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Cheap SR 22 Auto Insurance in West Virginia: Best Companies & Quotes
Best Car Insurance Companies in West Virginia
- State Farm
|AM Best Financial Strength Rating||A||A++||A+||A++||A+||A+|
|JD Power 2019 Overall Customer Satisfaction score||5/5||5/5||5/5||3/5||3/5||3/5|
|Avg Annual Premium||$385||$497||$511||$801||$837||$883|
|Consumer Reports Reader Score||N/A||78||86||78||72||72|
Auto Insurance Statistics in West Virginia
Auto insurance rates in West Virginia have been slightly consistent for the past few years.
Top 10 Cheapest Car Insurance Companies in West Virginia
|Rank||Company Name||Avg. Annual Premium|
Drunk Driving Fatalities
Drinking and driving can sadly lead to fatalities and this is why the practice is illegal. Understanding the dangers of drinking and driving can help drivers to make different choices. In West Virginia, the rate of drunk driving fatalities has been on the decline when compared to national averages. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in West Virginia vs. nationwide.
Drunk driving fatalities in West Virginia from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in West Virginia is at a rate that is considerably less than the national average. The data below demonstrates the level of drinking and driving taking place in West Virginia when compared to other states around the country.
Teen Drinking & Driving in West Virginia vs. Nationwide
SR-22 Insurance in West Virginia
If you commit a driving offence in West Virginia, the DMV may require you to purchase an SR-22 certificate to prove that you have proper coverage. This is a common requirement if you want to reinstate your license. Your insurance provider will need to submit your SR-22 form directly to your West Virginia DMV.
It can be difficult to find an affordable SR-22 plan in West Virginia. This is largely due to the fact that you don't have a perfect driving record. If you've committed an infraction that requires you to purchase an SR-22 policy, your premiums will naturally rise. For this reason, it's critical to compare the market before you make a purchasing decision.
Car Theft in West Virginia
Car theft in West Virginia has been almost half that of the national average which is good news for car owners. To protect against loss from vehicle thefts, it is important to consider obtaining comprehensive car insurance coverage. Understanding the number of car thefts in West Virginia will help drivers to have a more comprehensive understanding of the level of risk they take while driving and owning a vehicle in the state.
Vehicle thefts by rank Nationwide vs. West Virginia
Uninsured Motorists in West Virginia
Without car insurance, when an accident occurs, drivers have to pay directly out of pocket for property damage and other expenses. This is why it is best to carry some form of uninsured and underinsured motorist coverage. The below data shows how well West Virginia ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
The insurers with the cheapest annual rates are Erie, State Farm, Westfield, and GEICO. They offer $715, $965, and $1,100 respectively. State Farm and Westfield have similar rates and share the number two spot on the list. An Erie car insurance quote is close to half that of the state average. This echoes the fact that one can get auto insurance at a low price. Metlife and Sentry are on the higher end of the list offering rates that are higher than the state average. Sentry has the highest rates in the state of $3206 which is more than twice that of the state average whereas Metlife’s rates are 23% more than the average. It is prudent for one to compare at least three quotes from different insurers before choosing an insurer. It is important to consider the fact that this data was obtained from drivers with good records so the rates might be higher or lower for you depending on your situation. The credit record of a driver also determines the rates that they will receive. Putting these factors into consideration before choosing an insurer is good.
There are several cities and towns in West Virginia such as Charleston, Wheeling, Fairmont, and Parkersburg. The cheapest insurer in all the major cities and towns is still Erie. This means that their pricing is consistent across all areas. The next two spots were held varyingly by Westfield and State Farm. They are also among the top three in the whole state. It is safe to choose any of these three insurers no matter where you are in the state. It is important to note that the rates are higher in some towns compared to others despite the fact that they are the cheapest insurers.
Which regions in the state have the most affordable auto insurance? The city with the cheapest insurance rates in the state is Martinsburg. It has an average of $1241. This is an 11% decrease from the average of the whole state. The city has less than 20,000 residents, and its economy is reliant of healthcare and government employers such as the Veteran Affairs Medical Center and the Berkeley Medical Center. Berkeley Springs comes second with an average rate of $1259. This is less than 20 dollars compared to the rate in Martinsburg. The annual rate is 9% cheaper than the average blended rate in the whole state. The low rates could be attributed to the small number of people in the area since it has a population of only 600 people. It is one of the best art towns in the nation and is located near the Potomac River and the Maryland border. The other locations that completed the top five include Clarksburg, Moorefield, and Keyser. It is interesting to see that all these regions are on the upper side of the state or close to the border of Maryland.
