What Used Cars Are the Cheapest To Insure in West Virginia?
Want to know the cheapest pre-owned vehicle to insure in West Virginia? We researched insurance quotes in the state to save you the effort!
This article covers insurance basics for the state of West Virginia and tips to save money on premiums. We also found the best insurance companies and answered frequently asked questions!
West Virginia Cheapest Used Cars To Insure
We reviewed 45 award-winning vehicles from the 2021-22 production year, listed on the Insurance Institute for Highway Safety’s (IIHS) 2021 Top Safety Picks+ list.
Using a basic driver profile and an in-state address, we ran each selected model through an instant insurance quote generator to retrieve monthly fee estimates for full-coverage and liability-only insurance. Our research enabled us to identify the following cheapest cars to insure in West Virginia:
1. 2021 XC60 by Volvo
The 2021 Volvo XC60 is the cheapest used car to insure in West Virginia. The XC60 is a four-door SUV, and costs $466 per month for full-coverage insurance, which is higher than the state average of $131.67 per month. A liability-only policy is $256 a month.
The XC60 offers superior safety, with blind-spot detection, lane-departure warning, and daytime running lights among its standard features. Additionally, the IIHS gave the XC60 its highest ratings in all of its crashworthiness tests. This SUV gets 22 mpg in the city and 29 mpg on the highway.
2. 2021 Bronco Sport by Ford
The 2021 Ford Bronco Sport is the second cheapest vehicle to insure in West Virginia. This four-door SUV costs $514 monthly for full coverage, higher than the state average of $131.67 per month. Liability-only insurance for this car is $256 per month.
The IIHS gave the 2021 Ford Bronco Sport its highest ratings in tests for both crashworthiness and crash avoidance and mitigation, making it an exceptional vehicle in the safety category. The Bronco Sport gets 25 mpg in the city and 28 mpg on the highway.
3. 2021 Palisade by Hyundai
The third cheapest used vehicle to insure in West Virginia is the 2021 Hyundai Palisade. This SUV with three rows of seating costs $536 per month for a full-coverage policy, which is higher than the state average of $131.67 per month. Liability-only insurance for the Palisade costs $278.
Additionally, the Palisade gets 19 mpg in the city and 26 mpg on the highway. Standard safety features include automated emergency braking and lane-departure warning.
The 45 Cheapest Used Vehicles To Insure in West Virginia
We used vehicles on the IIHS 2021 Top Safety Pick+ list to find policy estimates for full and liability-only coverage in West Virginia. Using an in-state address with basic driver credentials, we input various Top Safety Pick+ award-winning vehicles into an auto insurance quote generator.
We have arranged the following table in ascending order based on the lowest to the highest full-coverage policy cost.
| Year | Make | Model | Full Coverage | Liability Only |
|---|---|---|---|---|
| 2021 | Volvo | XC60 | $466 | $256 |
| 2021 | Ford | Bronco Sport | $514 | $256 |
| 2021 | Hyundai | Palisade | $536 | $278 |
| 2021 | Mazda | CX-30 | $536 | $278 |
| 2021 | Honda | Accord | $587 | $315 |
| 2021 | Honda | Odyssey | $590 | $310 |
| 2021 | Volvo | XC40 | $596 | $288 |
| 2021 | Subaru | Outback | $602 | $307 |
| 2021 | Subaru | Forester | $603 | $293 |
| 2021 | Mazda | CX-3 | $604 | $348 |
| 2022 | Honda | Civic | $608 | $319 |
| 2021 | Volvo | XC90 | $608 | $251 |
| 2021 | Cadillac | XT6 | $610 | $320 |
| 2021 | Mazda | CX-5 | $618 | $342 |
| 2022 | Hyundai | Santa Fe | $619 | $359 |
| 2022 | Hyundai | Tucson | $620 | $313 |
| 2021 | Toyota | Highlander | $629 | $331 |
| 2021 | Nissan | Murano | $631 | $336 |
| 2021 | Nissan | Rogue | $634 | $347 |
| 2021 | Mazda | CX-9 | $639 | $290 |
| 2021 | Chevrolet | Trailblazer | $645 | $363 |
| 2021 | Chrysler | Pacifica | $647 | $330 |
| 2021 | Ford | Explorer | $650 | $353 |
