Full Coverage Car Insurance in West Virginia
Numbers refreshed
The West Virginia averages determine the price when you combine liability, collision and non-collision damage coverage.
- Full coverage averages $114 a month.
- Minimum liability limits are 25/50/25.
- 32nd of 51.by price. The most expensive state ranks 1st.
In West Virginia, what does full coverage cost?
Full coverage combines liability with collision and protection for damage from events other than collisions. Those two parts add $800 a year in West Virginia, on top of a liability average of $567.
| Coverage in West Virginia | Per year | Per month |
|---|---|---|
| Liability | $567 | $47 |
| Collision | $441 | $37 |
| Comprehensive | $359 | $30 |
| Full coverage (all three) | $1,367 | $114 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The point where full coverage stops paying for itself
If you still owe money on the car, lenders and lease companies require full coverage.
With the car paid off, weigh its value against the $800 a year that the extra cover costs. Usually, liability only makes more sense when a single bad year of premiums would pay for most of the car.
West Virginia full coverage by car
These estimates come from IIHS-HLDI loss results and cover an adult whose record is clean. Of the 40 models we price, here are the cheapest and the most expensive:
| Car | Per year | Per month |
|---|---|---|
| Honda CR-V | $886 | $74 |
| Honda Pilot | $902 | $75 |
| Subaru Outback | $965 | $80 |
| Toyota RAV4 | $1,011 | $84 |
| Mercedes-Benz C-Class | $1,903 | $159 |
| Chevrolet Camaro | $2,266 | $189 |
| Dodge Charger | $2,370 | $197 |
| Dodge Challenger | $2,575 | $215 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
First written