West Virginia Car Insurance Cost for 2023

How much does car insurance cost in West Virginia? We find the cars with the cheapest insurance quotes plus compare average rates to other states.

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How much does West Virginia car insurance cost?

The average cost of car insurance in West Virginia is $1,612 per year, which is 6.9% less than the U.S. overall average rate of $1,728 per year. Car insurance cost per month in West Virginia averages $134 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 2023 models.

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Chart Data Details: Chart shows average West Virginia car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all West Virginia zip codes.Data last updated on August 12, 2023
Average Car Insurance Cost in West Virginia
Average Car Insurance Cost in West Virginia
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,714$226
$500$3,204$267
$250$3,724$310
30$1,000$1,422$119
$500$1,696$141
$250$1,982$165
40$1,000$1,360$113
$500$1,612$134
$250$1,874$156
50$1,000$1,240$103
$500$1,466$122
$250$1,702$142
60$1,000$1,218$102
$500$1,440$120
$250$1,674$140

Average car insurance rates in the chart range from $1,218 per year for a high deductible policy for a 60-year-old driver to $3,724 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 $102 to $310.

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 $4,058 per year for a 19-year-old female driver up to $5,770 per year for a 16-year-old male driver.

For 17-year-old drivers, average car insurance rates in West Virginia will cost $4,796 to $5,396 per year, while 18-year-olds will range from $4,376 to $5,040 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.

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Chart Data Details: Average West Virginia car insurance cost is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all West Virginia Zip Codes.Data last updated on August 12, 2023
West Virginia Car Insurance Rates for Popular Vehicles
West Virginia Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$1,232$103
Subaru Forester$1,360$113
Honda CR-V$1,366$114
Ford Ranger$1,428$119
Toyota Tacoma$1,472$123
Ford Escape$1,476$123
Nissan Rogue$1,482$124
Toyota RAV4$1,492$124
Nissan Sentra$1,494$125
Toyota Corolla$1,512$126
Toyota Camry$1,530$128
Chevrolet Traverse$1,538$128
Honda Civic$1,578$132
Honda Accord$1,628$136
Ford F150$1,638$137
Hyundai Santa Fe$1,652$138
GMC Sierra$1,756$146
Ram Truck$1,760$147
Chevrolet Silverado$1,764$147
Jeep Wrangler$1,786$149

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 28.5% more than Virginia, 3.9% less than Maryland, 23.9% more than Ohio, and 17.9% 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.

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West Virginia Car Insurance Cost Compared to Southeast Region
Average Car Insurance Cost in West Virginia Compared to Southeast Region
Southeast Region States Average Insurance Cost Annual Difference
North Carolina$1,142-$470
Virginia$1,210-$402
South Carolina$1,518-$94
West Virginia$1,612--
Alabama$1,628$16
Tennessee$1,718$106
Mississippi$1,760$148
Georgia$1,840$228
Arkansas$1,886$274
Kentucky$1,928$316
Louisiana$2,134$522
Florida$2,226$614

When compared to states outside the Southeast region, the average cost of auto insurance in West Virginia is 2.7% cheaper than Arizona, 25.5% cheaper than New York, 29.6% cheaper than California, 3.9% cheaper than Texas, and 4.4% 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average West Virginia car insurance cost by segment is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all West Virginia Zip Codes.Data last updated on August 12, 2023
West Virginia Car Insurance Rates by Automotive Segment
West Virginia Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,466$122
Midsize Pickup$1,522$127
Midsize SUV$1,572$131
Minivan$1,576$131
Compact Car$1,604$134
Midsize Car$1,644$137
Compact Luxury SUV$1,744$145
Half-ton Pickup$1,748$146
Large SUV$1,762$147
Compact Luxury Car$1,772$148
Heavy Duty Pickup$1,854$155
Large Car$1,872$156
Midsize Luxury SUV$1,872$156
Midsize Luxury Car$2,048$171
Sports Car$2,202$184
Large Luxury SUV$2,370$198
Large Luxury Car$2,484$207

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 Chevrolet Trailblazer at $1,220 per year, Honda Passport at $1,252 per year, Subaru Impreza at $1,334 per year, and Ford Maverick at $1,336 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 Subaru Legacy at $1,484 per year, the Chrysler 300 at $1,570 per year, the Chevrolet Tahoe at $1,510 per year, and the Nissan Titan at $1,594 per year.

