When the topic is auto insurance, the word affordable really shouldn’t be used anywhere in the article to describe car insurance prices. Be that as it may, cheap auto insurance for teenagers is not easy to find. But fear not, because we are going to show you how you can still get car insurance that is easier on your budget.
Determining which companies offer the cheapest insurance rates for teenagers will take a tad more effort in order to find the lowest price. Every auto insurer uses a little different formula for determining rates in each state, so to begin we’ll rank the most budget-friendly insurance companies in West Virginia.
Find Cheaper Auto Insurance for Teens
Rank | Company | Cost Per Year |
---|---|---|
1 | Erie | $931 |
2 | The Hartford | $1,029 |
3 | State Auto | $1,253 |
4 | Westfield | $1,262 |
5 | USAA | $1,313 |
6 | State Farm | $1,508 |
7 | Progressive | $1,539 |
8 | Nationwide | $1,598 |
9 | Encompass | $1,636 |
10 | GEICO | $1,693 |
11 | Motorists Mutual | $1,750 |
12 | Safeco | $1,821 |
13 | California Casualty | $1,842 |
14 | Allstate | $2,299 |
15 | Liberty Mutual | $3,308 |
16 | Sentry | $3,845 |
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Erie offers some of the cheapest car insurance rates in West Virginia at around $931 annually. The Hartford, State Auto, Westfield, and USAA would also make the list of some of the best West Virginia insurance companies.
As the rates illustrate above, if you are a customer of USAA and switched to The Hartford, you may realize an annual savings of around $284. Insureds with State Farm could save as much as $479 a year, and Progressive customers might cut rates by $510 a year.
To get a fast rate comparison, click here to get a free quote or visit any of the low-priced companies below.
Be aware that those rates are averaged across all insureds and vehicles and are not factoring in a price increase for teenagers. So the car insurance company that fits your age and vehicle best may not even be included in the company chart above. That points out the importance of why you need to compare prices as often as possible using your own individual information.
For West Virginia drivers, one of the factors that affect the price of your policy is the neighborhood you call home in West Virginia. Areas with increased crime or more people like Beckley, Elkins, and St. Albans tend to have higher rates, whereas areas with less congestion profit from lower rates.
The table below ranks the more expensive cities in West Virginia for teenagers to buy car insurance in.
Rank | City | Premium Per Year |
---|---|---|
1 | Beckley | $1,406 |
2 | Oak Hill | $1,376 |
3 | Elkins | $1,374 |
4 | Cross Lanes | $1,367 |
5 | St. Albans | $1,363 |
6 | Princeton | $1,356 |
7 | Huntington | $1,352 |
8 | Bluefield | $1,350 |
9 | South Charleston | $1,350 |
10 | Parkersburg | $1,342 |
11 | Vienna | $1,336 |
12 | Teays Valley | $1,335 |
13 | Nitro | $1,325 |
14 | Dunbar | $1,324 |
15 | Pea Ridge | $1,322 |
16 | Fairmont | $1,302 |
17 | Bridgeport | $1,299 |
18 | Charleston | $1,298 |
19 | Morgantown | $1,280 |
20 | Moundsville | $1,276 |
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Information shown are estimated as the garaging address in West Virginia can alter price quotes significantly.
We all have different tastes in cars, and the vehicle needing coverage is one of the largest considerations when consumers are trying to find economical coverage for teenagers. Vehicles with limited speed and performance, excellent safety ratings, or a low likelihood of liability claims will cost substantially less to insure than higher performance models.
