How Much are Car Insurance Quotes for Inexperienced Drivers in West Virginia?

Wouldn’t life be so easy if we could magically tell you the single best company that has the best auto insurance prices for inexperienced drivers? It’s not that simple, unfortunately, as there are a whole bunch of unknown elements like how much you actually drive in a year, whether you want full coverage, and your financial stability, that help determine the price you have to pay. In this article, we will teach you about the different scenarios that increase car insurance cost and hopefully give you enough understanding to have a good start to your coverage search.

One of the more important components that help determine the price of your policy is where you choose to live in West Virginia. Areas with more people or higher crime rates like Beckley, Cross Lanes, and Bluefield likely pay more, whereas areas with less congestion benefit from lower coverage costs.

The next table illustrates the most costly cities in West Virginia for inexperienced drivers to buy car insurance in.

Rates are approximated as the vehicle garaging location can influence auto insurance rates significantly.

The type of vehicle needing coverage is one of the main factors when trying to find cheap car insurance for inexperienced drivers in West Virginia. Vehicles with high performance, poor crash test ratings, or a history of substantial liability claims will cost much more to insure than safer, lower-performance models. The next list estimates coverage prices for the more afforable vehicles to buy coverage for.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and West Virginia minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Prices do not factor in specific location information which can affect coverage rates greatly.

Looking at the rates, vehicles like the Chevrolet Traverse, Ford Escape, Honda CR-V, and Hyundai Tucson are a few of the less-costly vehicles to insure for new drivers.

Trying to find low-cost car insurance is not easy, and figuring out which companies have the most affordable car insurance rates for inexperienced drivers takes even more shopping around.

Each auto insurer has a different formula for determining prices, so we’ll take a look at the car insurance companies that tend to have lower prices in West Virginia. We do need to point out that West Virginia car insurance rates are calculated based on many things that can increase the cost of coverage. Getting older, having a claim, or getting a couple of tickets can trigger changes in premium resulting in some rates now being more expensive than competitors.

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Erie quotes some of the cheapest car insurance rates in West Virginia at around $913 per year. The Hartford, State Auto, Westfield, and USAA also are some of the cheaper West Virginia car insurance companies.

As the rates illustrate above, if you currently buy coverage from The Hartford and switched to Erie, you could see an annual premium reduction of around $116. Customers with State Auto could save as much as $340 a year, and Westfield policyholders might cut rates by $349 a year.

These policy prices are averages for all insureds and vehicles and are not factoring in a rate discount for inexperienced drivers. So the insurer that fits your age and vehicle best may not even be included in the company chart above. That emphasizes why you need to get car insurance quotes using your own personal information and vehicle type.

Discount West Virginia insurance

Insurance providers that sell cheap car insurance for inexperienced drivers in West Virginia may also offer special discounts that can reduce rates by 40% or more if you are eligible for them. A few popular companies and some of the premium reductions they offer are included below.

The chart below shows the comparison of annual premium costs with and without policy discounts. The data is based on a female driver, no violations or claims, West Virginia state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with marriage, accident-free, safe-driver, anti-theft, claim-free, and passive restraint discounts applied. When discounts are applied, the average savings per year on car insurance for inexperienced drivers is 15% or $110.

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Best rates: Geico, Progressive, State Farm, or Allstate

When it comes to buying car insurance for new drivers in West Virginia, the companies with the most market share are Geico, Progressive, State Farm, and Allstate. All of them offer physical damage and liability coverage, but each has a distict selection of optional coverages and features that may influence which company you choose. The next table breaks down some of the different options and features shoppers can expect to find with each one.

How to find cheaper auto insurance for inexperienced drivers

Here are some of the recommended thrifty solutions that can help West Virginia drivers locate more affordable car insurance.

• Avoid preventable accidents
• Try to not file small claims
• Save money by bundling your home and auto policies
• On older vehicles, drop full coverage
• Do not get tickets
• Lower rates by purchasing a safer vehicle
• Keep rates low by comparing prices once a year

That last piece of advice is incredibly vital, as we hit on in this write-up. Auto insurance prices can be changed at any time, so you should be ready to buy a policy from a new company if you can save money.

We understand brand loyalty, but we do not recommend it if that devotedness results in you overpaying a wad of cash every year. In just a few minutes you could compare rates and find cheaper car insurance for inexperienced drivers.