The average driver in West Virginia pays about $1,227 a year for full coverage — about 15% less than the US average of $1,438. That ranks West Virginia #32 of 51 states (mid-pack). The car you drive then shifts it: a cheap-to-insure model can land near $589, a high-loss one well over $9,036.
West Virginia insurance cost by coverage
Average West Virginia premium split by coverage type — liability is required, full coverage adds collision + comprehensive.
Minimum car insurance required in West Virginia
West Virginia legally requires at least 25/50/25 in liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Uninsured-motorist coverage is required. These are legal minimums — most drivers carry more to fully protect themselves.
Minimum coverage is the cheapest to buy, but it may not cover a serious crash — full coverage adds collision and comprehensive for your own car.
Cheapest cars to insure in West Virginia
Estimated annual premium in West Virginia, cheapest first — state average × each car's real HLDI loss index.
Know what a car really costs to insure and own.
- Your personalized rate — coverage, age & deductible
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- …and much more
Most expensive cars to insure in West Virginia
The priciest cars to insure in West Virginia — powerful, theft-prone and costly to repair.
West Virginia insurance cost by year
West Virginia premiums are up about +12% since 2019. Average West Virginia premium by year:
| Year | West Virginia avg / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
Car insurance cost in West Virginia's largest cities
Rates vary within West Virginia by city and ZIP — dense metros like Charleston run above the state average, while smaller towns run below. Estimated typical premium in West Virginia's biggest cities:
| City | Est. typical / yr | vs state avg |
|---|---|---|
| Charleston | $1,350/yr | +10% urban |
| Huntington | $1,313/yr | +7% urban |
| Morgantown | $1,288/yr | +5% urban |
| Parkersburg | $1,276/yr | +4% urban |
| Wheeling | $1,252/yr | +2% urban |
City figures are estimates — urban areas trend above the state average; your exact rate depends on your ZIP, car and record. Use the calculator above for your specific car.