For luxury cars, the cheapest car insurance rates for compact, midsize, and full-size models are on the Acura Integra at $1,448 per year, the Cadillac CT5 at $1,732 per year, and the Audi A5 at $1,806 per year.

Compact, midsize, and large luxury SUVs with the cheapest insurance rates include the Acura RDX at $1,344 per year, the Lexus RX 350 at $1,442 per year, and the Volvo XC90 at $1,662 per year.

The table below takes all 2023 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.

Top 50 Cheapest Vehicles to Insure in West Virginia
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,220$102
2Subaru Crosstrek$1,232$103
3Nissan Kicks$1,236$103
4Honda Passport$1,252$104
5Nissan Rogue Sport$1,258$105
6Mazda CX-5$1,266$106
7Buick Encore$1,284$107
8Buick Envision$1,288$107
9Kia Seltos$1,306$109
10Subaru Ascent$1,310$109
11Hyundai Venue$1,314$110
12Subaru Impreza$1,334$111
13Ford Maverick$1,336$111
14Honda HR-V$1,338$112
15Chevrolet Colorado$1,340$112
16Acura RDX$1,344$112
17Hyundai Kona$1,352$113
18Subaru Forester$1,360$113
19Ford Edge$1,366$114
20Honda CR-V$1,366$114
21Mazda CX-30$1,368$114
22Ford Explorer$1,372$114
23Volkswagen Atlas$1,376$115
24Chevrolet Trax$1,382$115
25Nissan Murano$1,384$115
26Subaru Outback$1,386$116
27Nissan Frontier$1,392$116
28Volkswagen Tiguan$1,400$117
29Ford Bronco Sport$1,402$117
30Fiat 500X$1,426$119
31Ford Ranger$1,428$119
32GMC Terrain$1,432$119
33Kia Soul$1,432$119
34Mitsubishi Eclipse Cross$1,438$120
35Volkswagen Atlas Cross Sport$1,440$120
36Lexus RX 350$1,442$120
37Acura Integra$1,448$121
38Chevrolet Equinox$1,448$121
39Cadillac XT4$1,454$121
40Toyota Corolla Cross$1,454$121
41Volkswagen Taos$1,458$122
42GMC Canyon$1,462$122
43Toyota Venza$1,468$122
44Honda Odyssey$1,470$123
45Mazda CX-50$1,470$123
46Hyundai Tucson$1,472$123
47Toyota Tacoma$1,472$123
48Volkswagen Jetta$1,472$123
49Ford Escape$1,476$123
50Kia Sorento$1,478$123

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in West Virginia.Data last updated on August 12, 2023
    Top 50 Cheapest Vehicles to Insure in West Virginia

    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 insuranceSubaru Impreza at $1,334 per year or $111 per month
    • Cheapest compact SUV insuranceChevrolet Trailblazer at $1,220 per year or $102 per month
    • Cheapest midsize car insuranceSubaru Legacy at $1,484 per year or $124 per month
    • Cheapest midsize SUV insuranceHonda Passport at $1,252 per year or $104 per month
    • Cheapest full-size car insuranceChrysler 300 at $1,570 per year or $131 per month
    • Cheapest full-size SUV insuranceChevrolet Tahoe at $1,510 per year or $126 per month
    • Cheapest midsize pickup insuranceFord Maverick at $1,336 per year or $111 per month
    • Cheapest full-size pickup insuranceNissan Titan at $1,594 per year or $133 per month
    • Cheapest heavy duty pickup insuranceGMC Sierra 2500 HD at $1,648 per year or $137 per month
    • Cheapest minivan insuranceHonda Odyssey at $1,470 per year or $123 per month
    • Cheapest sports car insuranceMazda MX-5 Miata at $1,490 per year or $124 per month
    • Cheapest compact luxury car insuranceAcura Integra at $1,448 per year or $121 per month
    • Cheapest compact luxury SUV insuranceAcura RDX at $1,344 per year or $112 per month
    • Cheapest midsize luxury car insuranceCadillac CT5 at $1,732 per year or $144 per month
    • Cheapest midsize luxury SUV insuranceLexus RX 350 at $1,442 per year or $120 per month
    • Cheapest full-size luxury car insuranceAudi A5 at $1,806 per year or $151 per month
    • Cheapest full-size luxury SUV insuranceVolvo XC90 at $1,662 per year or $139 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.