Finding out which company quotes the best insurance rates for drivers with good credit requires a bit more work in order to find the most economical policy. Each company has a different formula for setting prices, so let’s look at the rankings for the most affordable insurance companies in West Virginia.
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Rank | Company | Cost Per Year |
---|---|---|
1 | Erie | $913 |
2 | The Hartford | $1,018 |
3 | State Auto | $1,229 |
4 | USAA | $1,274 |
5 | Westfield | $1,275 |
6 | Progressive | $1,494 |
7 | State Farm | $1,508 |
8 | Nationwide | $1,551 |
9 | Encompass | $1,588 |
10 | GEICO | $1,693 |
11 | Safeco | $1,749 |
12 | Motorists Mutual | $1,786 |
13 | California Casualty | $1,806 |
14 | Allstate | $2,230 |
15 | Liberty Mutual | $3,308 |
16 | Sentry | $3,923 |
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Erie may have some of the most affordable car insurance rates in West Virginia at around $913 a year. The Hartford, State Auto, USAA, and Westfield also rank well as some of the more affordable West Virginia car insurance companies.
As shown in the rates above, if you are a policyholder with USAA and switched to Erie, you might see annual savings of approxmiately $361. Customers with Westfield may save as much as $362 a year, and Progressive insureds might realize rate reductions of up to $581 a year.
Bear in mind that those prices are averages for all insureds and vehicles and are not factoring in a price decrease for drivers with good credit. So the insurer that can offer you the best price may not even be featured in the rate chart shown above. That is why you need to quote rates from many companies using your own driver information and specific vehicle type.
The model of vehicle requiring insurance is a large consideration when comparing quotes for low-priced auto insurance for drivers with good credit. Vehicles with higher performance, a lack of advanced safety features, or a track record of large liability claims will cost more to insure than more economical and safe models.
The next lists ranks car insurance rates for a handful of the most affordable automobiles to buy coverage for.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Malibu LTZ | $1,214 | $607 | $101 |
Ford Focus SE 2-Dr Coupe | $1,248 | $624 | $104 |
Honda Accord LX-P 4-Dr Sedan | $942 | $471 | $79 |
Honda Civic LX-S 4-Dr Sedan | $1,156 | $578 | $96 |
Hyundai Elantra SE 4-Dr Sedan | $1,184 | $592 | $99 |
Kia Optima LX | $1,180 | $590 | $98 |
Nissan Altima 2.5 4-Dr Sedan | $1,116 | $558 | $93 |
Toyota Camry SE | $1,184 | $592 | $99 |
Volkswagen Jetta SEL 4-Dr Sedan | $1,214 | $607 | $101 |
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in vehicle garaging location which can modify coverage rates greatly.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Traverse LTZ 2WD | $1,070 | $535 | $89 |
Ford Escape Limited 4WD | $1,040 | $520 | $87 |
Ford Expedition SSV 4WD | $1,070 | $535 | $89 |
Ford Explorer XLT AWD | $1,046 | $523 | $87 |
GMC Acadia SL 2WD | $1,018 | $509 | $85 |
Honda CR-V EX-L 4WD | $970 | $485 | $81 |
Honda Pilot Touring 2WD | $1,146 | $573 | $96 |
Hyundai Tucson GLS 4WD | $1,046 | $523 | $87 |
Jeep Grand Cherokee Laredo 4WD | $1,116 | $558 | $93 |
Kia Sportage LX 2WD 4-Dr | $1,018 | $509 | $85 |
Toyota 4Runner SR/5 4WD | $1,070 | $535 | $89 |
Toyota Highlander Sport 2WD | $1,146 | $573 | $96 |
Toyota RAV4 2WD | $1,116 | $558 | $93 |
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Data variables include married 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, multi-policy, and safe-driver. Prices do not factor in vehicle garaging location which can lower or raise insurance rates substantially.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Silverado 2500HD LTZ Crew Cab 2WD | $1,378 | $689 | $115 |
Chevrolet Silverado 3500HD LT Crew Cab 4WD | $1,440 | $720 | $120 |
Chevrolet Silverado LS Regular Cab 4WD | $1,018 | $509 | $85 |
Dodge Ram 3500 Mega Cab Laramie 4WD | $1,658 | $829 | $138 |
Dodge Ram Quad Cab Sport 4WD | $1,308 | $654 | $109 |
Ford F-150 Lariat Crew Cab 2WD | $1,146 | $573 | $96 |
GMC Sierra 2500HD SLE Crew Cab 2WD | $1,348 | $674 | $112 |
GMC Sierra 3500HD SLE Extended Cab 2WD | $1,244 | $622 | $104 |
GMC Sierra SLE Crew Cab 2WD | $1,116 | $558 | $93 |
Toyota Tundra SR/5 Crew Max 4WD | $1,308 | $654 | $109 |
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Data rating is based on married 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-vehicle, and multi-policy. Prices do not factor in specific zip code location which can alter premiums significantly.
If you’re looking for the best auto insurance, the companies with the most market share are State Farm, Allstate, Geico, and Progressive. When combined, they insure about 50% of the entire U.S. auto insurance market. The table below breaks down price, claims, and customer service ratings, as well as some optional coverages that are available.
State Farm | Allstate | Geico | Progressive | |
---|---|---|---|---|
Overall Cost | 2nd | 4th | 1st | 3rd |
Customer Satisfaction | 4th | 2nd | 1st | 3rd |
Number of Discounts | 3rd | 1st | 2nd | 4th |
Claims Rank | 2nd | 1st | 3rd | 4th |
Customer recommendation | 88% | 86% | 87% | 88% |
A.M. Best rating | A++ | A+ | A++ | A+ |
Standard & Poor’s rating | AA | AA- | AA+ | AA |
Usage-based insurance | Yes | Yes | No | Yes |
New car replacement insurance | No | Yes | No | No |
Rideshare coverage | Yes | Yes | Yes | Yes |
Mechnical breakdown | No | No | Yes | Yes |
Accident forgiveness coverage | No | Yes | Yes | Yes |
Roadside service | Yes | Yes | Yes | Yes |
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