West Virginia Car Insurance Cost for 2022

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 $1,368 per year, which is 12.7% less than the U.S. overall average rate of $1,567 per year. Car insurance cost per month in West Virginia averages $114 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 2022 models.

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Chart Data Details: Chart shows average West Virginia car insurance rates for 2022 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 31, 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$2,308$192
$500$2,718$227
$250$3,150$263
30$1,000$1,212$101
$500$1,442$120
$250$1,682$140
40$1,000$1,156$96
$500$1,368$114
$250$1,586$132
50$1,000$1,058$88
$500$1,248$104
$250$1,446$121
60$1,000$1,040$87
$500$1,224$102
$250$1,420$118

Average car insurance rates in the chart range from $1,040 per year for a high deductible policy for a 60-year-old driver to $3,150 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 $87 to $263.

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 $3,440 per year for a 19-year-old female driver up to $4,904 per year for a 16-year-old male driver.

For 17-year-old drivers, average car insurance rates in West Virginia will cost $4,072 to $4,582 per year, while 18-year-olds will range from $3,710 to $4,278 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 2022 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 31, 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$1,100$92
Subaru Forester$1,188$99
Honda CR-V$1,200$100
Ford Ranger$1,218$102
Toyota Tacoma$1,272$106
Toyota RAV4$1,294$108
Ford F150$1,322$110
Nissan Sentra$1,336$111
Nissan Rogue$1,342$112
Toyota Camry$1,346$112
Toyota Corolla$1,346$112
Ford Escape$1,348$112
Honda Civic$1,356$113
GMC Sierra$1,396$116
Chevrolet Traverse$1,410$118
Honda Accord$1,430$119
Hyundai Santa Fe$1,430$119
Chevrolet Silverado$1,470$123
Ram Truck$1,564$130
Jeep Wrangler$1,570$131

Is car insurance expensive in West Virginia?

West Virginia ranks fifth in the U.S. Southeast region for cheapest car insurance quotes. When compared to surrounding states, West Virginia car insurance costs 39.3% more than Virginia, 0.4% less than Maryland, 54.1% more than Ohio, and 22.8% less than Kentucky.

The chart below compares average West Virginia car insurance rates to all other states in the Southeast region.

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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$966-$402
Virginia$982-$386
Tennessee$1,206-$162
Alabama$1,240-$128
West Virginia$1,368--
South Carolina$1,404$36
Mississippi$1,438$70
Georgia$1,472$104
Arkansas$1,630$262
Kentucky$1,772$404
Louisiana$2,206$838
Florida$2,228$860

When compared to states outside the Southeast region, the average cost of auto insurance in West Virginia is 0.9% cheaper than Arizona, 15.6% cheaper than New York, 21.6% cheaper than California, 4.7% cheaper than Texas, and 7.2% more expensive than than Oregon.

West Virginia ranks 25th out of all 50 U.S. states for car insurance affordability, so about half of the states will be cheaper and half will be more expensive.

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 2022 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 31, 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$1,280$107
Midsize Pickup$1,314$110
Minivan$1,380$115
Midsize SUV$1,386$116
Compact Car$1,410$118
Midsize Car$1,428$119
Half-ton Pickup$1,488$124
Compact Luxury SUV$1,542$129
Large SUV$1,544$129
Compact Luxury Car$1,554$130
Large Car$1,582$132
Heavy Duty Pickup$1,632$136
Midsize Luxury SUV$1,654$138
Midsize Luxury Car$1,812$151
Sports Car$1,932$161
Large Luxury SUV$2,068$172
Large Luxury Car$2,166$181

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 Mazda CX-5 at $1,042 per year, Honda Passport at $1,102 per year, Subaru Impreza at $1,190 per year, and Chevrolet Colorado at $1,128 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 $1,328 per year, the Toyota Avalon at $1,438 per year, the Chevrolet Tahoe at $1,376 per year, and the Ford F150 at $1,322 per year.

For luxury cars, the cheapest car insurance rates for compact, midsize, and full-size models are on the Mercedes-Benz A220 at $1,346 per year, the Acura ILX at $1,262 per year, and the Audi A5 at $1,610 per year.

