Cheapest Auto Insurance for Infrequent Drivers in West Virginia

Performance level and cost of the vehicle to be insured is one of the main factors when trying to find the cheapest car insurance for infrequent drivers in West Virginia. Vehicles with economical engines, modern passenger safety features, or low incidents of liability claims will cost substantially less to insure than adrenaline junky models.

The tables below illustrates insurance costs for a selection of the cheaper automobiles to buy insurance for.

Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Prices do not factor in your specific West Virginia location which can revise prices considerably.

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Estimates do not factor in specific location which can decrease or increase insurance rates considerably.

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in zip code location which can influence prices greatly.

One of the key considerations used to calculate insurance cost is where you normally keep your vehicle. Cities with larger populations or higher claims like Beckley, Princeton, and Elkins likely pay more, whereas areas with less congestion benefit from lower coverage costs.

The illustration below displays the higher priced cities in West Virginia for infrequent drivers to buy an auto insurance policy in.

Premium costs are approximated as the garaging address in West Virginia can impact coverage prices noticeably.

Deciding which insurers offer the lowest-priced insurance rates for infrequent drivers calls for a little more effort in order to find the best policy.

Each company uses their own method to establish rates, so we’ll take a look at the insurance companies with the overall cheapest rates in West Virginia. It’s important that you understand West Virginia insurance rates are determined by lots of factors which can substantially decrease or increase your annual premium. Improving your credit rating, adding a teenager to your policy, or getting a couple of tickets can trigger price changes that can now make some companies more affordable than before.

Best Insurance Companies in West Virginia

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Erie normally has some of the best car insurance rates in West Virginia at around $940 each year. The Hartford, State Auto, Westfield, and USAA also are some of the more affordable West Virginia car insurance companies.

As shown above, if you currently have a policy with State Auto and switched to Erie, you might realize savings of roughly $289. West Virginia drivers with Westfield might save as much as $361 a year, and USAA customers might lower prices by up to $386 a year.

Bear in mind that those policy rates are averages for all drivers and vehicles and and are not calculated with a price decrease for infrequent drivers. So the insurer that fits your situation best may not even be shown in the list of companies shown earlier. That helps illustrate why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

Cost comparison with and without full coverage

Finding the cheapest car insurance for infrequent drivers in West Virginia should be important to the majority of drivers, and one common way to reduce the cost of insurance is to buy liability only. The illustration below illustrates the comparison of insurance premiums when comparing full coverage to liability only. The premiums are based on no claims or violations, $100 deductibles, drivers are not married, and no discounts are applied.

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As an overall average, comprehensive and collision coverage on your policy costs $2,868 per year over and above liability only. That touches on the question when is it a good idea to stop buying full coverage. There is no exact formula to exclude physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let’s assume your vehicle’s claim settlement value is $11,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $10,000 after paying your policy deductible. If it’s costing in excess of $1,000 annually for comprehensive and collision coverage, then it might be time to buy liability only.

There are some circumstances where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Careless driving habits raise West Virginia insurance rates

The common sense way to score the cheapest car insurance for infrequent drivers in West Virginia is to drive attentively and not have accidents or get tickets. The diagram below shows how speeding tickets and at-fault collisions can influence annual premium costs for each different age group. The price estimates are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

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In the chart above, the average cost of a car insurance policy per year with a clean driving record and no accidents is $2,104. Get one speeding ticket and the average cost rises to $2,368, an increase of $264 each year. Now include one accident along with the one speeding ticket and the annual cost of insurance for infrequent drivers jumps again to an average of $3,116. That’s an increase of $1,011, or $84 per month, just for not being attentive to the road!

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

When buying car insurance for low mileage drivers in West Virginia, probably the best companies to start with are Allstate, Geico, Progressive, and State Farm. The table below points out price, claims, and customer service ratings, as well as some optional coverages that are available from each company.