West Virginia Auto Insurance Rates
Median premium: $472/6mo across 10 carriers and 851 ZIP codes.
Premiums range from $472 to $3,519 — a 7.5x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$472
per 6 months
ZIP Codes
851
with rate data
Carriers
10
rated in WV
Price Spread
7.5x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | USAA | $306 | 851 ZIPs | 100% | |
| 2 | Erie Insurance | $361 | 0 ZIPs | 0% | |
| 3 | State Farm | $425 | 0 ZIPs | 0% | |
| 4 | Farmers | $459 | 0 ZIPs | 0% | |
| 5 | Nationwide | $468 | 0 ZIPs | 0% | |
| 6 | Travelers | $476 | 0 ZIPs | 0% | |
| 7 | Progressive | $488 | 0 ZIPs | 0% | |
| 8 | Liberty Mutual | $489 | 0 ZIPs | 0% | |
| 9 | Allstate | $552 | 0 ZIPs | 0% | |
| 10 | GEICO | $880 | 0 ZIPs | 0% |
1
$306USAA#1 in 851 ZIPs (100%)
2
$361Erie Insurance#1 in 0 ZIPs (0%)
3
$425State Farm#1 in 0 ZIPs (0%)
4
$459Farmers#1 in 0 ZIPs (0%)
5
$468Nationwide#1 in 0 ZIPs (0%)
6
$476Travelers#1 in 0 ZIPs (0%)
7
$488Progressive#1 in 0 ZIPs (0%)
8
$489Liberty Mutual#1 in 0 ZIPs (0%)
9
$552Allstate#1 in 0 ZIPs (0%)
10
$880GEICO#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in West Virginia
| City | Avg Median | ZIPs |
|---|---|---|
| Beeson | $472 | 1 |
| Bud | $472 | 1 |
| Covel | $472 | 1 |
| Herndon | $472 | 1 |
| Hiawatha | $472 | 1 |
Most Expensive Cities in West Virginia
| City | Avg Median | ZIPs |
|---|---|---|
| Vienna | $1,887 | 1 |
| Dunbar | $1,887 | 1 |
| Paden City | $1,698 | 1 |
| Wheeling | $1,698 | 1 |
| Ranson | $1,698 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$1,887/6mo
26506 (Morgantown)
Cheapest ZIP
$472/6mo
24714 (Beeson)
7.5x
Price Spread
The most expensive ZIP in West Virginia costs 7.5x more than the cheapest. Your ZIP code matters more than you think.
West Virginia Auto Insurance FAQ
ZIP Code Lookup
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All carriers in West Virginia
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Access ZIP-level rate data across all 10 carriers, 851 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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