Average car insurance cost in West Virginia (2026)
Drivers in West Virginia pay an average of $157 a month for full coverage and $83 a month for liability only.
Full coverage / month
$157
Liability only / month
$83
Full coverage / year
$1,884
Liability only / year
$996
Cost rank
#27 of 51
1 = most expensive. Tied with Kansas and Oregon. Liability-only rank: #30.
Averages are a starting point. Estimate your cost in West Virginia
How West Virginia compares
The full-coverage average of $157 is 10% below the average across states ($174), and the liability-only average of $83 is 15% below the average across states ($98). West Virginia is mid-table: 26 of the 51 places in our table have a higher full-coverage average. That is $144 a month below Maryland, the highest, and $72 above New Hampshire, the lowest.
Full coverage vs liability only in West Virginia
Full coverage costs $74 more per month than liability only in West Virginia, or $888 more per year. That gap is narrower than the $77 average gap across states. Whether the extra cost makes sense depends on your car's value and any loan or lease terms. See our guide to choosing between full coverage and liability only.
States with similar prices
The five places closest to West Virginia by full-coverage average:
| State | Full / month | Liability / month | Difference |
|---|---|---|---|
| Kansas | $157 | $79 | $0 |
| Oregon | $157 | $91 | $0 |
| Pennsylvania | $161 | $90 | +$4 |
| South Dakota | $152 | $62 | -$5 |
| Illinois | $163 | $84 | +$6 |
How a profile could change the estimate
These figures apply our illustrative multipliers to the West Virginia averages. They show direction and rough scale only, and they are not any insurer's prices. For background, read what affects car insurance rates.
| Example profile | Full | Liability |
|---|---|---|
| Age 35-54, clean record, good credit, sedan, mid mileage (the baseline) | $157 | $83 |
| Same driver, age 20-24 | $228 | $120 |
| Same driver, one ticket | $192 | $101 |
| Same driver, one at-fault accident | $223 | $118 |
| Same driver, sports car | $204 | $108 |
Frequently asked questions
How much does car insurance cost in West Virginia?
The average in West Virginia is $157 a month ($1,884 a year) for full coverage and $83 a month ($996 a year) for liability only, based on Insurify figures for November 2026. Your own price may be higher or lower.
Is car insurance in West Virginia expensive compared with other states?
West Virginia ranks 27th highest of the 50 states and D.C. for full coverage (tied with Kansas and Oregon). Its full-coverage average is 10% below the average across states of $174 a month.
How much more does full coverage cost than liability only in West Virginia?
On average, full coverage costs $74 more per month in West Virginia, or $888 more per year. That is 89% more than the liability-only average.
How much could an at-fault accident change an estimate in West Virginia?
With our illustrative 1.42 factor, a baseline full-coverage estimate in West Virginia rises from $157 to about $223 a month, or about $66 more. This is a simplified estimate, not an insurer's price.
Source: Insurify state averages, November 2026. Figures are monthly averages and individual prices vary. "Average across states" is the simple mean of the 51 figures in our table. See our methodology.