Actual Yearly Savings
  • Joshua
  • $1560
  • Jan 18, 2017
  • Vanessa
  • $1404
  • Jan 6, 2017
  • Daniel
  • $600
  • Jan 1, 2017
  • Ariwah
  • $204
  • Dec 30, 2016
  • Aaron
  • $1200
  • Dec 30, 2016
  • Richard
  • $600
  • Dec 29, 2016
  • Jenaye
  • $1800
  • Dec 28, 2016
  • Gerals
  • $3600
  • Dec 27, 2016
  • Boris
  • $600
  • Dec 24, 2016
  • Ahmed
  • $100
  • Dec 18, 2016
  • Patrick
  • $600
  • Dec 17, 2016
  • Matthew gilmore
  • $300
  • Dec 12, 2016
  • Michael desmond
  • $3600
  • Dec 9, 2016
  • Ganesan
  • $100
  • Dec 9, 2016
  • Mamacita
  • $100
  • Dec 8, 2016
  • Nwaigwe
  • $1125
  • Nov 28, 2016
  • Atif ur rehman
  • $360
  • Nov 23, 2016
  • Zack
  • $1920
  • Nov 8, 2016
  • Brandon
  • $1800
  • Oct 2, 2016
  • Alex
  • $198
  • Aug 10, 2016
  • Kylah
  • $2400
  • May 2, 2016
  • Linda
  • $1200
  • Jul 4, 2015
  • Desi
  • $1200
  • Jun 22, 2015
  • Crystal
  • $300
  • Jun 22, 2015
  • Amer
  • $480
  • Jun 5, 2015
  • Jasmine
  • $2400
  • Jun 4, 2015
  • Ted
  • $120
  • May 15, 2015
  • Jeremiah
  • $1200
  • May 13, 2015
  • Cody
  • $1200
  • Apr 28, 2015
  • Arthur
  • $1500
  • Mar 19, 2015
  • Michael
  • $800
  • Mar 4, 2015
  • Babiisasha
  • $910
  • Mar 2, 2015
  • Alex
  • $516
  • Mar 2, 2015
  • Tushar
  • $2400
  • Feb 28, 2015
  • Tim
  • $300
  • Feb 28, 2015
  • Kristina
  • $1200
  • Feb 21, 2015
  • Santos
  • $1000
  • Jan 30, 2015
  • Janine
  • $1200
  • Jan 21, 2015
  • Matt
  • $150
  • Jan 16, 2015
  • Denise
  • $2100
  • Jan 9, 2015
  • Tammie
  • $1800
  • Dec 12, 2014
  • Denise
  • $1800
  • Dec 8, 2014
  • Nidia
  • $960
  • Dec 7, 2014
  • Debora
  • $240
  • Dec 4, 2014
  • Christian
  • $1200
  • Nov 26, 2014
  • Meghan
  • $1080
  • Nov 9, 2014
  • Robert
  • $3000
  • Nov 8, 2014
  • Gary
  • $1000
  • Oct 24, 2014
  • Gayle
  • $420
  • Oct 21, 2014
  • Manita
  • $600
  • Sep 21, 2014

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One Good Reason to Shop With Us

"After being with my insurance company for just shy of 10 years, and after having shopped

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at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."

Jared

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Resources

Cheapest Car Insurance in West Virginia (WV)

West Virginia makes its home in the Appalachian Mountains. As the only state located completely within Appalachia, “The Mountain State” prides itself on the attractions hidden in those hills. From the massive New River Gorge Bridge to the historic Green Brier hotel and resort, wilderness or luxury awaits the residents and tourists of West Virginia. Cheapcarinsurance.net wants to make the touring a little more simple, so this list of all the important driving laws and facts have been dug up and organized for easy reference.

STATS

Car Insurance Quotes for West Virginia

County Sedan Suv Coupe Truck Hybrid
King$1,344.00$1,158.00$1,416.00$1,254.00$1,406.00

County Sedan Suv Coupe Truck Hybrid
Pierce$1,387.00$1,196.00$1,456.00$1,290.00$1,447.00

County Sedan Suv Coupe Truck Hybrid
Snohomish$1,272.00$1,097.00$1,337.00$1,184.00$1,328.00

County Sedan Suv Coupe Truck Hybrid
Spokane$1,078.00$922.00$1,135.00$1,006.00$1,136.00

County Sedan Suv Coupe Truck Hybrid
Clark$1,172.00$1,006.00$1,232.00$1,092.00$1,229.00

County Sedan Suv Coupe Truck Hybrid
Thurston$1,096.00$942.00$1,150.00$1,021.00$1,151.00

County Sedan Suv Coupe Truck Hybrid
Kitsap$1,052.00$910.00$1,108.00$984.00$1,104.00

