Cheap Car Insurance Quotes for High Mileage Drivers in West Virginia

Deciding which company offers the most affordable car insurance rates for high mileage drivers will involve a tad more effort than just getting one or two price quotes. Each auto insurer has their own process for setting rates, so let’s examine the lowest cost car insurance companies in West Virginia.

Keep in mind that West Virginia car insurance rates are impacted by many factors that will increase or decrease the price you have to pay for coverage. Simply having a birthday, marrying your spouse, or having an accident can cause premium changes that can make some companies cheaper than before.

Best Car Insurance Prices in West Virginia

Compare Rates Today

Erie has some of the cheapest car insurance rates in West Virginia at around $904 a year. The Hartford, State Auto, Westfield, and USAA also qualify as some of the lowest-priced West Virginia insurance companies.

In this example, if you buy coverage from Westfield and switched to The Hartford, you may realize annual savings of roughly $202. West Virginia drivers with USAA might save as much as $214 a year, and Progressive customers might lower prices by $479 a year.

To compare your rates to other West Virginia insurance companies, click here to start your custom quote or feel free to get quotes from the companies below.

Remember that these rates are averages for all insureds and vehicles and do not take into consideration a price discount for high mileage drivers. So the insurer that is best suited for you may not even be featured in the above list. That illustrates why you need to get auto insurance quotes using your own specific driver information and vehicle.

The vehicle model driven is a large factor when comparison shopping for the lowest-priced coverage for high mileage drivers. Vehicles with lots of horsepower, poor safety ratings, or a track record of large liability claims will cost more to insure than safer models.

The lists below shows insurance prices for a selection of the cheaper vehicles to insure in West Virginia.

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in West Virginia location which can impact coverage prices considerably.

Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rate information does not factor in zip code location which can increase or decrease price quotes greatly.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Table data does not factor in specific West Virginia garaging location which can impact coverage rates noticeably.

When shopping for the cheapest insurance for high mileage drivers, one of the many considerations used to establish insurance cost is the neighborhood you call home in West Virginia. Areas that are densely populated or have higher claim frequency like Elkins, Bluefield, and Princeton tend to have higher rates, whereas cities that are not as densely populated get the luxury of paying less.

The table below sorts the highest-priced areas in West Virginia for high mileage drivers to buy auto insurance in.

Premium amounts are comparative as the vehicle garaging location can revise prices noticeably.

Should you buy full coverage?

Finding cheap auto insurance for high mileage drivers in West Virginia is important to most drivers, and one of the easiest ways to reduce the cost of insurance is to not buy full coverage. The diagram below visualizes the comparison of insurance costs with full physical damage coverage compared to only buying liability only. The information is based on no claims or violations, $100 deductibles, single status, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 3603,1111],[‘Age 30’, 1875,611],[‘Age 40’, 1857,567],[‘Age 50’, 1687,531],[‘Age 60’, 1629,521],[‘Age 70’, 1975,697]]);var options = {title: ‘Full Coverage and Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in West Virginia’,minValue: 0,format: ‘$###,###’},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);}

As an average, full coverage costs $2,104 per year more than just buying liability insurance. That amount may make you wonder if full coverage is worth the money. There is no set rule to exclude physical damage coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s assume your vehicle’s settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $5,000 after the deductible is paid. If it’s costing in excess of $500 annually for full coverage, the it may be a good time to stop paying for full coverage.

The information below illustrates how choosing a deductible can influence insurance costs when searching for cheap insurance for high mileage drivers. The premiums assume a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3255,2971,2661,2367],[‘Age 30’, 2271,2065,1831,1603],[‘Age 40’, 2101,1915,1701,1499],[‘Age 50’, 1839,1677,1491,1313],[‘Age 60’, 1775,1617,1439,1267],[‘Age 70’, 2057,1879,1681,1493]]);var options = {title: ‘Effect of Deductibles on Auto Insurance Cost in West Virginia’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 30-year-old driver could lower rates by $400 a year by increasing from a $100 deductible to a $500 deductible, or save $602 by selecting a $1,000 deductible. Even younger drivers, like the Age 20 category, could reduce their rates up to $888 annually by choosing a higher deductible. When using a larger deductible, it is essential to have enough spare savings to satisfy the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.