| 2021 | Honda | Insight | $654 | $373 |
| 2021 | Volkswagen | ID.4 | $656 | $342 |
| 2021 | Subaru | Legacy | $660 | $340 |
| 2021 | Toyota | Sienna | $661 | $363 |
| 2021 | Lexus | NX | $691 | $346 |
| 2021 | Subaru | Ascent | $710 | $352 |
| 2021 | Acura | RDX | $712 | $346 |
| 2022 | Kia | Stinger | $717 | $380 |
| 2021 | Toyota | Camry | $719 | $383 |
| 2021 | Mazda | 3 | $720 | $366 |
| 2021 | Mazda | 6 | $721 | $359 |
| 2022 | Mitsubishi | Outlander | $724 | $377 |
| 2021 | Kia | K5 | $727 | $405 |
| 2021 | Nissan | Altima | $774 | $413 |
| 2021 | Volvo | V60 | $806 | $387 |
| 2021 | Volvo | S60 | $829 | $339 |
| 2021 | Acura | TLX | $839 | $440 |
| 2021 | Volvo | S90 | $881 | $309 |
| 2021 | Lexus | ES 350 | $901 | $357 |
| 2022 | Lexus | ES 350 | $934 | $355 |
| 2021 | Nissan | Maxima | $937 | $397 |
| 2021 | Volvo | V90 | $983 | $311 |
Full Coverage vs. Liability Insurance Costs
Liability-only insurance is cheaper than full coverage. This is primarily because liability-only premiums provide less financial coverage than full coverage.
The following table displays the average monthly cost of both insurance types in West Virginia:
| Full-coverage policy | Liability-only policy |
|---|---|
|
$131.67
|
$35.08
|
The Best West Virginia Car Insurance Companies
The three best automobile insurance companies in West Virginia are The Hartford, Progressive, and Erie Insurance.
We used data from EverQuote to identify the market share for each company, and individually researched the complaint index of each insurer. The average complaint index is 1.0, so any figure below this signifies a below-average volume of complaints and higher customer satisfaction.
You can see all the rankings below:
| Insurance Company | Market Share | Percent of Total Complaints | Complaint Index |
|---|---|---|---|
| The Hartford | 2.67% | N/A | 0.18 |
| Progressive | 7.58% | N/A | 0.32 |
| Erie Insurance | 15.09% | N/A | 0.58 |
| Nationwide | 10.9% | N/A | 0.65 |
| State Farm | 25.9% | N/A | 1.18 |
| USAA | 4.07% | N/A | 2.27 |
| Allstate Corp. | 7.61% | N/A | 2.70 |
Disclaimer: The figures shown in the complaint index column are the National Association of Insurance Commissioners’ ratings individually collected via multiple sources.
Tips To Lower Insurance Premiums in West Virginia
Drivers in West Virginia can follow these tips to maximize discounts and minimize insurance premiums:
- Maintain a clean driving record.
- Limit your mileage.
- Boost your credit score.
- Shop around for the cheapest quotes.
- Bundle your policies (e.g., home and auto insurance).
Research Methodology
We used an in-state address and a basic driver profile to find the cheapest used vehicles to insure, as this would provide the most relevant data for drivers in West Virginia. We used the 45 award-winning vehicles and ran them through an insurance quote generator to retrieve the estimates.
The credentials we used throughout our research are as follows:
Basic Driver Profile
- 35-year-old male with a bachelor’s degree
- Single and employed full time
- Homeowner, but did not bundle policies
- Owns the vehicle rather than leases or finances it
- Has been with the current insurance carrier for five or more years
We used vehicles on the IIHS 2021 Top Safety Pick+ list. The IIHS is an independent, nonprofit organization that collects safety data for cars on the market.
We used the following limits for liability-only quotes:
- $100,000/$300,000 liability limits
- $100,000 property damage limits
- $10,000 personal injury protection
For the full coverage quotes, we included the following coverages with the liability selections:
- $1,000 deductible on collision coverage
- $1,000 deductible for comprehensive coverage
- $50/$1,500 rental reimbursement
- $100 roadside assistance
Frequently Asked Questions
What is the cheapest SUV to insure in West Virginia?
The Volvo XC60 is the cheapest used SUV to insure in West Virginia, costing $466 per month for a full-coverage policy.