County Sedan Suv Coupe Truck Hybrid
Yakima$1,038.00$886.00$1,090.00$964.00$1,092.00

County Sedan Suv Coupe Truck Hybrid
Whatcom$1,002.00$860.00$1,054.00$933.00$1,054.00

County Sedan Suv Coupe Truck Hybrid
Benton$992.00$848.00$1,042.00$922.00$1,042.00

County Sedan Suv Coupe Truck Hybrid
Adams$984.00$832.00$1,034.00$908.00$1,040.00
Asotin$975.00$829.00$1,026.00$900.00$1,030.00
Benton$992.00$848.00$1,042.00$922.00$1,042.00
Chelan$978.00$834.00$1,030.00$908.00$1,035.00
Clallam$973.00$832.00$1,022.00$904.00$1,026.00
Clark$1,172.00$1,006.00$1,232.00$1,092.00$1,229.00
Columbia$966.00$820.00$1,014.00$894.00$1,022.00
Cowlitz$1,048.00$896.00$1,100.00$976.00$1,104.00
Douglas$973.00$830.00$1,024.00$905.00$1,029.00
Ferry$1,043.00$875.00$1,091.00$966.00$1,114.00
Franklin$1,014.00$868.00$1,067.00$944.00$1,066.00
Garfield$993.00$850.00$1,052.00$922.00$1,056.00
Grant$988.00$839.00$1,039.00$915.00$1,042.00
Grays Harbor$1,031.00$880.00$1,080.00$956.00$1,086.00
Island$994.00$854.00$1,044.00$926.00$1,045.00
Jefferson$981.00$842.00$1,032.00$914.00$1,034.00
King$1,344.00$1,158.00$1,416.00$1,254.00$1,406.00
Kitsap$1,052.00$910.00$1,108.00$984.00$1,104.00
Kittitas$970.00$826.00$1,022.00$898.00$1,024.00
Klickitat$1,005.00$854.00$1,057.00$932.00$1,062.00
Lewis$1,046.00$894.00$1,098.00$971.00$1,102.00
Lincoln$1,018.00$864.00$1,071.00$940.00$1,076.00
Mason$1,098.00$941.00$1,154.00$1,022.00$1,156.00
Okanogan$1,036.00$868.00$1,081.00$958.00$1,106.00
Pacific$1,094.00$930.00$1,147.00$1,012.00$1,154.00
Pend Oreille$1,068.00$900.00$1,121.00$988.00$1,141.00
Pierce$1,387.00$1,196.00$1,456.00$1,290.00$1,447.00
San Juan$993.00$849.00$1,040.00$918.00$1,048.00
Skagit$1,014.00$870.00$1,064.00$942.00$1,067.00
Skamania$1,111.00$947.00$1,167.00$1,032.00$1,170.00
Snohomish$1,272.00$1,097.00$1,337.00$1,184.00$1,328.00
Spokane$1,078.00$922.00$1,135.00$1,006.00$1,136.00
Stevens$1,054.00$884.00$1,101.00$975.00$1,124.00
Thurston$1,096.00$942.00$1,150.00$1,021.00$1,151.00
Wahkiakum$1,084.00$924.00$1,138.00$1,007.00$1,142.00
Walla Walla$980.00$838.00$1,032.00$910.00$1,036.00
Whatcom$1,002.00$860.00$1,054.00$933.00$1,054.00
Whitman$964.00$818.00$1,014.00$890.00$1,023.00
Yakima$1,038.00$886.00$1,090.00$964.00$1,092.00

CheapCarInsurance.net Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums

West Virginia has consistent above-average premiums as a percentage of income. NAIC.org reported the state’s 2008 average at 2.13 percent and the nation’s at 1.57 percent. The national number for average premiums in 2008 was 789, just under the state’s average of 808. Those numbers have come down slightly in the last few years but remain above the national average.

Drunk Driving Fatalities

The National Highway Traffic Safety Administration saw a leveling-off in West Virginia’s drunk driving fatalities in 2012. Ending the year at 28 percent, the state had been at 21 percent 2 years prior. With a national average of 31 percent in 2012, the state is still below the nation’s drunk driving fatalities number. Fatalities dipped in 2013 but have since risen in 2014 to tie the national average.

Teen Drinking and Driving

West Virginia’s teens drink and drive less than teens across the nation, according to the Centers for Disease Control.

Vehicular Theft in West Virginia

Rising 6 points from 2011, West Virginia’s vehicle theft rate ended 2012 at 119. The FBI’s report indicated the state’s rate was well over 100 points below the national average in 2014.

LAWS & REGULATIONS

While not the most exciting reading in the world, West Virginia’s driving laws and regulations change so much they seem to always be new. So, all the important changes and necessary information for driving in the state are included in this one, short list.

