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 $1,572 per year, which is 6.7% less than the U.S. overall average rate of $1,685 per year. Car insurance cost per month in West Virginia averages $131 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 December 30, 2022
Average Car Insurance Cost in West Virginia
Average Car Insurance Cost in West Virginia
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,648$221
$500$3,130$261
$250$3,634$303
30$1,000$1,390$116
$500$1,658$138
$250$1,936$161
40$1,000$1,328$111
$500$1,572$131
$250$1,828$152
50$1,000$1,212$101
$500$1,432$119
$250$1,662$139
60$1,000$1,190$99
$500$1,406$117
$250$1,632$136

Average car insurance rates in the chart range from $1,190 per year for a high deductible policy for a 60-year-old driver to $3,634 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 $99 to $303.

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 $3,964 per year for a 19-year-old female driver up to $5,632 per year for a 16-year-old male driver.

For 17-year-old drivers, average car insurance rates in West Virginia will cost $4,680 to $5,268 per year, while 18-year-olds will range from $4,270 to $4,922 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 December 30, 2022
West Virginia Car Insurance Rates for Popular Vehicles
West Virginia Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$1,202$100
Subaru Forester$1,328$111
Honda CR-V$1,334$111
Ford Ranger$1,394$116
Toyota Tacoma$1,436$120
Ford Escape$1,440$120
Nissan Rogue$1,448$121
Toyota RAV4$1,456$121
Nissan Sentra$1,458$122
Toyota Corolla$1,474$123
Toyota Camry$1,494$125
Chevrolet Traverse$1,500$125
Honda Civic$1,538$128
Honda Accord$1,592$133
Ford F150$1,600$133
Hyundai Santa Fe$1,612$134
GMC Sierra$1,714$143
Chevrolet Silverado$1,720$143
Ram Truck$1,720$143
Jeep Wrangler$1,742$145

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 33.9% more than Virginia, 4% less than Maryland, 27.8% more than Ohio, and 16.7% 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$1,100-$472
Virginia$1,174-$398
South Carolina$1,480-$92
West Virginia$1,572--
Alabama$1,586$14
Tennessee$1,678$106
Mississippi$1,722$150
Georgia$1,802$230
Arkansas$1,846$274
Kentucky$1,888$316
Louisiana$2,100$528
Florida$2,196$624

When compared to states outside the Southeast region, the average cost of auto insurance in West Virginia is 2.8% cheaper than Arizona, 23% cheaper than New York, 26.3% cheaper than California, 4% cheaper than Texas, and 4.6% 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.

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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 December 30, 2022
West Virginia Car Insurance Rates by Automotive Segment
West Virginia Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,432$119
Midsize Pickup$1,484$124
Midsize SUV$1,536$128
Minivan$1,542$129
Compact Car$1,566$131
Midsize Car$1,606$134
Compact Luxury SUV$1,700$142
Half-ton Pickup$1,706$142
Large SUV$1,720$143
Compact Luxury Car$1,732$144
Heavy Duty Pickup$1,808$151
Large Car$1,828$152
Midsize Luxury SUV$1,828$152
Midsize Luxury Car$2,000$167
Sports Car$2,148$179
Large Luxury SUV$2,312$193
Large Luxury Car$2,428$202

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 $1,190 per year, Honda Passport at $1,222 per year, Subaru Impreza at $1,302 per year, and Ford Maverick at $1,306 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 $1,450 per year, the Chrysler 300 at $1,534 per year, the Chevrolet Tahoe at $1,474 per year, and the Nissan Titan at $1,554 per year.

For luxury cars, the cheapest car insurance rates for compact, midsize, and full-size models are on the Acura Integra at $1,412 per year, the Cadillac CT5 at $1,690 per year, and the Audi A5 at $1,766 per year.

Compact, midsize, and large luxury SUVs with the cheapest insurance rates include the Acura RDX at $1,312 per year, the Lexus RX 350 at $1,406 per year, and the Volvo XC90 at $1,622 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$1,190$99
2Subaru Crosstrek$1,202$100
3Nissan Kicks$1,206$101
4Honda Passport$1,222$102
5Nissan Rogue Sport$1,226$102
6Mazda CX-5$1,236$103
7Buick Encore$1,252$104
8Buick Envision$1,258$105
9Kia Seltos$1,274$106
10Subaru Ascent$1,278$107
11Hyundai Venue$1,282$107
12Subaru Impreza$1,302$109
13Ford Maverick$1,306$109
14Honda HR-V$1,306$109
15Chevrolet Colorado$1,308$109
16Acura RDX$1,312$109
17Hyundai Kona$1,320$110
18Subaru Forester$1,328$111
19Ford Edge$1,334$111
20Honda CR-V$1,334$111
21Mazda CX-30$1,338$112
22Ford Explorer$1,340$112
23Volkswagen Atlas$1,344$112
24Chevrolet Trax$1,350$113
25Nissan Murano$1,350$113
26Subaru Outback$1,354$113
27Nissan Frontier$1,358$113
28Volkswagen Tiguan$1,366$114
29Ford Bronco Sport$1,370$114
30Fiat 500X$1,394$116
31Ford Ranger$1,394$116
32GMC Terrain$1,398$117
33Kia Soul$1,400$117
34Mitsubishi Eclipse Cross$1,402$117
35Lexus RX 350$1,406$117
36Volkswagen Atlas Cross Sport$1,406$117
37Acura Integra$1,412$118
38Chevrolet Equinox$1,416$118
39Cadillac XT4$1,420$118
40Toyota Corolla Cross$1,420$118
41Volkswagen Taos$1,424$119
42GMC Canyon$1,428$119
43Toyota Venza$1,434$120
44Honda Odyssey$1,436$120
45Mazda CX-50$1,436$120
46Toyota Tacoma$1,436$120
47Volkswagen Jetta$1,436$120
48Hyundai Tucson$1,438$120
49Ford Escape$1,440$120
50Kia Sorento$1,444$120

    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 December 30, 2022
    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 $1,302 per year or $109 per month
    • Cheapest compact SUV insuranceChevrolet Trailblazer at $1,190 per year or $99 per month
    • Cheapest midsize car insuranceSubaru Legacy at $1,450 per year or $121 per month
    • Cheapest midsize SUV insuranceHonda Passport at $1,222 per year or $102 per month
    • Cheapest full-size car insuranceChrysler 300 at $1,534 per year or $128 per month
    • Cheapest full-size SUV insuranceChevrolet Tahoe at $1,474 per year or $123 per month
    • Cheapest midsize pickup insuranceFord Maverick at $1,306 per year or $109 per month
    • Cheapest full-size pickup insuranceNissan Titan at $1,554 per year or $130 per month
    • Cheapest heavy duty pickup insuranceGMC Sierra 2500 HD at $1,612 per year or $134 per month
    • Cheapest minivan insuranceHonda Odyssey at $1,436 per year or $120 per month
    • Cheapest sports car insuranceMazda MX-5 Miata at $1,454 per year or $121 per month
    • Cheapest compact luxury car insuranceAcura Integra at $1,412 per year or $118 per month
    • Cheapest compact luxury SUV insuranceAcura RDX at $1,312 per year or $109 per month
    • Cheapest midsize luxury car insuranceCadillac CT5 at $1,690 per year or $141 per month
    • Cheapest midsize luxury SUV insuranceLexus RX 350 at $1,406 per year or $117 per month
    • Cheapest full-size luxury car insuranceAudi A5 at $1,766 per year or $147 per month
    • Cheapest full-size luxury SUV insuranceVolvo XC90 at $1,622 per year or $135 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.