Cheapest Car Insurance Quotes for Drivers Requiring a SR22 in West Virginia

Determining which insurers offer the lowest-priced car insurance rates for drivers requiring a SR22 calls for a little more sweat in order to find the lowest price quote. Each auto insurance company has a different formula for determining rates in each state, so we’ll go over the car insurance companies that tend to have lower prices in West Virginia.

It’s important to understand that West Virginia car insurance rates are impacted by many things that can increase the price you have to pay for coverage. Simply getting older, marrying your spouse, or getting a couple of tickets can cause premium changes that may make certain companies much cheaper than others.

Best Cheap Insurance Rates for SR22 Drivers

Click to Compare Rates Now

Erie may have some of the lowest car insurance rates in West Virginia at around $931 per year. The Hartford, State Auto, USAA, and Westfield would also make the list of some of the most economical West Virginia auto insurance companies.

As shown above, if you are a policyholder with Westfield and switched to The Hartford, you may see savings of around $285. West Virginia drivers with Progressive might save as much as $450 a year, and Nationwide insureds might lower prices by $522 a year.

To find out how much you can save, click here to start a quote or click several companies below for low rates.

Bear in mind that those prices are averages across all types of drivers and the different vehicles they drive and do not take into consideration a rate surcharge for drivers requiring a SR22. So the insurer that fits your situation best may not even be in the above list. That illustrates why you need to get rate quotes using your own individual information.

Performance level and cost of the vehicle you are seeking coverage for is probably the most important factor when looking for the lowest-priced car insurance for drivers requiring a SR22. Vehicles with higher performance characteristics, a lack of safety features, or a history of substantial liability claims will cost much more to insure than safer models. The tables below illustrates insurance prices for a selection of the most cost-effective vehicles to insure.

Data variables include married female driver age 40, two speeding tickets, two at-fault accidents, $1000 deductibles, and West Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Estimates do not factor in specific location information which can increase or decrease premium rates substantially.

Data rating is based on married female driver age 40, two speeding tickets, two at-fault accidents, $1000 deductibles, and West Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in vehicle location which can impact coverage rates considerably.

Table data represents married female driver age 40, two speeding tickets, two at-fault accidents, $1000 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Prices do not factor in garaging location in West Virginia which can change insurance rates considerably.

Get discounts on West Virginia auto insurance rates

Insurance companies that sell the cheapest auto insurance for drivers requiring a SR22 in West Virginia may also give you price discounts that can reduce rates by as much as 35% if you meet eligibility requirements. A list of car insurance companies and their offered discounts are outlined below.

The chart below shows the difference between annual premium costs with and without discounts being applied to the rates. The prices are based on a female driver, three citations and two at-fault accidents, West Virginia state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with passive restraint, homeowner, multiple policy, paperless filing, vehicle safety, and multiple vehicle discounts applied. When these discounts are applied, the average savings per year on car insurance for drivers requiring a SR22 is 35% or $799.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 5255,3747],[‘Age 30’, 4537,3241],[‘Age 40’, 4445,3171],[‘Age 50’, 4271,3045],[‘Age 60’, 4233,3017],[‘Age 70’, 4447,3171]]);var options = {title: ‘Effect of Discounts on Insurance Price for Drivers Requiring a SR22’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Find the cheapest auto insurance for drivers requiring a SR22 in West Virginia

The list below shows some of the recommended money-saving suggestions that can help West Virginia drivers locate low-cost car insurance.

• Remove physical damage coverage on older vehicles
• Do not get into accidents that are your fault
• Tickets and violations raise rates
• Raise your physical damage coverage deductibles
• If possible, pay for small claims out-of-pocket
• Compare price quotes at least once a year

That last piece of advice is incredibly vital, as was discussed in this article. Prices charged by car insurance companies in West Virginia can change significantly in a year, so drivers shouldn’t be reluctant to buy a different policy if you find a better deal. Having brand loyalty is commendable, but it’s not recommended if your bullheadedness ends up costing you big bucks every year. Take a couple minutes and compare rates and find cheaper insurance for drivers requiring a SR22.

Cheap insurance quotes for high risk drivers

Drivers have a lot of ways to compare car insurance prices in West Virginia, but the three most common are from a non-exclusive or independent agent, an exlusive agent such as Allstate or State Farm, or direct either online or via phone.

Each way is similar, but car insurance buyers need to understand the differences in how they give price quotes.

Independent agencies are appointed by several companies and can quote your policy with each one. Agents of this type can get prices from more than one company, which may give you a better overall rate comparison. If premiums increase, the agent simply finds a different carrier which prevents you from having to find a new agency.

A captive or exclusive agent is only able to quote your policy with a single insurance company, for example State Farm and Auto-Owners agents. They are unable to provide rates from more than one company, so drivers will want to get other quotes as well.

The final way is buying direct, which means you skip a local insurance agent and buy direct either online or via phone. Buying car insurance direct can be good for consumers who have little risk and have an above average understanding of the limitations of car insurance.

Which method works best to buy the cheapest auto insurance for drivers requiring a SR22 in West Virginia? We’d like to tell you buying from a direct company yields the cheapest rates since there isn’t an agent involved, but that is not always the case. An argument could also be made that an independent agent is the best way to go due to more options, but that assumption is not true either. And occasionally, the exclusive agents have very competitive rates that are impossible to beat.

Due to that fact that car insurance uses so many rating variables, the only true way to buy the cheapest policy is to obtain price quotes and compare them. If you want to save money, get price quotes from independent, exclusive, and direct in order to have the best selection to choose from. For a list of companies with cheap rates in West Virginia, click here to view.