See West Virginia car insurance cost for both new and used cars by auto values, deductibles and credit scores. Also see what coverage you need and where you can cut costs without leaving yourself in trouble.
Car insurance in West Virginia often costs more than the national average. Drivers here face winding mountain highways, sudden weather changes, and higher repair risks that can increase claim costs. Once ready, see the best local and statewide car insurers.
West Virginia’s 25/50/25 Rule: What It Covers
West Virginia New Car Insurance Costs
West Virginia Used Car Insurance Costs
How Credit History Impact West Virginia Car Insurance Prices
Why West Virginia’s Minimums Can Leave You Paying the Difference
What Shapes West Virginia Rates
How West Virginia Drivers Can Bring Their Insurance Costs Down
Curious about car financing? See real West Virginia car loan rates shared by our community. Also find West Virginia best car loan lenders in your area (also community recommended).
West Virginia’s 25/50/25 Rule: What It Covers
West Virginia law requires drivers to carry liability coverage. This part of your policy pays for injuries and damage you cause to others in a crash.
- $25,000 for injuries to one person. This pays for medical bills if you hurt someone in a crash.
- $50,000 for injuries to more than one person in a single crash. This is the total amount your insurance will pay for all injured people combined.
- $25,000 for property damage. This pays to fix or replace what you damage, like another car, a fence, or a building.
West Virginia requires coverage for injuries caused by uninsured and underinsured drivers. This helps protect you if the other driver has little or no insurance.
MFP Tip: Mountain roads can increase the risk of serious crashes. Higher liability limits can help protect your finances.
West Virginia New Car Insurance Costs
Your new car insurane cost depends on the value of your car, how much coverage you choose, and your credit history. New cars often cost more to insure because repairs and replacement parts are more expensive.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $60K | Full | $202 | $235 | $257 | $414 |
| Standard | $170 | $198 | $215 | $348 | |
| Liability only | $104 | $120 | $131 | $212 | |
| $40K-$60K | Full | $171 | $199 | $217 | $351 |
| Standard | $142 | $166 | $181 | $292 | |
| Liability only | $89 | $103 | $112 | $181 | |
| $25K-$40K | Full | $150 | $174 | $189 | $306 |
| Standard | $124 | $144 | $157 | $254 | |
| Liability only | $79 | $91 | $100 | $161 | |
| Below $25K | Full | $131 | $153 | $166 | $268 |
| Standard | $108 | $125 | $137 | $221 | |
| Liability only | $69 | $81 | $88 | $142 |
West Virginia Used Car Insurance Costs
West Virginia’s used cars may cost less to insure, but dropping coverage for your own car can leave you paying out of pocket after a crash, a theft, or storm damage.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $40K | Full | $153 | $178 | $194 | $313 |
| Standard | $128 | $148 | $162 | $261 | |
| Liability only | $79 | $92 | $100 | $162 | |
| $15K-$40K | Full | $128 | $148 | $162 | $261 |
| Standard | $106 | $123 | $134 | $216 | |
| Liability only | $67 | $78 | $85 | $137 | |
| Below $15K | Full | $107 | $125 | $136 | $219 |
| Standard | $87 | $102 | $111 | $179 | |
| Liability only | $57 | $66 | $72 | $117 |
Most insurers group policies into three coverage levels:
- Full: Includes liability plus coverage for damage to your own car, even if you cause the crash or weather damages your vehicle.
- Standard: Higher liability limits than the state minimum, with or without coverage for your own car.
- Liability Only: Covers injuries and damage you cause to others, but not your own car.
How Credit History Impact West Virginia Car Insurance Prices
In West Virginia, insurers can use your credit history when setting your price. Drivers with strong credit often pay less, while drivers with below-fair credit usually pay much more for the same coverage.
In many cases, a driver with weak credit can pay 50 to 65 percent more than a driver with excellent credit, even if both have similar cars and clean driving records.
MFP Tip: If your credit improves, request a new quote before your renewal date. A better credit history can lead to a lower bill.
Find the Right Coverage
If you finance or lease a new car, your lender will require coverage that pays to repair or replace your car after a crash or storm. This protects their investment until the loan is paid off.
Gap insurance can help during the early years of a loan. If your car is totaled, it covers the difference between what your car is worth and what you still owe.
