Car insurance in West Virginia is right in the middle – literally.
When compared to all the states of the United States and Washington, D.C., West Virginia falls smack dab in the middle as #25 for its total car insurance costs. When you want the cheapest home and car insurance, it’s a good place to start looking. In some areas, car insurance rates in West-Virginia are well below the national average.
That’s great news but it also means there’s a wide span of different car insurance rates out there!
No matter where you live, finding the cheapest car insurance in West Virginia is essential. When you start off with a lower rate, it means you will save much more money over time.
That makes a big difference because even in a state like West Virginia, auto insurance rates tend to go up every year. There’s no reason to spend any more than you have to!
To get started on the trek to the best car insurance in West-Virginia, take some time to peruse these car insurance facts from the experts at Cheap Insurance. The more you know, the easier it will be to find the cheapest car insurance in your neck of the woods.
What Kind Of Car Insurance Do You Need In West Virginia?
Minimum car insurance in West Virginia refers to the lowest amount of insurance required by law. Before you can drive or register your vehicle in West Virginia, you will need to hold insurance that meets these standards.
The minimum auto insurance policy in West Virginia includes:
- Bodily Injury Liability: $25,000 per individual and $50,000 per covered traffic event
- Property Damage Liability: A flat $25,000 per covered traffic event
- Uninsured Motorist Bodily Injury: $25,000 per individual and $50,000 per covered traffic event
- Uninsured Motorist Property Damage: Same as the minimum above – $25,000
The lowest car insurance rates in West-Virginia almost always apply to this minimum insurance setup. In addition, top auto insurance companies are required to offer you a standard package of Underinsured Motorist coverage, but you may reject that coverage in writing.
The optional coverage amount is:
- Underinsured Motorist Bodily Injury: $25,000 per individual and $50,000 per covered traffic event
While this is optional, you may want to consider keeping it if you can find an affordable policy. Underinsured Motorist coverage helps in the event the other driver’s coverage cannot pay for all accident expenses, much like Uninsured Motorist coverage protects you if you are in an accident with a driver who has no insurance.
How Can You Save Money On Car Insurance In West Virginia?
Car insurance in West-Virginia becomes even more affordable when you know how to save money.
Many car insurance companies offer discounts and incentives that can help you. However, they don’t always talk about these in their advertisements or even on their website. Before you finalize a policy, take time to ask about savings you might already qualify for.
Some common car insurance discounts in West Virginia include:
- Safe driver discounts for people who have no recorded traffic violations or accidents
- Defensive driving discounts for taking and passing a class from a reputable driving school
- Savings for keeping your vehicle maintained or installing new safety features on it
- Affiliation discounts for service members, police, firefighters, and other professions
Last, but not least, remember that you can always vote with your wallet. You can compare car insurance online any time, so don’t hesitate to switch car insurance companies. Just be sure that when you switch, you don’t end up with a gap in your car insurance coverage.
What Happens if You Don’t Have Car Insurance In West Virginia?
Even if you can’t find the cheapest home and car insurance, you should still hold West Virginia car insurance!
Driving without car insurance in West Virginia is a misdemeanor, so you might think it leads to fewer penalties than in other states. But even on a first offense, you may have your driving privileges suspended for 30 days. It can remain suspended until you provide proof of a qualifying car insurance policy.
Subsequent offenses lead to a driver’s license suspension of not less than 90 days.
On top of that, you will end up paying a significant amount on your monthly car insurance premium. The average traffic infraction impacts insurance rates for three full years from the date of the event.
With Cheapinsurance.com, you can make car insurance in West-Virginia even easier. Our website is designed to help you find the best deal by making it a snap to compare car insurance quotes online. With us, the new affordable car insurance policy you want could be active by tomorrow.
Get started now and compare car insurance quotes or contact us for more information.
How Much Is Car Insurance In West Virginia?
Cheap car insurance in West Virginia can be a real bargain. West Virginia sits at the middle of the pack on its car insurance costs. Among all states and Washington, D.C., it has been ranked as #25 for average car insurance prices. Of course, insurance rates can vary.
The average cost of car insurance in West Virginia is about $1,450 per year or just under $120 per month. If you opt for minimum car insurance in West Virginia, you could pay as little as about $500 per year. Conversely, full car insurance in West Virginia adds up to over $1,600 per year.
What Is The Average Cost Of Car Insurance In West Virginia?
Car insurance rates in West Virginia can be favorable to a driver with some experience. The state as a whole ranks #25 for its car insurance costs. While big cities can have higher rates, many drivers in West Virginia find that their car insurance is very affordable.
How much you pay will depend on how much West Virginia car insurance you decide to hold. A policy costs West Virginia drivers an average of about $1,450 per year. The average increases to more than $1,600 if you decide to maximize your coverage. Minimum coverage may cost just a few hundred dollars annually.
Who Has The Cheapest Home And Car Insurance?
Looking for the cheapest home and car insurance? You will probably want to travel to Maine, which is ranked last among all 50 states and Washington, D.C. for the cost of its car insurance. The average premium is barely over $900, making it one of just two states with annual premiums below $1,000.
Homeowner’s insurance is a much more challenging question. Depending on the terms of your mortgage, you may be required to hold pricey mortgage insurance or other forms of optional insurance. Recent research puts Oregon, Utah, and Idaho at the top of the heap for cheapest home insurance.
How Expensive Is Car Insurance In West Virginia?
Car insurance in West Virginia is not very expensive especially compared to some neighboring states. In fact, West Virginia is the definition of “average”: It rates #25 in terms of total car insurance costs, putting it right in the middle. The right insurance can save West Virginians hundreds of dollars a year.
Average West Virginia car insurance rates total out to about $1,450 per year. Some drivers decide to take on additional coverage, which can push their average toward $1,600 per year. Those looking for cheap car insurance in West Virginia could get minimum coverage for around $500 annually.