Who Has the Cheapest Auto Insurance Quotes for a 20 Year Old Male in West Virginia?

Finding decent, budget insurance is tough enough, and figuring out which companies have the lowest-priced auto insurance rates for 20 year old guys will take even more perseverance. Insurance prices will most likely be much greater than the average policy in West Virginia attributed to the potential for higher claims related to offering coverage for young men, but competitively-priced insurance may be attainable if you look hard enough. Each insurance company has a different process to set their prices, so to begin we’ll rank the most budget-friendly auto insurance companies in West Virginia.

It’s important to understand that West Virginia auto insurance rates are influenced by many factors that can increase the price you have to pay for coverage. Simply improving your credit, getting married, or getting caught speeding may cause policy rate changes that can cause some rates to be cheaper than others.

Best Auto Insurance Prices for Men Age 20

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Erie offers some of the lowest car insurance rates in West Virginia at around $913 annually. The Hartford, State Auto, USAA, and Westfield also qualify as some of the lowest-priced West Virginia auto insurance companies.

As shown in the rates above, if you are a policyholder with USAA and switched to Erie, you may see a yearly price reduction of about $400. West Virginia drivers with Westfield might save as much as $401 a year, and State Farm insureds might cut rates by $625 a year.

To see if your current coverage is too expensive, click here to start your free quote or click several companies below for low rates.

Understand that those prices are averages across all drivers and vehicles in West Virginia and do not factor in a rate surcharge for 20 year old guys. So the car insurance company that is most affordable for your situation may not even be shown in the chart above. That helps illustrate why you need to get quotes using your own personalized driver profile and vehicle information.

When shopping for the cheapest car insurance for young men, one of the many factors that play a part in determining the policy price is where you choose to live. Cities with larger populations like Beckley, Oak Hill, and Pea Ridge tend to have higher rates, whereas areas with less crime or weather claims tend to receive slightly lower rates.

The next table displays the highest-priced places in West Virginia for 20 year old guys to buy car insurance in.

Rates are approximated as zip code location can increase or decrease premium rates greatly.

The type of vehicle that needs insurance is one of the primary factors when comparing low-priced auto insurance for 20 year old guys. Vehicles with higher performance, poor safety ratings, or high incidents of liability claims will cost quite a bit more to insure than safer, lower-performance models.

The data below illustrates car insurance costs for a handful of the more afforable vehicles to insure.

Data rating is based on single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and West Virginia minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can revise price quotes substantially.

Looking at the rates, we can assume that makes and models like the Ford Escape, Honda CR-V, and Chevrolet Traverse will definitely be a few of the most affordable vehicles to insure for young men. The price of auto insurance will tend to be more expensive just because there is more risk for 20 year old guys, but overall those specific models will probably have the cheapest rates compared to other vehicles.

Buying coverage from the highest-rated company can be a challenge considering how many companies sell insurance in West Virginia. The ranking data shown below may help you choose which providers you want to consider purchasing a policy from. The ratings below are only comprised of companies with a nationwide focus, so smaller companies are not taken into consideration for the list.

Is State Farm, Geico, Progressive, or Allstate cheaper?

When buying car insurance for young men in West Virginia, four of the larger companies to compare rates for are State Farm, Geico, Progressive, and Allstate. The next table points out ratings for price and service, as well as some optional coverages shoppers can expect to find with each one.