West Virginia Car Insurance Cost for 2021

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 $1,346 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.

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Chart Data Details: Chart shows average West Virginia car insurance rates for 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all West Virginia zip codes.
Average Car Insurance Cost in West Virginia
Average Car Insurance Cost in West Virginia
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,270$189
$500$2,676$223
$250$3,104$259
30$1,000$1,190$99
$500$1,418$118
$250$1,656$138
40$1,000$1,138$95
$500$1,346$112
$250$1,564$130
50$1,000$1,036$86
$500$1,226$102
$250$1,420$118
60$1,000$1,018$85
$500$1,204$100
$250$1,394$116

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.

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Chart Data Details: Average West Virginia car insurance cost is based on 2021 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.
West Virginia Car Insurance Rates for Popular Vehicles
West Virginia Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Subaru Forester$998$83
Honda CR-V$1,012$84
Subaru Crosstrek$1,098$92
Toyota Tacoma$1,134$95
Ford Escape$1,148$96
Toyota Corolla$1,168$97
Nissan Rogue$1,212$101
Ford Ranger$1,246$104
Honda Civic$1,264$105
Ford F150$1,282$107
Honda Accord$1,296$108
Toyota RAV4$1,296$108
GMC Sierra$1,318$110
Nissan Sentra$1,332$111
Toyota Camry$1,348$112
Chevrolet Traverse$1,382$115
Jeep Wrangler$1,390$116
Chevrolet Silverado$1,404$117
Hyundai Santa Fe$1,404$117
Ram Truck$1,466$122

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.

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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
Virginia$974-$372
North Carolina$1,032-$314
Tennessee$1,254-$92
Alabama$1,272-$74
West Virginia$1,346--
Mississippi$1,352$6
South Carolina$1,406$60
Arkansas$1,454$108
Georgia$1,566$220
Kentucky$1,716$370
Florida$2,046$700
Louisiana$2,244$898

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average West Virginia car insurance cost by segment is based on 2021 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.
West Virginia Car Insurance Rates by Automotive Segment
West Virginia Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Small SUV$1,212$101
Midsize Truck$1,224$102
Large Van$1,228$102
Midsize Minivan$1,250$104
Midsize SUV$1,310$109
Midsize Van$1,322$110
Small Car$1,350$113
Large Truck$1,362$114
Midsize Car$1,376$115
Large SUV$1,394$116
Small Luxury SUV$1,416$118
Large Car$1,464$122
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
Sports Car$1,964$164
Large Luxury Car$2,080$173
Exotic Car$2,766$231

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.

Top 50 Cheapest Vehicles to Insure in West Virginia
Rank Make/Model Annual Cost Monthly Cost
1Subaru Forester$998$83
2Honda CR-V$1,012$84
3Ram Promaster City$1,054$88
4Mazda CX-3$1,060$88
5Toyota C-HR$1,066$89
6Kia Sportage$1,068$89
7Ford Edge$1,070$89
8Volkswagen Golf$1,072$89
9Mazda CX-5$1,082$90
10Subaru Crosstrek$1,098$92
11Chevrolet Spark$1,108$92
12Volvo XC40$1,108$92
13Hyundai Venue$1,120$93
14Volkswagen Atlas$1,126$94
15Hyundai Kona$1,132$94
16Kia Soul$1,132$94
17Subaru Impreza$1,132$94
18Kia Telluride$1,134$95
19Toyota Tacoma$1,134$95
20Chevrolet Blazer$1,138$95
21Kia Sedona$1,140$95
22Jeep Compass$1,142$95
23Subaru Outback$1,142$95
24Kia Rio5$1,144$95
25Chevrolet Colorado$1,146$96
26Honda Passport$1,146$96
27Mazda CX-30$1,146$96
28Mitsubishi Eclipse Cross$1,146$96
29Nissan Kicks$1,146$96
30Subaru Ascent$1,146$96
31Ford Escape$1,148$96
32Hyundai Tucson$1,152$96
33Acura RDX$1,160$97
34Volkswagen Tiguan$1,160$97
35Honda Pilot$1,162$97
36Nissan Frontier$1,162$97
37Ford Ecosport$1,168$97
38Toyota Corolla$1,168$97
39Buick Envision$1,174$98
40Kia Seltos$1,180$98
41Nissan Rogue Sport$1,188$99
42Chevrolet Trailblazer$1,194$100
43Chevrolet Trax$1,194$100
44Cadillac XT4$1,198$100
45Buick Encore$1,206$101
46Chevrolet Express$1,208$101
47Jeep Renegade$1,212$101
48Nissan Rogue$1,212$101
49Chevrolet Equinox$1,218$102
50Nissan Murano$1,218$102

    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.
    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 insuranceVolkswagen Golf at $1,072 per year or $89 per month
    • Cheapest compact SUV insuranceSubaru Forester at $998 per year or $83 per month
    • Cheapest midsize car insuranceMazda 6 at $1,250 per year or $104 per month
    • Cheapest midsize SUV insuranceFord Edge at $1,070 per year or $89 per month
    • Cheapest full-size car insuranceKia Cadenza at $1,368 per year or $114 per month
    • Cheapest full-size SUV insuranceToyota Sequoia at $1,330 per year or $111 per month
    • Cheapest midsize pickup insuranceToyota Tacoma at $1,134 per year or $95 per month
    • Cheapest full-size pickup insuranceFord F150 at $1,282 per year or $107 per month
    • Cheapest heavy duty pickup insuranceFord F350 Super Duty at $1,452 per year or $121 per month
    • Cheapest minivan insuranceKia Sedona at $1,140 per year or $95 per month
    • Cheapest sports car insuranceMazda Miata at $1,232 per year or $103 per month
    • Cheapest compact luxury car insuranceMercedes-Benz A220 at $1,318 per year or $110 per month
    • Cheapest compact luxury SUV insuranceVolvo XC40 at $1,108 per year or $92 per month
    • Cheapest midsize luxury car insuranceAcura ILX at $1,258 per year or $105 per month
    • Cheapest midsize luxury SUV insuranceVolvo V60 at $1,272 per year or $106 per month
    • Cheapest full-size luxury car insuranceVolvo S90 at $1,468 per year or $122 per month
    • Cheapest full-size luxury SUV insuranceVolvo 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.