There are some cities whose average rates were more than the overall mean of West Virginia. These cities include Wayne, Madison, Logan, and Williamson. The rates are as high as 20%. It would be best to compare several insurers if you reside in any of these cities since the prices are relatively higher. Auto insurers in West Virginia rank the same when it comes to providing the best service although the cheapest auto insurer is not necessarily the best. Most of these auto insurers received close to no complaints from the customers that they served in the state.
Types of Auto Insurance Coverage in West Virginia:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
Minimum Auto Insurance Requirements in West Virginia
There are minimum requirements for auto insurance in the state of West Virginia. According to West Virginia Law, each vehicle in the state needs to be covered by a minimum of liability insurance coverage
Liability minimums in West Virginia are as follows:
$10,000 coverage for property damage in an accident
$20,000 coverage for injury or death in an accident
$40,000 coverage in an accident if there is more than one person injured or killed.
Source: West Virginia Driver’s Handbook,
Cheap Auto Insurance Discounts
At CheapAutoInsurance.co, we are diligent about providing information to help you save as much as possible on the cost of car insurance. One way to do so is by taking advantage of car insurance discounts. Browse the list below to find some of the auto insurance discounts you can use to save on the cost of car insurance each month or year in West Virginia.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
General Auto Insurance in West Virginia
In this section, you will find general questions pertaining to auto insurance in West Virginia.
How old do I have to be to get insurance on a car in West Virginia?
How long do car accidents stay on your insurance record in West Virginia?
What if my car insurance is cancelled in West Virginia?
What is the West Virginia surcharge on my car insurance?
What are the West Virginia insurance laws when totaling your car?
I sold my car. Do I need to cancel my insurance in West Virginia?
How long do you have to put a used car on your car insurance?
What is the new state law about insurance premiums in West Virginia?
At what age can you have auto insurance in West Virginia?
For the DMV in West Virginia, what is necessary to cancel auto insurance?
How to report car insurance fraud in West Virginia?
How to buy car insurance in West Virginia with bad credit?
For auto insurance in West Virginia, when do you have to report an auto accident?
How to get car insurance in West Virginia?
How long after an accident can you claim on insurance in West Virginia?
What to do after a car accident in West Virginia?
I just moved to West Virginia. How soon do I need to transfer my car insurance?
When did West Virginia require auto insurance?
Do I have to have car insurance in West Virginia?
Auto Insurance Rates in West Virginia
In this frequently asked question section, you will find questions pertaining to auto insurance rates in West Virginia.
Why is car insurance so expensive in West Virginia?
Who has the lowest car insurance rates in West Virginia?
What does car insurance cost in West Virginia?
How to lower your car insurance in West Virginia?
- Shopping around for the lowest car insurance rates for your county.
- Use higher deductibles.
- Reduce the type of coverage you have for older cars.
- Have good to excellent credit
- Take advantage of car insurance discounts.
How long does my car insurance rate increase after an accident in West Virginia?
How much is it for liability car insurance in West Virginia?
What should I pay for car insurance in West Virginia?
How much is car insurance in West Virginia for a 22 year old?
How to save money on car insurance in West Virginia?
How much is car insurance in West Virginia for a 16 year old?
Auto Insurance Companies in West Virginia
In this section, you will find questions pertaining to auto insurance companies in West Virginia.
What are the top 10 car insurance agencies in the state of West Virginia?
- Progressive Insurance
- GEICO Insurance
- Erie Insurance
- Westfield Insurance
- State Farm Insurance
- Motorists Mutual Insurance
- MetLife Insurance
- Sentry Insurance
- West Virginia National Insurance
- Liberty Mutual Insurance
What insurance companies cover home and auto insurance in West Virginia?
- Allstate Insurance
- Liberty Mutual Insurance
- State Farm Insurance
- Nationwide Mutual Insurance
- GEICO Insurance
- Progressive Insurance
- Farmer’s Insurance
- Erie Insurance
You're likely to see even more options if you search for a list of car insurance companies near me in any search engine.
What happens with your insurance company when you total your car?
What is the cheapest car insurance coverage in West Virginia?
In West Virginia, who governs what car insurance companies do?
Auto Insurance Coverage in West Virginia
In this frequently asked question section, you will find general questions regarding auto insurance coverage in West Virginia.
In West Virginia, what type of car insurance must you have?
What amount of car insurance is mandatory in West Virginia?
What does the state of West Virginia require for bodily car insurance?
What type of high risk auto insurance do I need in West Virginia?
What is the bare minimum auto insurance that is needed in West Virginia?
In West Virginia, when do you need to add your licensed teenager to your car insurance?
What insurance coverage do you need when buying a used car from a private seller in West Virginia?
For an older car, what do I need for car insurance in West Virginia?
In West Virginia, do you have to have full coverage insurance?
No Auto Insurance in West Virginia
In this frequently asked question section, you will find questions pertaining to having no auto insurance in West Virginia.