For used cars, the 10 percent test can guide your choice. If your yearly coverage cost is more than 10 percent of your car’s value, you may want to keep only liability and drop coverage for your own car.
Why West Virginia’s Minimums Can Leave You Paying the Difference
When You Damage Someone’s Property
Many vehicles on West Virginia roads cost more than $25,000 to repair. If your limit runs out, the rest of the bill can fall on you.
If You Injure Someone
Medical care and missed work can push costs past $25,000 for a single person. If more than one person is hurt, the $50,000 total limit has to cover everyone.
When an Uninsured Driver Hits You
Coverage for injuries and damage to your own car can help when the other driver has little or no insurance.
What Shapes West Virginia Rates
West Virginia uses an at-fault system. The driver who causes the crash is responsible for injuries and damage, which makes strong liability limits more valuable.
Snow, fog, and heavy rain can damage vehicles and lead to claims across the state.
Traffic around Charleston, Morgantown, and major routes like I-64 and I-79 raises the chance of minor crashes and repair costs.
How West Virginia Drivers Can Bring Their Insurance Costs Down
- Bundle policies. Putting home or renters insurance with the same company can lead to lower prices.
- Take a defensive driving course. Some insurers offer discounts for approved classes.
- Use safe-driver tracking programs. These track how you drive and can lower your rate if you avoid hard braking and late-night trips.
- Compare quotes. Prices can vary widely between companies for the same driver and car.
- Raise your deductible. This is the amount you pay out of pocket before insurance kicks in.
MFP Tip: If you drive mostly on rural or mountain roads, ask about low-mileage discounts. Some insurers offer lower rates for drivers who spend less time on the road.
What to Do After Buying a Car in West Virginia
You need insurance in place before you can register your vehicle. Dealers often submit paperwork for new cars, while private sales leave the steps to you.
Registration and title work go through the West Virginia Division of Motor Vehicles. New residents and in-state buyers have a short window to complete the process.
Review your coverage once a year. As your car’s value drops, you may be able to adjust your policy and lower your costs.
West Virginia Best Car Insurance
See West Virginia best local insurers by metro areas based on community recommendations
Beckley, Charleston, Clarksburg, Huntington, Martinsburg, Morgantown, Parkersburg, Weirton, Wheeling, Vienna
Beckley Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Beckley’s area are Mountaineer Insurance Services, Erie Insurance and State Farm.
Mountaineer Insurance Services (88% Recommend)
- Mountaineer Insurance Services scores 4.6 Easy Application, 4.6 Terms & Premium Satisfaction and 4.8 Support & Guidance, the highest Support & Guidance among Beckley’s top 3.
- Drivers can work with a local agency that helps compare companies and explains coverage before they choose a policy.
Erie Insurance (84% Recommend)
- Erie Insurance has 4.3 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, matching Mountaineer on Terms & Premium Satisfaction.
- Erie is a strong fit for drivers who want agent help and a good balance between price, coverage and service.
State Farm (81% Recommend)
- State Farm scores 4.5 Easy Application, 4.2 Terms & Premium Satisfaction and 4.3 Support & Guidance, with the easiest application score among Beckley’s top 3.
- State Farm works well for drivers who want a familiar company and a local office for quote and policy help.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Mountaineer Insurance Services | Agency | 4.6 | 4.6 | 4.8 | 88% |
| Erie Insurance | Insurer | 4.3 | 4.6 | 4.6 | 84% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 81% |
| Nationwide | Insurer | 4.3 | 4.2 | 4.2 | 79% |
| Progressive | Insurer | 4.7 | 4.2 | 4.1 | 78% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 77% |
| Allstate | Insurer | 4.3 | 4.1 | 4.2 | 76% |
| Travelers | Insurer | 4.2 | 4.2 | 4.1 | 75% |
| Liberty Mutual | Insurer | 4.3 | 3.9 | 4.0 | 73% |
| National General | Insurer | 4.2 | 3.9 | 4.0 | 72% |
Charleston Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Charleston’s area are City Insurance Professionals, Erie Insurance and State Farm.
City Insurance Professionals (88% Recommend)
- City Insurance Professionals scores 4.6 Easy Application, 4.6 Terms & Premium Satisfaction and 4.9 Support & Guidance, the highest Support & Guidance among Charleston’s top 3.