The lists below features insurance costs for a handful of the most economical vehicles to buy insurance for.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Malibu Hybrid | $5,006 | $2,503 | $417 |
Ford Focus SE 2-Dr Coupe | $5,690 | $2,845 | $474 |
Ford Fusion Sport 4-Dr Sedan | $5,354 | $2,677 | $446 |
Honda Accord LX 4-Dr Sedan | $4,216 | $2,108 | $351 |
Hyundai Elantra Blue 4-Dr Sedan | $5,258 | $2,629 | $438 |
Hyundai Sonata GLS 4-Dr Sedan | $5,390 | $2,695 | $449 |
Nissan Altima 2.5 4-Dr Sedan | $5,006 | $2,503 | $417 |
Toyota Corolla LE | $5,306 | $2,653 | $442 |
Volkswagen Jetta 2.0T Station Wagon | $4,914 | $2,457 | $410 |
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Premium data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in vehicle garaging location which can impact premiums considerably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Buick Enclave XL 2WD | $5,354 | $2,677 | $446 |
Chevrolet Suburban LTZ 4WD | $5,402 | $2,701 | $450 |
Chevrolet Traverse LTZ AWD | $4,614 | $2,307 | $385 |
Ford Escape Limited 2WD | $4,264 | $2,132 | $355 |
Ford Explorer Limited 2WD | $5,054 | $2,527 | $421 |
GMC Acadia SL AWD | $4,704 | $2,352 | $392 |
Honda CR-V EX 4WD | $4,264 | $2,132 | $355 |
Honda Fit | $3,958 | $1,979 | $330 |
Honda Pilot LX 2WD | $4,704 | $2,352 | $392 |
Jeep Grand Cherokee Laredo 4WD | $5,006 | $2,503 | $417 |
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $5,492 | $2,746 | $458 |
Lexus RX 350 2WD | $6,088 | $3,044 | $507 |
Nissan Pathfinder LE 4WD | $5,054 | $2,527 | $421 |
Toyota Highlander Hybrid Limited 4WD | $5,402 | $2,701 | $450 |
Toyota RAV4 2WD | $5,006 | $2,503 | $417 |
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Premium data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in specific location information which can change rates noticeably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Colorado LT Extended Cab 2WD | $4,958 | $2,479 | $413 |
Chevrolet Silverado LT Regular Cab 2WD | $5,390 | $2,695 | $449 |
Dodge Ram Quad Cab Laramie 2WD | $5,786 | $2,893 | $482 |
Ford F-150 Lariat Crew Cab Platinum 2WD | $5,354 | $2,677 | $446 |
Ford F-350 XLT Crew Cab Lariat 2WD | $5,450 | $2,725 | $454 |
GMC Canyon SLT Ext Cab 2WD | $5,006 | $2,503 | $417 |
GMC Sierra 2500HD SLE Extended Cab 2WD | $6,040 | $3,020 | $503 |
GMC Sierra SLE Crew Cab 4WD | $5,354 | $2,677 | $446 |
Toyota Tacoma Double Cab 4WD | $5,054 | $2,527 | $421 |
Toyota Tundra Regular Cab 4WD | $5,438 | $2,719 | $453 |
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Premium data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in West Virginia location which can raise or lower price quotes noticeably.
If you want reliable auto insurance for teen drivers in West Virginia, some of the largest companies to start with are State Farm, Progressive, Allstate, and Geico. All of them have a little bit different set of discounts and options that you can select from. The data below breaks down some of the different options and features that are available from each company.
State Farm | Progressive | Allstate | Geico | |
---|---|---|---|---|
Claims Rank | 2nd | 4th | 1st | 3rd |
Customer Satisfaction | 4th | 3rd | 2nd | 1st |
Overall Cost | 2nd | 3rd | 4th | 1st |
Discounts Available | 3rd | 4th | 1st | 2nd |
Recommend by customers | 88% | 88% | 86% | 87% |
Coverage for Uber and Lyft drivers | Yes | Yes | Yes | Yes |
New car replacement coverage | No | No | Yes | No |
Accident forgiveness coverage | No | Yes | Yes | Yes |
Rate for vehicle usage | Yes | Yes | Yes | No |
Breakdown insurance | No | Yes | No | Yes |
Emergency roadside service | Yes | Yes | Yes | Yes |
Where to buy | Only from State Farm agents | Buy online or from an independent agent | Can only buy from Allstate agents | From a Geico agent or online |
Number of agents | 18,000+ | 30,000+ | 11,000+ | 150+ |
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