Cheap Car Insurance for Teenage Males in West Virginia

One of the key criteria that is used to calculate the price you pay for insurance is where your home is located. Areas with more people like Elkins, Pea Ridge, and Nitro likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates generally benefit from lower auto insurance rates.

The next table shows the priciest cities in West Virginia for teenage males to purchase auto insurance in.

Premium costs are estimated as the vehicle garaging location can alter price quotes considerably.

Finding cost effective auto insurance is challenging, and finding out which insurers offer the cheapest insurance rates for teenage males takes even more work. Rates will probably be significantly more than the average price in West Virginia, with the increase attributed to the extra risk associated with selling insurance for teen boys, but reasonable insurance may be available if you compare enough rates. Each company uses different criteria to determine rates, so let’s begin by taking a look at the lowest cost insurance companies in West Virginia.

Best Insurance Companies for Teens

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Erie quotes some of the best car insurance rates in West Virginia at around $913 annually. The Hartford, State Auto, Westfield, and USAA also qualify as some of the most economical West Virginia auto insurance companies.

As the example above demonstrates, if you currently buy coverage from Westfield and switched to Erie, you might see yearly savings of approxmiately $349. Drivers with USAA may save as much as $413 a year, and State Farm insureds might lower prices by up to $595 a year.

Understand that those estimates are averaged for all insureds and vehicles and and are not calculated with a rate increase for teenage males. So the company that is most affordable for your situation may not even be in the above list. That points out the importance of why you need to compare rates from multiple companies using your own driver data and vehicle information.

The make and model of vehicle requiring coverage is one of the largest considerations that determines whether or not you can buy affordable insurance for teenage males. Vehicles with lots of horsepower, a lack of advanced safety features, or high incidents of liability claims will cost quite a bit more to insure than more modest models.

The information below outlines auto insurance premiums for a selection of the cheaper automobiles to insure in West Virginia.

Above prices assume single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and West Virginia minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in specific garaging location which can affect price quotes noticeably.

Based upon these rates, vehicles like the Ford Escape, Honda CR-V, Chevrolet Traverse, Toyota Prius, and Hyundai Tucson are the most affordable vehicles to insure for teen boys. The price for car insurance will be more expensive because of the fact that there is more liability exposure for teenage males, but overall those vehicles will have the cheapest rates that you are likely to find.

Do you need full coverage?

Finding cheap car insurance for teenage males in West Virginia is the goal of most people, and one good way to find cheaper insurance is to not buy full coverage. The illustration below illustrates the difference between car insurance costs with full coverage and liability only. The premiums are based on no accidents or driving violations, $100 deductibles, marital status is single, and no discounts are applied to the premium.

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Averaged for all age groups, physical damage coverage on your policy costs an additional $2,818 per year over and above liability only. Many drivers may wonder when is the right time to remove full coverage. There isn’t a steadfast formula of when to stop paying for full coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.