Cheapest Car Insurance in West Virginia: Cost and Plans (2022)


*Our research team considers country factors when rating vendors. The ranking of providers in this table is specific to auto insurance in West Virginia.

1. Erie Insurance: strong local coverage

JD Power Regional Assessment: 856/1000

AM Best financial strength rating: A+

Rating from the Better Business Bureau (BBB): A+

Our estimates show that Erie is one of the cheapest car insurance companies in West Virginia, especially for young drivers. Erie offers a number of benefits and add-ons, including roadside assistance, rental car coverage, and auto glass repair. The company also performed well in several JD Power customer satisfaction surveys.

2. USAA: Low fares for the military

JD Power Regional Assessment: 896/1000

AM Best financial strength rating: A++

BBB rating: A+

USAA provides inexpensive auto insurance for many drivers in West Virginia. However, only military personnel, veterans, and their immediate families are eligible for USAA coverage. The insurer has high customer satisfaction ratings from JD Power, including the highest score for the Mid-Atlantic region in the 2021 JD Power U.S. Auto Insurance Study.SM. The insurer also offers a number of additional coverage options, including accident forgiveness, roadside assistance, and car replacement assistance.

Keep reading: USAA Insurance Review

3. State Farm: most popular supplier

JD Power Regional Assessment: 851/1000

AM Best financial strength rating: A++

BBB rating: A+

State Farm may be a good option for West Virginia students. With Steer Clear® app, young drivers can improve their skills and benefit from car insurance discounts of up to 20%. State Farm also offers the best student discount in the industry, up to 25%. State Farm’s additional coverage options include ride-sharing insurance, roadside assistance, and rental car reimbursement.

Keep reading: State Farm Insurance Review

4. Nationwide: affordable for drivers with poor credit

JD Power Regional Assessment: 823/1000

AM Best financial strength rating: A+

BBB rating: A+

Our rate estimates show that Nationwide is one of the cheapest providers in West Virginia, especially for people with poor credit scores. Nationwide’s usage-based insurance program, SmartMiles®, is available to West Virginia drivers. With this program, you pay a base rate per month and a rate per mile. This can be a good option for those who work from home or drive infrequently. Nationwide’s additional coverage includes accident forgiveness and insurance gap.

Keep reading: National Insurance Examination

5. Progressive: low rates for high-risk drivers

JD Power Regional Assessment: 834/1000

AM Best financial strength rating: A+

BBB rating: F

Our rate estimates show that Progressive can be a good option for high-risk drivers in West Virginia, such as those with at-fault accidents on their record or bad credit. What sets Progressive apart from its competitors is that it allows you to compare car insurance quotes other insurance companies on its website, making shopping easier. West Virginia drivers can use the progressive snapshot® program to save money based on their driving habits.

Our team contacted Progressive for comment on its low BBB rating and received no response.

Keep reading: Progressive insurance review


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