- Drivers can get help comparing companies and asking coverage questions before picking a policy.
Erie Insurance (85% Recommend)
- Erie Insurance has 4.3 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, matching City Insurance Professionals on Terms & Premium Satisfaction.
- Erie is a good fit for drivers who want an agent involved and care about value for the coverage.
State Farm (81% Recommend)
- State Farm scores 4.5 Easy Application, 4.2 Terms & Premium Satisfaction and 4.3 Support & Guidance, with the strongest Easy Application among Charleston’s top 3.
- State Farm works well for drivers who want a recognizable company and a nearby office they can call.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| City Insurance Professionals | Agency | 4.6 | 4.6 | 4.9 | 88% |
| Erie Insurance | Insurer | 4.3 | 4.6 | 4.6 | 85% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 81% |
| Nationwide | Insurer | 4.3 | 4.2 | 4.2 | 79% |
| Progressive | Insurer | 4.7 | 4.2 | 4.1 | 78% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 77% |
| Allstate | Insurer | 4.3 | 4.1 | 4.2 | 76% |
| Travelers | Insurer | 4.2 | 4.2 | 4.1 | 75% |
| Liberty Mutual | Insurer | 4.3 | 3.9 | 4.0 | 73% |
| National General | Insurer | 4.2 | 3.9 | 4.0 | 72% |
Clarksburg Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Clarksburg’s area are Loudin Insurance Agency, Erie Insurance and State Farm.
Loudin Insurance Agency (87% Recommend)
- Loudin Insurance Agency scores 4.6 Easy Application, 4.5 Terms & Premium Satisfaction and 4.8 Support & Guidance, the highest Support & Guidance among Clarksburg’s top 3.
- Drivers can use the agency to compare options and get help understanding which coverage is worth paying for.
Erie Insurance (84% Recommend)
- Erie Insurance has 4.3 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, the strongest Terms & Premium Satisfaction among the top 3.
- Erie works well for drivers who want agent help and a solid balance of price, coverage and service.
State Farm (80% Recommend)
- State Farm scores 4.5 Easy Application, 4.2 Terms & Premium Satisfaction and 4.3 Support & Guidance, with stronger Easy Application than Erie.
- State Farm is a practical choice for drivers who want a familiar insurer and local office support.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Loudin Insurance Agency | Agency | 4.6 | 4.5 | 4.8 | 87% |
| Erie Insurance | Insurer | 4.3 | 4.6 | 4.6 | 84% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 80% |
| Nationwide | Insurer | 4.3 | 4.2 | 4.2 | 79% |
| Progressive | Insurer | 4.7 | 4.2 | 4.1 | 78% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 77% |
| Allstate | Insurer | 4.3 | 4.1 | 4.2 | 76% |
| Travelers | Insurer | 4.2 | 4.2 | 4.1 | 75% |
Huntington Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Huntington’s area are Dyer Insurance Group, Erie Insurance and State Farm.
Dyer Insurance Group (88% Recommend)
- Dyer Insurance Group scores 4.6 Easy Application, 4.6 Terms & Premium Satisfaction and 4.9 Support & Guidance, the highest Support & Guidance among Huntington’s top 3.
- Drivers can work with a local agency that compares companies and explains coverage before they buy.
Erie Insurance (84% Recommend)
- Erie Insurance has 4.3 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, matching Dyer Insurance Group on Terms & Premium Satisfaction.
- Erie is a good fit for drivers who want an agent involved and care about value for the policy.
State Farm (81% Recommend)
- State Farm scores 4.5 Easy Application, 4.2 Terms & Premium Satisfaction and 4.3 Support & Guidance, with the easiest application score among Huntington’s top 3.
- State Farm works well for drivers who want a familiar company and a nearby agent for policy help.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Dyer Insurance Group | Agency | 4.6 | 4.6 | 4.9 | 88% |
| Erie Insurance | Insurer | 4.3 | 4.6 | 4.6 | 84% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 81% |
| Nationwide | Insurer | 4.3 | 4.2 | 4.2 | 79% |
| Progressive | Insurer | 4.7 | 4.2 | 4.1 | 78% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 77% |
| Allstate | Insurer | 4.3 | 4.1 | 4.2 | 76% |
| Travelers | Insurer | 4.2 | 4.2 | 4.1 | 75% |
Martinsburg Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Martinsburg’s area are The WR Berkley Insurance Agency, Erie Insurance and State Farm.