Are older cars cheaper to insure?
Yes, because older cars are often less valuable than newer models and so they cost less to insure. This is because older cars present less of a financial risk, and replacement parts cost less.
How much liability insurance is required in West Virginia?
According to the West Virginia Offices of the Insurance Commissioner, drivers must have the following minimum liability insurance:
- $25,000 bodily injury limit per person
- $50,000 bodily injury limit per accident
- $25,000 property damage limit
What is the penalty for driving without insurance in West Virginia?
Those caught driving without insurance must pay a fine of between $200 and $5,000 and risk facing 15 days to a year or more of imprisonment. First-time offenders will have their registration and license suspended for 30 days, whereas repeat offenders will have them suspended for 90 days.
To reinstate driving privileges, offenders must pay a $100 registration fee and a $50 license reinstatement fee.
What is the basic insurance for a car?
Liability-only insurance is the most basic insurance. Liability-only coverage insures drivers against property damage and injuries caused by an at-fault accident. Lenders may require drivers that are leasing a car to purchase full-coverage premiums, including comprehensive and collision coverage.
What car has the highest insurance rates?
High-value cars, such as rare collectibles and luxury sports cars, often cost more to insure, as they are a greater financial liability than most vehicles.
References
- (2021.) 2021 Top Safety Picks, Insurance Institute for Highway Safety. Retrieved April 20, 2023, from https://www.iihs.org/ratings/top-safety-picks/2021.
- (2023.) Average Cost of Car Insurance in West Virginia for 2023. Bankrate. Retrieved April 20, 2023, from https://www.bankrate.com/insurance/car/average-cost-of-car-insurance-in-west-virginia/.
- (2023.) State Farm Insurance Review. WalletHub. Retrieved April 20, 2023, from https://wallethub.com/profile/ci/statefarm-13017237i.
- (2023.) Erie Insurance Review. WalletHub. Retrieved April 20, 2023, from https://wallethub.com/profile/ci/erie-insurance-13014016i.
- (2023.) Nationwide Insurance Review. WalletHub. Retrieved April 20, 2023, from https://wallethub.com/profile/ci/nationwide-13303759i.
- (2023.) Allstate Insurance Review. WalletHub. Retrieved April 2020, 2023, from https://wallethub.com/profile/ci/allstate-13012586i.
- (2023.) Progressive Insurance Review: Car, Home, Renters, Bike. ValuePenguin. Retrieved April 20, 2023, from https://www.valuepenguin.com/progressive-insurance-review.
- (2023.) USAA Insurance Review. WalletHub. Retrieved April 20, 2023, from https://wallethub.com/profile/ci/usaa-insurance-13303847i.
- (2023.) The Hartford Insurance Review. WalletHub. Retrieved April 20, 2023, from https://wallethub.com/profile/ci/the-hartford-13016262i.
- (n.d.) Automobile Mandatory Limits. West Virginia Offices of the Insurance Commissioner. Retrieved April 20, 2023, from https://www.wvinsurance.gov/Consumer_Services_mandatory_limits.
- (2023.) Penalties for Driving Without Insurance in West Virginia. ValuePenguin. Retrieved April 20, 2023, from https://www.valuepenguin.com/auto-insurance/west-virginia/penalties-driving-without-insurance.
- (n.d.) 2021 Volvo XC60. Car and Driver. Retrieved April 24, 2023, from https://www.caranddriver.com/volvo/xc60-2021.
- (2023.) 2021 Volvo XC60. Insurance Institute for Highway Safety. Retrieved April 24, 2023, from https://www.iihs.org/ratings/vehicle/volvo/xc60-4-door-suv/2021.
- (n.d.) 2021 Ford Bronco Sport. Car and Driver. Retrieved April 24, 2023, from https://www.caranddriver.com/ford/bronco-sport-2021.
- (2023.) 2021 Ford Bronco Sport. Insurance Institute for Highway Safety. Retrieved April 24, 2023, from https://www.iihs.org/ratings/vehicle/ford/bronco-sport-4-door-suv/2021.
- (n.d.) 2021 Hyundai Palisade. Car and Driver. Retrieved April 24, 2023, from https://www.caranddriver.com/hyundai/palisade-2021.
At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.
