Cheap Car Insurance in West Virginia
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West Virginia Car Insurance Minimums
West Virginia requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$25,000
- Uninsured motorist bodily injury: $25,000/$50,000
- Uninsured motorist property damage: $25,000
At-fault (tort) state.
Source: W. Va. Code § 33-6-31(b); § 17D-4-2 (https://code.wvlegislature.gov/33-6-31/), verified 2026-09-01.
What drives car insurance rates in West Virginia
Average spend per insured vehicle, 2023
$1,063
West Virginia drivers spent $1,063 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2024
61.6¢
Auto insurers in West Virginia paid 61.6 cents in claims for every premium dollar in 2024; the median state was 63.5 cents.
Traffic deaths per 100 million miles, 2024
1.49
West Virginia recorded 256 traffic deaths in 2024, 1.49 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
66.2
West Virginia reported 1,169 motor vehicle thefts in 2025, 66.2 per 100,000 residents, from 78.5 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#38
FEMA ranks West Virginia #38 of 51 for expected annual loss from natural hazards; flood accounts for 86% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2024: NAIC Profitability by Line by State, 2024
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in West Virginia
The ten insurer groups that wrote the most auto premium in West Virginia in 2025, with their share of the state total of $1.7 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 30.94% | $518 million |
| 2 | Progressive Group | 15.36% | $257 million |
| 3 | Erie Insurance Group | 15.29% | $256 million |
| 4 | Berkshire Hathaway Group | 7.22% | $121 million |
| 5 | Allstate Insurance Group | 6.87% | $115 million |
| 6 | Liberty Mutual Group | 5.29% | $89 million |
| 7 | Nationwide Corp Group | 5.13% | $86 million |
| 8 | United Services Automobile Association Group | 4.35% | $73 million |
| 9 | Westfield Group | 1.89% | $32 million |
| 10 | Sentry Insurance Group | 1.37% | $23 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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