Cheapest Car Insurance Quotes for First-time Drivers in West Virginia

Finding out which companies quote the most affordable auto insurance rates for first-time drivers will take a little more work in order to find the most economical policy.

Each company has their own process to set policy rates, so we’ll go over the lowest cost auto insurance companies in West Virginia. It’s a good idea to be aware that West Virginia auto insurance rates are influenced by many factors which can substantially change the price of coverage. Simply having another birthday, marrying your spouse, or getting a driving violation may cause policy rate changes that can now make some companies cheaper than competitors.

Best Cheap Insurance Rates for Inexperienced Drivers

Click to Compare Rates Now

Erie may have some of the cheapest car insurance rates in West Virginia at around $904 annually. The Hartford, State Auto, Westfield, and USAA also are some of the cheaper West Virginia auto insurance companies.

In this example, if you buy coverage from Westfield and switched to Erie, you could see annual savings of in the vicinity of $358. Insureds with USAA may save as much as $409 a year, and State Farm insureds might see rate reductions of $589 a year.

Be aware that those policy rates are averages across all types of drivers and the different vehicles they drive and and are not figured with a rate increase for first-time drivers. So the company that fits your needs best may not even be featured in the chart above. That emphasizes why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

The safety and performance level of the vehicle that is being insured is probably the largest consideration that determines whether or not you find the cheapest car insurance for first-time drivers. Vehicles with high performance features, a lack of safety features, or an increased likelihood of liability claims will cost significantly more to insure than more economical and safe models. The data below presents coverage rates for the most affordable automobiles to insure in West Virginia.

Data variables include single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and West Virginia minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can revise insurance rates substantially.

Data based on single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and West Virginia minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in specific zip code location which can affect coverage prices greatly.

Prices above based on single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and West Virginia minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in zip code location which can change premium rates substantially.

One of the key factors that help determine the amount you pay each year for auto insurance is where your car is garaged. Regions with more people or even just more weather-related claims like Beckley, Elkins, and Bluefield tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates profit from lower rates.

The table below sorts the most expensive cities in West Virginia for first-time drivers to buy an auto insurance policy in.

Premium amounts are approximated as the vehicle garaging location can influence rates significantly.

Get discount West Virginia auto insurance rates

Auto insurance companies that offer the cheapest auto insurance for first-time drivers in West Virginia could also offer discounts that could lower prices by as much as 35% or more if you meet specific eligibility requirements. Popular auto insurance companies and a summarized list of policyholder discounts can be read below.

The chart below visualizes the comparison of insurance rates with and without discounts applied to the premium. The rates are based on a female driver, no violations or accidents, West Virginia state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with paid-in-full, vehicle safety, continuous coverage, paperless filing, good student, and passive restraint discounts applied. When drivers qualify for the discounts, the the average yearly reduction on auto insurance for first-time drivers is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 17’, 3675,2625],[‘Age 30’, 1479,1071],[‘Age 40’, 1387,1003],[‘Age 50’, 1213,877],[‘Age 60’, 1173,849]]);var options = {title: ‘Insurance Rate Comparison with Discounts for First-time Drivers’,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);}

Cheapest insurance quotes for new drivers

Drivers have many ways to get affordable auto insurance quotes in West Virginia, but the most common are through an exclusive insurance agency such as Auto-Owners or State Farm, an independent or non-exclusive agent, or direct online or over the phone from a company like Geico or Progressive. Each way is similar, but buyers should know the differences in how they function.

Independent agencies have contracts with many companies and can get rate quotes from each one. Agents of this type are not required to write business for one company and can give you a larger rate selection, which may give you improved chances of finding a lower rate. If premiums increase, they can switch companies in-house without having to get a different agent.

Exclusive agents are only able to write business for just one company, two popular examples being Farmers Insurance or State Farm agents. These agents are unable to compare other company’s rates, so you will not be able to compare their rates to other companies.

The last way is buying direct, which means you skip the middleman (the agent) and instead shop direct either online or via phone. This option is a good choice for families who have little risk and have a good understanding of how auto insurance works and possible exclusions.

So which way is best for finding the cheapest auto insurance for first-time drivers in West Virginia? Most people would assume that buying direct saves the most money because you bypass the middleman, but in reality, that is not the case. It would also be easy to say an independent agency results in the cheapest rates because they can quote many companies, but again, that’s not accurate. For the right applicant, the exclusive agents have really good rates that are the cheapest in West Virginia.

Because it’s impossible to say who has the best auto insurance rates, really the only way to ensure you are not overpaying for auto insurance is to compare rate quotes from as many companies as possible. It’s recommended that drivers get price quotes from independent, exclusive, and direct to have a good selection of rates to choose from. To see some of the cheapest online companies available, click here to view.

How to find economical insurance for first-time drivers

Lowering your rates is not difficult, and here are many money-saving solutions that can help drivers quote cheap car insurance.

• Avoid having at-fault accidents
• Buy a vehicle with excellent safety ratings
• Clean up your credit rating
• Earn discounts for being claim-free
• Serious violations like DUI or careless driving can make car insurance unaffordable
• Shop your coverage around for the best deal

The final tip is extremely crucial, as was stressed in the prior information. Rates fluctuate constantly, so drivers shouldn’t hesitate to switch carriers if a more affordable price is available. Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that inflexibility results in costing you hundreds of dollars a year. In less than five minutes you could compare prices to find cheaper auto insurance for first-time drivers.