ford Escape | $2,086 | $174 |
| 41 | Toyota Venza | $2,088 | $174 |
| 42 | Honda Odyssey | $2,090 | $174 |
| 43 | Nissan Sentra | $2,094 | $175 |
| 44 | Subaru Impreza | $2,102 | $175 |
| 45 | Chevrolet Equinox | $2,106 | $176 |
| 46 | Toyota RAV4 | $2,110 | $176 |
| 47 | Mazda MX-5 Miata | $2,116 | $176 |
| 48 | Mazda MX-30 | $2,122 | $177 |
| 49 | Hyundai Tucson | $2,124 | $177 |
| 50 | Chevrolet Traverse | $2,136 | $178 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all West Virginia Zip Codes. Updated June 26, 2025
The table above of the 50 cheapest vehicles to insure in West Virginia tends to pull in a lot of compact and mid-size sedans and SUVs, which do tend to have some of the best average car insurance rates due to low sticker prices and good safety features.
But a lot of people want to know what the cheapest model to insure in each segment is. We already touched on some of them in the first two paragraphs of this section, but here’s the full list of cheapest models by segment and their annual and monthly average car insurance cost in West Virginia.
- Cheapest compact car insurance – Toyota GR Corolla at $1,988 per year or $166 per month
- Cheapest compact SUV insurance – Subaru Crosstrek at $1,692 per year or $141 per month
- Cheapest midsize car insurance – Kia K5 at $2,202 per year or $184 per month
- Cheapest midsize SUV insurance – Honda Passport at $1,822 per year or $152 per month
- Cheapest full-size car insurance – Chrysler 300 at $2,180 per year or $182 per month
- Cheapest full-size SUV insurance – Chevrolet Tahoe at $2,148 per year or $179 per month
- Cheapest midsize pickup insurance – Chevrolet Colorado at $2,016 per year or $168 per month
- Cheapest full-size pickup insurance – Nissan Titan at $2,136 per year or $178 per month
- Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $2,326 per year or $194 per month
- Cheapest minivan insurance – Honda Odyssey at $2,090 per year or $174 per month
- Cheapest sports car insurance – Mazda MX-5 Miata at $2,116 per year or $176 per month
- Cheapest compact luxury car insurance – Acura Integra at $2,032 per year or $169 per month
- Cheapest compact luxury SUV insurance – Acura RDX at $1,914 per year or $160 per month
- Cheapest midsize luxury car insurance – Mercedes-Benz CLA250 at $2,352 per year or $196 per month
- Cheapest midsize luxury SUV insurance – Jaguar E-Pace at $2,138 per year or $178 per month
- Cheapest full-size luxury car insurance – Audi A5 at $2,716 per year or $226 per month
- Cheapest full-size luxury SUV insurance – Infiniti QX80 at $2,564 per year or $214 per month
West Virginia car insurance rates by city
Listed below are some of the larger cities in the state of West Virginia and the average car insurance costs for each. Visit any page to view additional information, including average rates by automotive segment and the vehicles with cheap car insurance quotes in each city.
- Charleston Car Insurance - $2,326 per year or $194 per month
- Huntington Car Insurance - $2,338 per year or $195 per month
- Parkersburg Car Insurance - $2,312 per year or $193 per month
- Morgantown Car Insurance - $2,264 per year or $189 per month
- Wheeling Car Insurance - $2,278 per year or $190 per month
- Weirton Car Insurance - $2,244 per year or $187 per month
- Fairmont Car Insurance - $2,252 per year or $188 per month