Auto Insurance in West Virginia — Average Cost 2026
Average auto insurance in West Virginia: $1,650/year ($138/month). West Virginia ranks #25 out of 51 states — below the national average.
Average annual
$1,650
Average monthly
$138
National rank
#25
of 51 states
vs national avg
-7.3%
West Virginia vs national average
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Auto insurance in West Virginia
West Virginia sits 7% below the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in West Virginia tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save West Virginia drivers hundreds of dollars annually.