Car insurance rates differ by state and driver, but factors like ZIP code, driving record and credit score also have an effect. With our West Virginia Car Insurance Calculator, we can show you personalized quotes from top providers offering comprehensive coverage in your area – simply answer a few questions to see options that could save money!
West Virginia drivers pay an average annual car insurance cost of $1,378–3.4% less than the national average. USAA, State Farm and Safeco offer competitively priced policies. Unfortunately, drivers with poor credit may pay considerably more; fortunately though you may still find affordable policies with adequate coverage despite this issue.
West Virginians of all types can use the calculator above to quickly compare car insurance quotes in Charleston, Huntington or any other city by entering their driver details into it. You will be shown which providers have the lowest premiums based on factors like age, driving record and credit score – saving time when shopping around!
West Virginia is a “fault” state, which means the at-fault party must cover damages in most accidents. To be on the safe side, however, it is wise to carry more than the minimum requirements; which include $100,000 of bodily injury liability per person and $50K property damage liability per accident. Furthermore, you may wish to consider purchasing uninsured motorist coverage to protect you if the other driver doesn’t carry enough coverage or doesn’t carry enough.
West Virginia car insurance rates depend on your driving history more than anything else. Even one speeding ticket can have a dramatic effect, while more serious offenses such as an at-fault accident or DUI conviction can increase them even more drastically.
Addition of teen drivers can significantly increase your West Virginia auto insurance rates; on average they increase rates 3.1x due to inexperience driving behind the wheel.
If the cost of car insurance in West Virginia is becoming prohibitively expensive, consider opting for a short-term policy instead of full coverage. Short-term policies tend to be cheaper than full coverage plans and allow drivers to quickly resume driving after accidents or mishaps occur.
As a general guideline, drivers with great credit should be able to save approximately 15% off their West Virginia car insurance premiums. On the other hand, those with poor scores could pay as much as 10% more.