How much is car insurance in West Virginia?
Car insurance in West Virginia cost an average of $1,227 a year for full coverage in 2023 (NAIC), sitting 15% below the $1,439 national average and coming to about $1,450 a year in West Virginia today (about $120 a month in August 2026 dollars). In West Virginia, the law asks for at least 25/50/25 liability, while West Virginia liability-only policies—the closest NAIC figure to minimum coverage—averaged $523 in 2023 (about $620 today).
Average car insurance cost in West Virginia: 15% below the US average
Typical West Virginia full-coverage price today
about $1,450 a year in West Virginia (about $120 a month)
West Virginia's 2023 NAIC full-coverage average ($1,227) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your West Virginia rate depends on your car, driving history, and coverage limits.
That $1,227 2023 full-coverage figure makes West Virginia the 20th least expensive of the 50 states and DC (against $1,439 nationally), with 43% going to liability ($523, 17th lowest in the US) and 57% covering physical damage to your own vehicle. Counting every insured car in West Virginia—both full-coverage and liability-only policies—West Virginia drivers spent $1,063 per vehicle on average in 2023 (20th lowest in the US, about $1,260 today), or 13% ($164) less than West Virginia's full-coverage combined average.
How West Virginia compares with Kentucky, Maryland, Ohio, and 2 more bordering states
A typical policy in West Virginia ($1,227 in 2023) costs more than in Kentucky and Ohio and less than in Maryland, Pennsylvania, and Virginia. Among West Virginia's neighbors, Ohio had the lowest 2023 average ($1,038, moving to West Virginia is about $250 more a year) and Maryland had the highest ($1,602, moving to West Virginia is about $500 less a year).
| State | 2023 average | Moving to West Virginia from there |
|---|---|---|
| West Virginia | $1,227 | Current state (West Virginia) |
| Kentucky | $1,208 | About the same |
| Maryland | $1,602 | About $500 less a year |
| Ohio | $1,038 | About $250 more a year |
| Pennsylvania | $1,273 | About $60 less a year |
| Virginia | $1,238 | About the same |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Minnesota ($1,223 in 2023, about $1,450 today), Washington ($1,235 in 2023, about $1,460 today), Tennessee ($1,212 in 2023, about $1,440 today), and Illinois ($1,257 in 2023, about $1,490 today).
West Virginia: 25/50/25 minimums since 2016, with mandatory uninsured-motorist coverage
- West Virginia liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP) in West Virginia
- Not required
- Medical payments in West Virginia
- Not required
- No-fault system in West Virginia
- No
- Uninsured motorist in West Virginia
- Required
- Underinsured motorist in West Virginia
- Not required
Set by W. Va. Code 17D-4-2, West Virginia's 25/50/25 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $25,000 for others' property—the legal floor in West Virginia, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in West Virginia—the closest NAIC figure to what a West Virginia minimum policy costs—averaged $523 in 2023 (about $620 in West Virginia today), the 17th lowest of the 50 states and DC. That makes liability 43% of West Virginia's full-coverage average ($1,227), while the remaining 57% goes toward collision and comprehensive coverage for 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.
- History and recent checks
- 25/50/25 beginning January 1, 2016 (was 20/40/10). No 2024-2026 change found.
- Checked
- September 22, 2026
- Sources
- W. Va. Code 17D-4-2
Beginning January 1, 2016 ... $25,000 because of bodily injury to or death of one person ... $50,000 ... $25,000 because of injury to or destruction of property of others
- W. Va. Code 17D-2A-3
Every owner or registrant of a motor vehicle required to be registered and licensed in this state shall maintain security as hereinafter provided in effect continuously
- W. Va. Code 33-6-31
Nor may any such policy ... be so issued ... unless it contains an endorsement ... uninsured motor vehicle, within limits which shall be no less than the requirements of section two, article four, chapter seventeen-d
- W. Va. Code 17D-4-2
Adding a 16-year-old driver in West Virginia: about $960 more a year
Adding a 16-year-old to a West Virginia policy
about $960 more a year
About $80 a month (+66% over a typical West Virginia adult policy of $1,450), bringing the combined West Virginia family policy to roughly $1,800–$3,200 a year.
