Car insurance in West Virginia
Drivers in West Virginia paid $1,227 a year for full coverage in 2023, 15% below the national average. With prices up since, figure on about $1,450 today. In West Virginia, the law asks for at least 25/50/25 liability.
What people pay in West Virginia
A typical yearly price today
about $1,450 a year (about $120 a month)
West Virginia's average full-coverage cost in 2023 was $1,227, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $1,450.
That makes West Virginia the 20th least expensive of the 50 states and DC. Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
West Virginia next to its neighbors
A typical policy in West Virginia costs more than in Kentucky and Ohio and less than in Maryland, Pennsylvania, and Virginia.
| State | Typical price, 2023 | Moving to West Virginia from there |
|---|---|---|
| West Virginia | $1,227 | Not a move |
| Kentucky | $1,208 | About the same |
| Maryland | $1,602 | About $510 less a year |
| Ohio | $1,038 | About $260 more a year |
| Pennsylvania | $1,273 | About $60 less a year |
| Virginia | $1,238 | About the same |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance West Virginia's law asks for
- Liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP)
- Not required
- Medical payments
- Not required
- No-fault
- No
- Uninsured motorist
- Required
- Underinsured motorist
- Not required
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $523 in West Virginia in 2023 (about $620 today, brought up the same rough way), the 17th lowest of the 50 states and DC. That's about 43% of the full-coverage price; the rest pays to fix or replace your own car.
West Virginia requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. Uninsured-motorist coverage at those amounts is always part of your policy; underinsured-motorist coverage is an option your insurer has to offer.
What we couldn’t confirm: We marked underinsured motorist coverage not required because the law says the policy must "provide an option" for it. We found no general PIP or medical payments requirement, and no-fault status is inferred from the absence of any PIP or lawsuit-limit law.
- Uninsured and underinsured motorist
- Uninsured motorist coverage is at least $25,000/$50,000/$25,000, and the first $300 of property damage may be excluded. Insurers must offer more, up to 100/300/50, and must offer underinsured coverage as an option.
- Checked
- September 22, 2026
A new teen driver in West Virginia
Adding a 16-year-old to a typical policy
about $960 more a year
About $80 a month, on one average car with full coverage. The whole policy with the teen: roughly $1,800–$3,200 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $4,170 a year in West Virginia (roughly $3,200–$5,950).
What adding a teen costs comes from California's published prices, so the range is wide, and West Virginia may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
In West Virginia, the 2022 Subaru Forester, Outback, and Crosstrek come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $860 more a year. At the other end of the same lists, the 2022 Tesla Model 3 costs about $1,440 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$860 a year | $3,720 a year |
| 2022 Subaru Outback | +$860 a year | $3,730 a year |
| 2022 Subaru Crosstrek | +$860 a year | $3,750 a year |
| 2022 Honda CR-V | +$920 a year | $4,010 a year |
| 2022 Toyota RAV4 | +$940 a year | $4,070 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in West Virginia (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: West Virginia's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.