West Virginia Car Insurance Calculator

West Virginia boasts 79,144 miles of roads just waiting to be driven upon. Before hitting the pavement though, you’ll want to ensure your vehicle is covered – the average annual car insurance premium in West Virginia stands at approximately $1,4998 which is nearly 2% less than its national counterpart.

West Virginia requires drivers to carry at least $25,000 of bodily injury liability coverage per person and $50k total in accidents, along with uninsured/underinsured motorist coverage. Unfortunately, these minimum requirements may not cover damages from major collisions; to fully protect yourself it’s wise to consider additional coverages such as comprehensive and collision policies – though their additional cost should be taken into consideration before making your decision.

West Virginia car insurance rates depend on many variables, including your age, driving record, credit score and car model. Some of these aspects can be easily controlled while others require more effort to alter; for instance, your costs will differ based on which safety features your model has and also which coverage level you select; state minimum liability-only policies tend to have the cheapest premiums while full coverage policies with 100/300/100 limits and a $500 deductible are generally the more costly policies in West Virginia.

Prior to making any policy decisions, it’s essential that you shop around and compare quotes. Bankrate’s free auto insurance calculator can help give you an estimate of your rates; don’t forget potential discounts such as bundling your car and home policies or being an exceptional driver as this could save money.

West Virginia follows its own set of unique car insurance laws. If caught driving without insurance, penalties could range from paying a fine of up to $2,000 and having your license and registration suspended or revoked; and even up to 30 days imprisonment depending on the severity of your offense.

The Zebra’s auto insurance experts conducted extensive analysis on West Virginia auto insurance rates in order to help drivers better understand how rating factors affect costs. By using this data, drivers can more accurately calculate their rates and find companies offering affordable coverage options.

Below are rates based on coverages and driver profile specifications from each provider for a 30-year-old male with good credit who meets each provider’s underwriting criteria for comprehensive and collision coverage with a $500 deductible for comprehensive and collision. Unless otherwise specified, rates come from Allstate, Erie, Geico, Progressive and Westfield and cover ZIP code 30064; Insurify’s research team publishes new articles every week about all aspects related to cars and drivers alike.