Cheap Auto Insurance for Good Drivers in West Virginia

You have most likely watched the captivating commercials from insurers like Progressive and Allstate guaranteeing huge savings, so drivers just need to pick the company with the best ad, right?

Regrettably, it’s not quite that easy, as there are a whole bunch of unknown factors such as if you own the home you live in, if you have ever had a coverage lapse, and how far you drive each year, that all influence how much you pay for auto insurance. We will try to cover the causes of high insurance rates and will hopefully give the reader a good beginning to your search for cheaper coverage.

Establishing which company has the most affordable car insurance rates for good drivers will require a tad more effort in order to find the best policy. Each auto insurance company has a proprietary formula for determining prices, so we’ll go over the lowest cost car insurance companies in West Virginia.

Cheapest Insurance Rates for Good Drivers

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Erie has some of the most affordable car insurance rates in West Virginia at around $940 each year. The Hartford, State Auto, Westfield, and USAA also make the cut as some of the most economical West Virginia auto insurance companies.

In the above example, if you are a policyholder with State Auto and switched to Erie, you may see an annual premium reduction of in the neighborhood of $326. Policyholders with Westfield could save as much as $335 a year, and USAA insureds might see rate reductions of $373 a year.

Be aware that those prices are averages across all types of insureds and vehicles and do not take into consideration a price decrease for good drivers. So the insurer that fits you best may not even be in the company chart above. That underscores the importance of why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

The vehicle requiring coverage is probably the biggest factor when consumers are trying to find cheap car insurance for good drivers in West Virginia. Vehicles with lower acceleration and performance, a plethora of safety features, or a positive history of liability claims will cost quite a bit less to insure than high performance models.

The next list showcases auto insurance prices for some of the most budget-friendly automobiles to buy coverage for.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Prices do not factor in specific location which can change coverage rates greatly.

Based upon these rates, you can conclude that vehicles like the Ford Escape, Honda Odyssey, Ford Edge, and Volkswagen Jetta are some of the cheaper vehicles to insure for safe drivers.

For safe drivers, one of the largest criteria that insurance companies take into consideration when calculating the cost of insurance is where you call home in West Virginia. Areas with more people or even just a higher incidence of claims like Elkins, Cross Lanes, and Beckley will most likely have higher rates, whereas areas that tend to be more rural benefit from lower prices.

The information below sorts the most expensive cities in West Virginia for good drivers to purchase auto insurance in.

Information shown are approximated as specific West Virginia zip code can affect coverage prices significantly.

Discounts on cheap car insurance for good drivers in West Virginia

Insurance providers that provide coverage for good drivers could also offer price discounts that could potentially reduce rates by 25% or more if you meet specific criteria. A list of car insurance companies and a partial list of their discounts are shown below.

The illustration below shows the difference between car insurance rates with and without policy discounts. The data assumes a male driver, no driving violations, no at-fault accidents, West Virginia state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with claim-free, passive restraint, vehicle safety, multiple vehicle, safe-driver, and anti-theft discounts applied. With discounts applied, the the average amount saved on car insurance for good drivers is 13% or $307.

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Reckless driving habits raise car insurance rates

The easiest way to maintain cheap car insurance for good drivers in West Virginia is to pay attention while driving and have a clean driving record. The illustration below illustrates how traffic citations and accidents impact car insurance rates for each age group. The information is based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2971,3667,4365],[‘Age 30’, 2065,2765,3461],[‘Age 40’, 1915,2613,3309],[‘Age 50’, 1677,2375,3071],[‘Age 60’, 1617,2317,3013],[‘Age 70’, 1879,2577,3277]]);var options = {title: ‘Accidents, Violations, and West Virginia Car Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in West Virginia’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the prior example, the average cost of car insurance in West Virginia per year with no accidents or violations is $2,021. Get two speeding tickets and the average cost hikes up to $2,719, an increase of $698 each year. Now throw in one accident along with the two speeding tickets and the yearly cost of car insurance for good drivers goes up to an average of $3,416. That’s an increase of $1,395, or $116 per month, just for being a careless driver!

State Farm, Progressive, Allstate, and Geico: Who is best?

If you’re looking for the cheapest car insurance for safe drivers in West Virginia, the first places to look would be State Farm, Progressive, Allstate, and Geico. Each company has slightly different options that shoppers can select from. The data below breaks down some of the different options and features that policyholders can buy.