The WR Berkley Insurance Agency (87% Recommend)
- The WR Berkley Insurance Agency scores 4.6 Easy Application, 4.5 Terms & Premium Satisfaction and 4.8 Support & Guidance, the highest Support & Guidance among Martinsburg’s top 3.
- Drivers can get local help comparing companies and choosing coverage without sorting through every option alone.
Erie Insurance (84% Recommend)
- Erie Insurance has 4.3 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, the strongest Terms & Premium Satisfaction among the top 3.
- Erie works well for drivers who want agent help and a strong balance between coverage and price.
State Farm (81% Recommend)
- State Farm scores 4.5 Easy Application, 4.2 Terms & Premium Satisfaction and 4.3 Support & Guidance, with the easiest application score among Martinsburg’s top 3.
- State Farm is practical for drivers who want a familiar company and local office support.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| The WR Berkley Insurance Agency | Agency | 4.6 | 4.5 | 4.8 | 87% |
| Erie Insurance | Insurer | 4.3 | 4.6 | 4.6 | 84% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 81% |
| Nationwide | Insurer | 4.3 | 4.2 | 4.2 | 79% |
| Progressive | Insurer | 4.7 | 4.2 | 4.1 | 78% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 77% |
| Allstate | Insurer | 4.3 | 4.1 | 4.2 | 76% |
| Travelers | Insurer | 4.2 | 4.2 | 4.1 | 75% |
Morgantown Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Morgantown’s area are Loudin Insurance Agency, Erie Insurance and State Farm.
Loudin Insurance Agency (88% Recommend)
- Loudin Insurance Agency scores 4.6 Easy Application, 4.6 Terms & Premium Satisfaction and 4.8 Support & Guidance, the highest Support & Guidance among Morgantown’s top 3.
- Drivers can use the agency to compare coverage options and ask questions before choosing a company.
Erie Insurance (85% Recommend)
- Erie Insurance has 4.3 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, matching Loudin Insurance Agency on Terms & Premium Satisfaction.
- Erie is a good choice for drivers who want agent help and strong value for the policy.
State Farm (81% Recommend)
- State Farm scores 4.5 Easy Application, 4.2 Terms & Premium Satisfaction and 4.3 Support & Guidance, giving it the easiest application score among Morgantown’s top 3.
- State Farm works well for drivers who want a familiar insurer and a local office they can contact.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Loudin Insurance Agency | Agency | 4.6 | 4.6 | 4.8 | 88% |
| Erie Insurance | Insurer | 4.3 | 4.6 | 4.6 | 85% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 81% |
| Nationwide | Insurer | 4.3 | 4.2 | 4.2 | 79% |
| Progressive | Insurer | 4.7 | 4.2 | 4.1 | 78% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 77% |
| Allstate | Insurer | 4.3 | 4.1 | 4.2 | 76% |
| Travelers | Insurer | 4.2 | 4.2 | 4.1 | 75% |
Parkersburg Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Parkersburg’s area are Peoples Insurance Agency, Erie Insurance and State Farm.
Peoples Insurance Agency (87% Recommend)
- Peoples Insurance Agency scores 4.6 Easy Application, 4.5 Terms & Premium Satisfaction and 4.8 Support & Guidance, the highest Support & Guidance among Parkersburg’s top 3.
- Drivers can work with a local agency that compares companies and helps make the policy choices easier to understand.
Erie Insurance (84% Recommend)
- Erie Insurance has 4.3 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, the strongest Terms & Premium Satisfaction among the top 3.
- Erie works well for drivers who want agent help and good value for the coverage.
State Farm (80% Recommend)
- State Farm scores 4.5 Easy Application, 4.2 Terms & Premium Satisfaction and 4.3 Support & Guidance, with stronger Easy Application than Erie.
- State Farm is a practical fit for drivers who want a familiar company and a local office for help.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Peoples Insurance Agency | Agency | 4.6 | 4.5 | 4.8 | 87% |
| Erie Insurance | Insurer | 4.3 | 4.6 | 4.6 | 84% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 80% |
| Nationwide | Insurer | 4.3 | 4.2 | 4.2 | 79% |
| Progressive | Insurer | 4.7 | 4.2 | 4.1 | 78% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 77% |
Weirton Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Weirton’s area are Chambers & James Insurance Agency, Erie Insurance and State Farm.
