Cheap West Virginia Car Insurance

We are here to answer all your questions regarding West Virginia Liability Insurance!

West Virginia Liability Insurance Explained

When shopping around looking for liability insurance it is great to keep in mind the liability limits to drive legally in the State of West Virginia.

Liability insurance: If you are at fault in an accident. Bodily injury covers medical bills, lost wages from being out of work. Property damage is responsible for vehicle and property damage, cleanup costs, and court costs. Do remember that liability insurance will only pay up to the amounts set on the policy, any additional expenses afterwards will need to be paid out of pocket.

Medical Payments Coverage: covers medical payments for you and your passenger if you sustain injuries in the incident and could potentially help pay for any lost money with you being out of work because of your injuries.

Collision coverage: pays for the damages that your car sustains in the accident especially if you are at fault in the incident. It also covers you if you crash into objects such as trees, a wall, or a house.

Comprehensive coverage: pays for repairs or replacements that your car undergoes that aren’t related to a collision which includes hail damage, an object hitting your vehicle, flood damage, and vandalism. This coverage is also good for broken glass on vehicles or stolen vehicles

Cost for Liability only in West Virginia (by city)

CityAverage Cost
Chester$91.00
Kingwood$90.00
Fairmont$110.00
Shinnston$90.00
Star City$91.00
Bridgeport$109.00
White Sulphur Springs$109.00
Bethlehem$98.00
Dunbar$86.00
Brookhaven$92.00
Richwood$88.00
Vienna$98.00
Clarksburg$87.00
Charleston$106.00
Petersburg$86.00
Shady Spring and Philippi$101.00
Hurricane$93.00
Parkersburg$101.00
Beckley$106.00
Ravenswood$89.00
Weirton$86.00
Bluefield$104.00
Pinch$86.00
Pleasant Valley$93.00
Belington$90.00
Follansbee$110.00
Wheeling$104.00
Ranson$108.00
Craigsville$98.00
Buckhannon$105.00
Morgantown$110.00
Weston$97.00
Lewisburg$109.00
Williamson$86.00
Martinsburg$88.00
Cheat Lake$96.00
Milton$91.00
Williamstown$105.00
Hinton and Winfield$99.00
Pea Ridge$95.00
Harrisville$99.00
Grafton$110.00
Princeton$98.00
Nitro$92.00
Charles Town$86.00
New Martinsville$97.00
Kenova$99.00
Sissonville$100.00
Bluewell$86.00
Cross Lanes$109.00
Madison$102.00
Keyser$90.00
Shannondale$109.00
Moorefield$93.00
Fayetteville$88.00
Moundsville$109.00
St. Albans$104.00
Teays Valley$95.00
Welch$101.00
Point Pleasant$97.00
Crab Orchard$99.00
Elkins$99.00
Hooverson Heights$102.00
Huntington$108.00
Barboursville$86.00
Summersville$95.00
Oak Hill$101.00
Inwood and Blennerhassett$100.00
Cheap West Virginia Car Insurance

Cheapest West Virginia Liability Insurance (by company)

In the chart below, we have listed some insurance carriers and their average cost for cheap West Virginia car insurance.

CarrierAverage Cost
The General$82
Mendota Ins. Company$85
Progressive Insurance$92
Geico$100
AssuranceAmerica$105
National General$106
Acceptance RTR$107
Dairyland$107
Bristol West$112
USAA$124
West Virginia Liability Insurance

Keep in mind that these are estimated costs based on the average person. Each persons liability premium with differ depending on many factors.

Factors can include but are not limited to: location, age, gender, driving history, and vehicle make/model. Another way the cost can change is depending on if you apply additional coverages to the policy, increase liability limits, or if you are eligible for discounts.

State required coverage limits for cheap West Virginia car insurance

When looking into liability insurance it is important to remember what your state liability limits are in your state and what each limit exactly covers.

In West Virginia, the limits are 25,000 in bodily injury coverage per person, 50,000 in bodily injury per accident, and 25,000 property damage per accident.

Should I upgrade to full coverage in West Virginia (by city)

Below is a chart for cheap West Virginia car insurance with full coverage included:

CityAverage Cost
Follansbee$173
Harrisville$172
Nitro$170
Summersville$162
Bluefield$175
Inwood and Blennerhassett$169
Hinton and Winfield$149
Oak Hill$167
Martinsburg$179
Weston$181
Cross Lanes$154
Craigsville$169
Shady Spring and Philippi$175
Pleasant Valley$166
Princeton$163
Fairmont$148
Ripley$163
Hurricane$170
Morgantown$161
Elkins$158
Beckley$172
Clarksburg$152
Hooverson Heights$158
Wellsburg$173
Sissonville$161
Keyser$163
Charles Town$157
Shannondale$162
Belington$152
Kingwood$154
Paden City$172
Crab Orchard$182
Moorefield$177
Welch$169
Bethlehem$181
Milton$150
South Charleston$176
New Martinsville$154
Chester$163
Bluewell$154
Brookhaven$155
Petersburg$148
Granville$175
Bridgeport$178
Ravenswood$152
Fayetteville$166
White Sulphur Springs$164
Moundsville$179
Madison$171
Williamstown$176
Point Pleasant$168
St. Albans$177
Barboursville$164
Cheat Lake$163
Pinch$173
Huntington$162
Parkersburg$167
Cheap West Virginia Car Insurance

SR22 Insurance and West Virginia Liability Insurance

When it comes to getting insurance with frequent violations, a record with DUI, being involved in an at-fault accident, or being seen driving with a revoked or suspended license it can be quite difficult trying to find an insurance company that would want to insure a client with a high-risk record.

However, don’t lose all hope there are ways to get insurance even with such a record by obtaining an SR22.