West Virginia’s Minimum Requirements for Car Insurance

  • West Virginia Law (W.V.C. §17A and §17D) makes it mandatory for every vehicle to be covered with Liability Insurance.
  • Liability minimums in West Virginia:
    • $20,000 covers a person if he/she is injured or killed in an accident.
    • $40,000 covers an accident if there is more than one person injured or killed.
    • $10,000 covers property damage in an accident.

New Driver Licensing Requirements

  • According to the West Virginia Driver’s Handbook, every resident who wishes to drive a vehicle in the state has 30 days from residency to obtain a license. A valid license may be transferred from out-of-state with certain requirements. For new drivers under the age of 18, the Graduated Driver License (GDL) program is a 3-step process to train young drivers before awarding them a full license. The GDL includes the following elements.
  • Instruction Permit. Applicants who have reached age 15, passed the vision and written tests, acquired parental consent and submitted a school enrollment verification form may qualify for this permit. The restrictions and requirements include:
    • The applicant must have a licensed driver age 21 or older with him/her to be allowed to drive.
    • The applicant may drive only between 5am and 10pm.
    • Only 2 unrelated passengers are allowed in the vehicle when the permit holder is driving.
    • All occupants must wear a safety belt.
    • The applicant must maintain a clean driving record while holding the permit for 180 consecutive days.
  • Intermediate Driver’s License. Between the ages of 16 and 17, applicants may apply for the Intermediate Driver’s License. To do so, the following requirements and restrictions apply:
    • The driver must complete 50 hours of driving, or complete an approved driver education course.
    • The applicant needs to provide a School Driver Eligibility Certificate.
    • The driver may drive unsupervised between 5am and 10pm. If supervised, there is no driving time restriction.
    • For the first 6 months, the driver is limited to no unrelated passenger under the age of 20.
    • For the second 6 months, the driver is limited to one unrelated passenger under the age of 20.
  • Upon turning 17 and holding the Intermediate Driver’s License for 12 violation-free months, the applicant may obtain a Regular Driver’s License.
  • Vision Screening. Drivers must have a visual acuity of at least 20/40 with or without corrective lenses. Restrictions exist for drivers with differing visual acuities.
  • Knowledge Test. West Virginia’s Driver’s Handbook is the study material for the knowledge test, and the WVDMV has provided a sample test on their website.
  • Road Test. The vehicle used for the road test must be insured, registered and licensed. Only the test administrator is allowed in the vehicle with the applicant during the test. The administrator will have the applicant perform basic driving maneuvers to demonstrate that he/she is capable of safely and legally driving on the road.
  • Fees. All permits and licenses hold a $5 fee

DUI/DWI Laws

  • BAC limit: .08 For a concise list of DUI factors and penalties, refer to the WVDMV impaired driving brochure. The general penalties for DUI convictions in West Virginia are:
  • First Offense:
    • Jail: 6 months
    • License revocation: 90 days
    • Fine: $100 to $500
    • Ignition Interlock: possible 15 days
  • Second Offense:
    • Jail: 6 months to 1 year
    • License revocation: 12 months with interlock device
    • Fine: $1,000 to $3,000
  • Third Offense:
    • Jail: 1 to 3 years
    • License revocation: 12 months with interlock device
    • Fine: $3,000 to $5,000
  • Refusals receive these additional penalties:
    • Jail: 24 hours to 6 months
    • Fine: $100 to $500
    • License revocation: 1 year and 45 days with interlock device

Texting & Driving Laws

Distraction.gov reports that West Virginia prohibits the use of handheld cell phone devices and texting for all drivers. Novice drivers are prohibited from using hands-free cell phone devices as well.

Unique Laws

West Virginia holds some unusual laws on its books. For example, it is legal for road kill to be taken home for dinner. No one is permitted to own a black flag or a red flag. It is unlawful to whistle underwater, and no one may walk a lion, a leopard or a tiger in the city of Alderson!

RESOURCES

State Department of Insurance

West Virginia Insurance Commission
1124 Smith St.
Charleston, WV 25301
(304) 558-3386
www.wvinsurance.gov
Get Directions

Department of Transportation

West Virginia Department of Transportation
1900 Kanawha Blvd. E
Building 5
Charleston, WV 25305
(304)558-0444
www.transportation.wv.gov
Get Directions

Department of Motor Vehicles

West Virginia Department of Motor Vehicles
State Department of Transportation
5707 MacCorkle Ave., SE
Charleston, WV 25317
1-800-642-9066 (West Virginia residents only)
(304)-558-3900 (Out-of-state)
www.transportation.wv.gov/dmv
Get Directions

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