- West Virginia Liability Insurance Explained
- Cost for Liability only in West Virginia (by city)
- Cheapest West Virginia Liability Insurance (by company)
- State required coverage limits for cheap West Virginia car insurance
- Should I upgrade to full coverage in West Virginia (by city)
- Who has the lowest liability price in West Virginia (by city)
- SR22 Insurance Rates (by company)
- Non-Owners Insurance Average Rates
- Cheap West Virginia car insurance for good credit?
- rates for good credit For west virginia liability insurance
- Q1: How can I find cheap car insurance in West Virginia?
- Q2: What factors affect the cost of car insurance in West Virginia?
- Q3: Are there discounts available for West Virginia car insurance policies?
- INSURANCE SERVICES WE OFFER
By Treasure Coleman | CSR Learnandserve.org | Powered by A Plus 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)
| City | Average 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 |
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.
| Carrier | Average 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 |
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:
| City | Average 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 |
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)
| City | Price |
|---|---|
| Teays Valley | Dairyland* |
| Pleasant Valley | Liberty Mutual |
| Huntington | Progressive |
| Beckley | Bristol West |
| Inwood and Blennerhassett | The General |
| Sissonville | Farmers |
| Grafton | Progressive |
| Buckhannon | National General |
| Brookhaven | Progressive |
| Williamstown | National General |
| Point Pleasant | Progressive |
| Pea Ridge | Farmers |
| Welch | Farmers |
| Clarksburg | Liberty Mutual |
| Kingwood | The General |
| Ranson | Liberty Mutual |
| Princeton | The General |
| White Sulphur Springs | Progressive |
| Lewisburg | Liberty Mutual |
| Westover | Progressive |
| Bethlehem | Progressive |
| Shannondale | Farmers |
| Milton | Progressive |
| Keyser | Geico |
| Vienna | Farmers |
| Charleston | Bristol West |
| Shinnston | Farmers |
| Ripley | Progressive |
| Weirton | Progressive |
| Crab Orchard | Progressive |
| Star City | The General |
| Ravenswood | Liberty Mutual |
| Paden City | Geico |
| Shady Spring and Philippi | The General |
| Belington | Dairyland* |
| Morgantown | Farmers |
| Craigsville | Geico |
| Wheeling | Dairyland* |
| Moundsville | The General |
| Cross Lanes | Dairyland* |
| St. Albans | Dairyland* |
| Charles Town | The General |
| Wellsburg | Progressive |
| Moorefield | Geico |
| Nitro | Dairyland* |
| Culloden | Geico |
| Elkins | Dairyland* |
| Weston | Progressive |
| Cheat Lake | Liberty Mutual |
| Follansbee | Liberty Mutual |
| Chester | National General |
| South Charleston | Geico |
| Kenova | Geico |
| Summersville | The General |
| Fairmont | Progressive |
| Pinch | Progressive |
| New Martinsville | Progressive |
| Granville | Progressive |
| Martinsburg | The General |
| Richwood | Progressive |
| Harrisville | Progressive |
| Dunbar | Progressive |
| Madison | Geico |
| Petersburg | Progressive |
| Bridgeport | The General |
| Bluewell | Progressive |
| Hooverson Heights | Farmers |
| Williamson | Progressive |
| Fayetteville | Farmers |
| Hurricane | Progressive |
| Bluefield | Geico |
| Barboursville | National General |
| Parkersburg | Progressive |
| Oak Hill | Liberty Mutual |
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.
| Carrier | Average Cost |
|---|---|
| Dairyland | $86 |
| National General | $96 |
| Mendota Ins. Company | $102 |
| Progressive Insurance | $103 |
| The General | $110 |
Non-Owners Insurance Average Rates
| Carrier | Average Cost |
|---|---|
| Dairyland | $65 |
| Progressive Insurance | $81 |
| The General | $115 |
| Mendota Ins. Company | $137 |
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
| Carrier | Average Cost |
|---|---|
| National General | $131 |
| Dairyland | $143 |
| Acceptance RTR | $147 |
| The General | $153 |
| Progressive Insurance | $154 |
| AssuranceAmerica | $155 |
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.
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| 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 |
Last Updated on by Marlon Moss