Who Has Cheap Auto Insurance for Low Credit Scores in West Virginia?

The make and model of vehicle that is being insured is probably the biggest factor when comparing cheap auto insurance for low credit scores in West Virginia. Vehicles with lots of horsepower, a lack of safety features, or high incidents of liability claims will cost much more to insure than safer, lower-performance models.

The tables below illustrates car insurance prices for a number of the most affordable vehicles to buy coverage for.

Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and West Virginia minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rates do not factor in specific West Virginia garaging location which can lower or raise insurance rates significantly.

Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and West Virginia minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rates do not factor in specific zip code location which can modify prices considerably.

Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in vehicle location which can alter prices considerably.

Deciphering which companies quote the lowest-priced insurance rates for low credit scores may require a little more effort than just getting one or two price quotes. Each insurance company has their own formula for determining rates, so let’s take a look at the insurance companies that tend to be cheaper in West Virginia.

Keep in mind that West Virginia insurance rates are impacted by many things that control the price you have to pay for coverage. Simply having a birthday, moving to a different location, or having an at-fault accident can trigger changes in premium resulting in some rates now being more affordable than before.

Best Cheap Insurance Rates in West Virginia

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google.charts.setOnLoadCallback(drawWVT5qcibChart);function drawWVT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Erie’, 931, ‘#F07050’], [‘The Hartford’, 1029, ‘#C85D42’], [‘State Auto’, 1229, ‘#A64D37’], [‘Westfield’, 1262, ‘#8A402D’], [‘USAA’, 1274, ‘#733525’]]);var options = {title: ‘Low-Priced Auto Insurance Companies in West Virginia’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1374,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

Erie offers some of the lowest car insurance rates in West Virginia at around $931 each year. The Hartford, State Auto, Westfield, and USAA would also be considered some of the most economical West Virginia auto insurance companies.

In this example, if you have coverage with The Hartford and switched to Erie, you may see yearly savings of approxmiately $98. Insureds with State Auto may save as much as $298 a year, and Westfield customers might lower prices by $331 a year.

To get a fast rate comparison, click here to start a quote or quote rates from the companies below.

Be aware that those premium estimates are averages across all drivers and vehicles in West Virginia and and are not calculated with a price decrease for low credit scores. So the car insurance company that fits your situation best may not even be in the rate chart shown above. That illustrates why you need to get rate quotes from many companies using your own personal information and vehicle type.

Do you need full coverage?

Finding cheap auto insurance for low credit scores in West Virginia is probably important to most drivers, and one of the quickest ways to find cheap insurance is to only buy liability insurance. The diagram below illustrates the difference between auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no tickets, no at-fault accidents, $250 deductibles, single marital status, and no discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 4495,1469],[‘Age 30’, 2333,805],[‘Age 40’, 2303,745],[‘Age 50’, 2095,697],[‘Age 60’, 2029,685],[‘Age 70’, 2471,917]]);var options = {title: ‘Full Coverage Rates Compared to Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in West Virginia’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If we average the cost for all age groups, physical damage coverage on your policy costs an extra $2,621 per year more than just buying liability only. Many drivers will wonder if buying full coverage is worth the expense. There is no definitive rule that is best for determining when to drop comp and collision coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

There are a few situations where buying only liability insurance is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not buy liability only.

Is Progressive, Allstate, State Farm, or Geico cheaper?

If you are looking for the best car insurance, four companies you’ll want quotes from are Progressive, Allstate, State Farm, and Geico. The next table compares some of the different options and features you can buy with each company.