Chambers & James Insurance Agency (87% Recommend)
- Chambers & James Insurance Agency scores 4.6 Easy Application, 4.5 Terms & Premium Satisfaction and 4.8 Support & Guidance, the highest Support & Guidance among Weirton’s top 3.
- Drivers can get local help comparing companies and talking through coverage before buying.
Erie Insurance (84% Recommend)
- Erie Insurance has 4.3 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, the strongest Terms & Premium Satisfaction among the top 3.
- Erie is a strong option for drivers who want agent help and a good balance of price and service.
State Farm (80% Recommend)
- State Farm scores 4.5 Easy Application, 4.2 Terms & Premium Satisfaction and 4.3 Support & Guidance, with the easiest application score among Weirton’s top 3.
- State Farm works well for drivers who want a familiar company and a local agent they can contact.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Chambers & James Insurance Agency | Agency | 4.6 | 4.5 | 4.8 | 87% |
| Erie Insurance | Insurer | 4.3 | 4.6 | 4.6 | 84% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 80% |
| Nationwide | Insurer | 4.3 | 4.2 | 4.2 | 79% |
| Progressive | Insurer | 4.7 | 4.2 | 4.1 | 78% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 77% |
Wheeling Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Wheeling’s area are Paree Insurance Centers, Erie Insurance and State Farm.
Paree Insurance Centers (87% Recommend)
- Paree Insurance Centers scores 4.6 Easy Application, 4.5 Terms & Premium Satisfaction and 4.8 Support & Guidance, the highest Support & Guidance among Wheeling’s top 3.
- Drivers can work with a local agency that compares companies and helps explain the coverage before they buy.
Erie Insurance (84% Recommend)
- Erie Insurance has 4.3 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, the strongest Terms & Premium Satisfaction among the top 3.
- Erie works well for drivers who want agent help and strong value for the policy.
State Farm (80% Recommend)
- State Farm scores 4.5 Easy Application, 4.2 Terms & Premium Satisfaction and 4.3 Support & Guidance, with the easiest application score among Wheeling’s top 3.
- State Farm is a practical choice for drivers who want a recognizable insurer and local office support.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Paree Insurance Centers | Agency | 4.6 | 4.5 | 4.8 | 87% |
| Erie Insurance | Insurer | 4.3 | 4.6 | 4.6 | 84% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 80% |
| Nationwide | Insurer | 4.3 | 4.2 | 4.2 | 79% |
| Progressive | Insurer | 4.7 | 4.2 | 4.1 | 78% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 77% |
Vienna Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Vienna’s area are Peoples Insurance Agency, Erie Insurance and State Farm.
Peoples Insurance Agency (87% Recommend)
- Peoples Insurance Agency scores 4.6 Easy Application, 4.5 Terms & Premium Satisfaction and 4.8 Support & Guidance, the highest Support & Guidance among Vienna’s top 3.
- Drivers can get local help comparing companies and understanding which coverage choices matter most.
Erie Insurance (84% Recommend)
- Erie Insurance has 4.3 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, the strongest Terms & Premium Satisfaction among the top 3.
- Erie is a good fit for drivers who want agent help and a solid balance of price and service.
State Farm (80% Recommend)
- State Farm scores 4.5 Easy Application, 4.2 Terms & Premium Satisfaction and 4.3 Support & Guidance, with the easiest application score among Vienna’s top 3.
- State Farm works well for drivers who want a familiar company and a local agent they can call.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Peoples Insurance Agency | Agency | 4.6 | 4.5 | 4.8 | 87% |
| Erie Insurance | Insurer | 4.3 | 4.6 | 4.6 | 84% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 80% |
| Nationwide | Insurer | 4.3 | 4.2 | 4.2 | 79% |
| Progressive | Insurer | 4.7 | 4.2 | 4.1 | 78% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 77% |
End Note
Meeting the legal minimum keeps you driving, but mountain terrain, changing weather, and uninsured drivers can lead to bills that go beyond those limits.
Match your coverage to what you own and what a real crash can cost in West Virginia, not just what the law requires.