Compact, midsize, and large luxury SUVs with the cheapest insurance rates include the Acura RDX at $1,174 per year, the Cadillac XT5 at $1,348 per year, and the Volvo XC90 at $1,482 per year.

The table below takes all 2022 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
1Mazda CX-5$1,042$87
2Nissan Kicks$1,068$89
3Chevrolet Trailblazer$1,076$90
4Subaru Crosstrek$1,100$92
5Honda Passport$1,102$92
6Toyota C-HR$1,126$94
7Chevrolet Colorado$1,128$94
8Buick Encore$1,130$94
9Nissan Rogue Sport$1,144$95
10Hyundai Venue$1,164$97
11Buick Envision$1,166$97
12Kia Seltos$1,168$97
13Acura RDX$1,174$98
14Ford Maverick$1,174$98
15Toyota Corolla Cross$1,176$98
16Subaru Ascent$1,178$98
17Hyundai Kona$1,184$99
18Mazda MX-5 Miata$1,188$99
19Subaru Forester$1,188$99
20Subaru Impreza$1,190$99
21Volkswagen Tiguan$1,190$99
22Chevrolet Spark$1,194$100
23Honda CR-V$1,200$100
24Cadillac XT4$1,204$100
25Mazda CX-30$1,212$101
26Ford Ranger$1,218$102
27Honda HR-V$1,230$103
28Ford Edge$1,236$103
29Ford Ecosport$1,242$104
30Chevrolet Trax$1,254$105
31Subaru Outback$1,258$105
32Acura ILX$1,262$105
33GMC Terrain$1,262$105
34Mitsubishi Eclipse Cross$1,266$106
35Nissan Murano$1,272$106
36Toyota Tacoma$1,272$106
37Hyundai Tucson$1,274$106
38Chevrolet Bolt$1,276$106
39Honda Odyssey$1,280$107
40Chevrolet Equinox$1,282$107
41Toyota Venza$1,282$107
42Volkswagen Taos$1,286$107
43Ford Explorer$1,288$107
44Fiat 500X$1,290$108
45Toyota RAV4$1,294$108
46Kia Sorento$1,296$108
47Kia Soul$1,296$108
48Nissan Frontier$1,306$109
49Hyundai Palisade$1,314$110
50Hyundai Santa Cruz$1,316$110

    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 31, 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 $1,190 per year or $99 per month
    • Cheapest compact SUV insuranceMazda CX-5 at $1,042 per year or $87 per month
    • Cheapest midsize car insuranceSubaru Legacy at $1,328 per year or $111 per month
    • Cheapest midsize SUV insuranceHonda Passport at $1,102 per year or $92 per month
    • Cheapest full-size car insuranceToyota Avalon at $1,438 per year or $120 per month
    • Cheapest full-size SUV insuranceChevrolet Tahoe at $1,376 per year or $115 per month
    • Cheapest midsize pickup insuranceChevrolet Colorado at $1,128 per year or $94 per month
    • Cheapest full-size pickup insuranceFord F150 at $1,322 per year or $110 per month
    • Cheapest heavy duty pickup insuranceFord F350 Super Duty at $1,486 per year or $124 per month
    • Cheapest minivan insuranceHonda Odyssey at $1,280 per year or $107 per month
    • Cheapest sports car insuranceMazda MX-5 Miata at $1,188 per year or $99 per month
    • Cheapest compact luxury car insuranceMercedes-Benz A220 at $1,346 per year or $112 per month
    • Cheapest compact luxury SUV insuranceAcura RDX at $1,174 per year or $98 per month
    • Cheapest midsize luxury car insuranceAcura ILX at $1,262 per year or $105 per month
    • Cheapest midsize luxury SUV insuranceCadillac XT5 at $1,348 per year or $112 per month
    • Cheapest full-size luxury car insuranceAudi A5 at $1,610 per year or $134 per month
    • Cheapest full-size luxury SUV insuranceVolvo XC90 at $1,482 per year or $124 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.