- West Virginia car insurance cost averages $1,346 per year for full coverage, or around $112 on a monthly basis.
- West Virginia ranks #5 for cheapest car insurance cost in the Southeast and ranks #28 out of all 50 states.
- Drivers looking for the cheapest West Virginia car insurance should focus on small and midsize SUVs like the Subaru Forester, Honda CR-V, and Ford Edge.
How much does West Virginia car insurance cost?
The average cost of car insurance in West Virginia is $1,346 per year, which is 11.6% less than the U.S. overall average rate of $1,523 per year. Car insurance cost per month in West Virginia averages $112 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 2021 models.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
Average car insurance rates in the chart range from $1,018 per year for a high deductible policy for a 60-year-old driver to $3,104 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 $85 to $259.
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 $3,392 per year for a 19-year-old female driver up to $4,826 per year for a 16-year-old male driver.
For 17-year-old drivers, average car insurance rates in West Virginia will cost $4,012 to $4,510 per year, while 18-year-olds will range from $3,656 to $4,214 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.
|Make/Model||Annual Rate||Monthly Rate|
|Hyundai Santa Fe||$1,404||$117|
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 38.2% more than Virginia, 3.9% less than Maryland, 31.4% more than Ohio, and 21.6% less than Kentucky.
The chart below compares average West Virginia car insurance rates to all other states in the Southeast region.
|Southeast Region States||Average Insurance Cost||Annual Difference|
When compared to states outside the Southeast region, the average cost of auto insurance in West Virginia is 1.8% cheaper than Arizona, 20% cheaper than New York, 19.7% cheaper than California, 8.6% cheaper than Texas, and 0.3% more expensive than than Oregon.
West Virginia ranks 28th 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.
|Vehicle Segment||Annual Rate||Monthly Rate|
|Small Luxury SUV||$1,416||$118|
|Heavy Duty Truck||$1,514||$126|
|Midsize Luxury SUV||$1,516||$126|
|Small Luxury Car||$1,566||$131|
|Midsize Luxury Car||$1,782||$149|
|Large Luxury SUV||$1,816||$151|
|Large Luxury Car||$2,080||$173|
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 Forester at $998 per year, Ford Edge at $1,070 per year, Volkswagen Golf at $1,072 per year, and Toyota Tacoma at $1,134 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 Mazda 6 at $1,250 per year, Toyota Sequoia at $1,330 per year, the Ford F-150 at $1,282 per year, and Kia Cadenza at $1,368 per year.
For luxury cars, the cheapest car insurance rates for compact, midsize, and full-size models are on the Mercedes-Benz A220 at $1,318 per year, the Acura ILX at $1,258 per year, and the Volvo S90 at $1,468 per year. Compact, midsize, and large luxury SUVs with the cheapest insurance rates include the Volvo XC40 at $1,108 per year, the Volvo V60 at $1,272 per year, and the Volvo XC90 at $1,294 per year.
The table below takes all 2021 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.
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 – Volkswagen Golf at $1,072 per year or $89 per month
- Cheapest compact SUV insurance – Subaru Forester at $998 per year or $83 per month
- Cheapest midsize car insurance – Mazda 6 at $1,250 per year or $104 per month
- Cheapest midsize SUV insurance – Ford Edge at $1,070 per year or $89 per month
- Cheapest full-size car insurance – Kia Cadenza at $1,368 per year or $114 per month
- Cheapest full-size SUV insurance – Toyota Sequoia at $1,330 per year or $111 per month
- Cheapest midsize pickup insurance – Toyota Tacoma at $1,134 per year or $95 per month
- Cheapest full-size pickup insurance – Ford F150 at $1,282 per year or $107 per month
- Cheapest heavy duty pickup insurance – Ford F350 Super Duty at $1,452 per year or $121 per month
- Cheapest minivan insurance – Kia Sedona at $1,140 per year or $95 per month
- Cheapest sports car insurance – Mazda Miata at $1,232 per year or $103 per month
- Cheapest compact luxury car insurance – Mercedes-Benz A220 at $1,318 per year or $110 per month
- Cheapest compact luxury SUV insurance – Volvo XC40 at $1,108 per year or $92 per month
- Cheapest midsize luxury car insurance – Acura ILX at $1,258 per year or $105 per month
- Cheapest midsize luxury SUV insurance – Volvo V60 at $1,272 per year or $106 per month
- Cheapest full-size luxury car insurance – Volvo S90 at $1,468 per year or $122 per month
- Cheapest full-size luxury SUV insurance – Volvo XC90 at $1,294 per year or $108 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.