An SR22 is not an actual separate policy that you get with your insurance company but rather a form that you attach to your insurance to show that you have enough insurance.

This SR22 is attached to a liability insurance policy to cover the minimum requirements such as bodily injury and property damage however this will not cover any injuries that you sustain on your body or on your vehicle.

When you are in such situations the DMV will typically suspend your license until you get an SR22 on your insurance policy so it’s very important to do so if you’re wanting to keep your license.

 One of the most popular forms is non-owners insurance which is responsible for keeping drivers insured who do not own a vehicle and typically drive another person’s car or use a rented car.

The only downside of the non-owners form is that not all insurance companies offer this coverage so it can be very hard to find a carrier to insure you since you are considered high-risk.

Who has the lowest liability price in West Virginia (by city)

CityPrice
Teays ValleyDairyland*
Pleasant ValleyLiberty Mutual
HuntingtonProgressive
BeckleyBristol West
Inwood and BlennerhassettThe General
SissonvilleFarmers
GraftonProgressive
BuckhannonNational General
BrookhavenProgressive
WilliamstownNational General
Point PleasantProgressive
Pea RidgeFarmers
WelchFarmers
ClarksburgLiberty Mutual
KingwoodThe General
RansonLiberty Mutual
PrincetonThe General
White Sulphur SpringsProgressive
LewisburgLiberty Mutual
WestoverProgressive
BethlehemProgressive
ShannondaleFarmers
MiltonProgressive
KeyserGeico
ViennaFarmers
CharlestonBristol West
ShinnstonFarmers
RipleyProgressive
WeirtonProgressive
Crab OrchardProgressive
Star CityThe General
RavenswoodLiberty Mutual
Paden CityGeico
Shady Spring and PhilippiThe General
BelingtonDairyland*
MorgantownFarmers
CraigsvilleGeico
WheelingDairyland*
MoundsvilleThe General
Cross LanesDairyland*
St. AlbansDairyland*
Charles TownThe General
WellsburgProgressive
MoorefieldGeico
NitroDairyland*
CullodenGeico
ElkinsDairyland*
WestonProgressive
Cheat LakeLiberty Mutual
FollansbeeLiberty Mutual
ChesterNational General
South CharlestonGeico
KenovaGeico
SummersvilleThe General
FairmontProgressive
PinchProgressive
New MartinsvilleProgressive
GranvilleProgressive
MartinsburgThe General
RichwoodProgressive
HarrisvilleProgressive
DunbarProgressive
MadisonGeico
PetersburgProgressive
BridgeportThe General
BluewellProgressive
Hooverson HeightsFarmers
WilliamsonProgressive
FayettevilleFarmers
HurricaneProgressive
BluefieldGeico
BarboursvilleNational General
ParkersburgProgressive
Oak HillLiberty Mutual
Cheap West Virginia Car Insurance

SR22 Insurance Rates (by company)

When filing for an SR22 in West Virginia, you may see an increase in your auto premium. This is not due to you filing the SR22, but rather, the violation you caused.

In fact, an SR22 filing fee with insurance carriers can range from being of no cost (free) up to a one-time filing fee of $25.

CarrierAverage Cost
Dairyland$86
National General$96
Mendota Ins. Company$102
Progressive Insurance$103
The General$110
Cheap West Virginia Car Insurance

Non-Owners Insurance Average Rates

CarrierAverage Cost
Dairyland$65
Progressive Insurance$81
The General$115
Mendota Ins. Company$137
Cheap West Virginia Car Insurance

Cheap West Virginia car insurance for good credit?

One of the most important key components to insurance is whether or not you have good credit. A credit score can definitely determine your premium for your insurance policy and can also benefit you by obtaining some discounts from that.

A credit score is a certain number representing a person’s reliability in paying back loans, the number of open accounts they have, repayment history, and the amount of debt one has.

When deciding on whether or not an insurance company wants to have you as a client or not it’s very important for the carrier to check your credit score because it can display how consistent the client is in paying back what is due.

When a client has bad credit it can raise their insurance premium tremendously and can potentially make their downpayment a lot higher since they are considered a high-risk driver. 

rates for good credit For west virginia liability insurance

CarrierAverage Cost
National General$131
Dairyland$143
Acceptance RTR$147
The General$153
Progressive Insurance$154
AssuranceAmerica$155
West Virginia Liability Insurance
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Q1: How can I find cheap car insurance in West Virginia?

To find affordable car insurance in West Virginia, contact A Plus Insurance. Our team shops multiple carriers to help you find the best rates. For personalized assistance and a free quote, call us at 1.888.445.2793.

Q2: What factors affect the cost of car insurance in West Virginia?

Several factors impact the cost of car insurance in West Virginia, including your driving history, the type of coverage you choose, your vehicle’s make and model, and your location. Our experts can guide you through these factors to find affordable coverage.

Q3: Are there discounts available for West Virginia car insurance policies?

Yes, we offer various discounts on car insurance policies in West Virginia. To explore available discounts and get a personalized quote, please call us at 1.888.445.2793 and speak with our knowledgeable team.

Q4: How much is car insurance in West Virginia per month?

The cost of car insurance in West Virginia per month varies depending on several factors, including your driving history, coverage options, and the type of vehicle you own. For an accurate quote and information on monthly premiums, please contact our team at 1.888.445.2793. We’ll provide you with personalized pricing details based on your specific situation.

Additional Helpful Links
Auto Quote Checklist
West Virginia SR22 Insurance
Motorcycle Insurance West Virginia
West Virginia Homeowners Insurance
Auto Insurance West Virginia
West Virginia DMV
Cheap West Virginia Car Insurance
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Last Updated on by Marlon Moss

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