On a separate West Virginia policy of their own with the same car, a 16-year-old in West Virginia would pay about $4,170 a year (roughly $3,200–$5,950), so sharing a parent's West Virginia policy saves about $3,210 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to West Virginia's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in West Virginia
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 on a West Virginia policy, versus about $1,440 more a year for the 2022 Tesla Model 3 at the top of West Virginia's list.
| 2022 model | Added to a West Virginia policy | Own West Virginia policy |
|---|---|---|
| 2022 Subaru Forester | +$860 in West Virginia | $3,720 in West Virginia |
| 2022 Subaru Outback | +$860 in West Virginia | $3,730 in West Virginia |
| 2022 Subaru Crosstrek | +$860 in West Virginia | $3,750 in West Virginia |
| 2022 Honda CR-V | +$920 in West Virginia | $4,010 in West Virginia |
| 2022 Toyota RAV4 | +$940 in West Virginia | $4,070 in West Virginia |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in West Virginia
In West Virginia, a 45-year-old with full coverage pays from about $1,540 a year for a 2024 Chevrolet Equinox to about $2,300 for a 2024 Tesla Model Y on these West Virginia sample models.
| Car | 45-year-old in West Virginia | Adding a teen in West Virginia |
|---|---|---|
| 2024 Kia Sportage | about $1,710 a year | +$1,130 a year |
| 2024 Chevrolet Equinox | about $1,540 a year | +$1,020 a year |
| 2024 Ford Escape | about $1,650 a year | +$1,090 a year |
| 2024 Nissan Rogue | about $1,610 a year | +$1,060 a year |
| 2024 Toyota Highlander | about $1,580 a year | +$1,040 a year |
| 2024 Tesla Model Y | about $2,300 a year | +$1,520 a year |
| 2024 Ford F-150 | about $1,700 a year | +$1,120 a year |
| 2024 Toyota Tacoma | about $1,570 a year | +$1,040 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in West Virginia
- How much is car insurance in West Virginia?
- In West Virginia, full-coverage car insurance averaged $1,227 a year in 2023 (the 20th least expensive of the 50 states and DC per NAIC), or about $1,450 a year ($120 a month) in West Virginia as of August 2026. West Virginia liability-only coverage averaged $523 in 2023 (43% of West Virginia's full-coverage figure, or about $620 today), and West Virginia drivers spent $1,063 per insured car across all policies.
- What are the minimum car insurance limits in West Virginia?
- Under W. Va. Code 17D-4-2, West Virginia requires 25/50/25 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $25,000 for property damage. 25/50/25 beginning January 1, 2016 (was 20/40/10). No 2024-2026 change found.
- How much does adding a 16-year-old teen driver cost in West Virginia?
- Adding a 16-year-old to a parent's full-coverage policy in West Virginia adds about $960 more a year ($80 a month), bringing the West Virginia household policy to roughly $1,800–$3,200 a year versus about $4,170 a year (roughly $3,200–$5,950) on a standalone West Virginia teen policy.
- Is West Virginia a no-fault car insurance state?
- No—West Virginia is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and West Virginia does not require personal injury protection (PIP). For uninsured/underinsured motorist coverage in West Virginia: 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.
- How does West Virginia's car insurance cost compare with Kentucky?
- West Virginia averaged $1,227 for full coverage in 2023 (NAIC) against $1,208 in Kentucky (2% more than Kentucky), and moving a sample policy from Kentucky to West Virginia today is about the same. Other bordering states averaged $1,602 in Maryland, $1,038 in Ohio, $1,273 in Pennsylvania, and $1,238 in Virginia in 2023.
Sources for West Virginia
- West Virginia average premiums ($1,227 full coverage, $523 liability-only, $1,063 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- West Virginia minimum coverage statutes (W. Va. Code 17D-4-2; W. Va. Code 17D-2A-3; W. Va. Code 33-6-31), checked September 22, 2026. Page updated for West Virginia. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.