Cheapest Car Insurance Quotes for Active Military in West Virginia

Cheapest Car Insurance Quotes for Active Military in West Virginia

The words “affordable” and “auto insurance” really should not be used together, especially when you are shopping around for the best coverage prices for active military. To save some money, let’s learn about some of the factors that impact car insurance prices, and find out if we can help you take a little off your next policy.

Finding out which company quotes the lowest-priced car insurance rates for active military requires a bit more work in order to find the lowest price. Each auto insurer has a different process for determining prices, so we need to take a look at the lowest cost car insurance companies in West Virginia.

It’s important that readers know that West Virginia car insurance rates are determined by lots of factors that may substantially change the price you pay for coverage. Simply having another birthday, having a teen driver, or getting into an accident can cause premium changes that can make some companies much cheaper than others.

Cheap Insurance Rates for Military

Start Your Free Quote

Cheapest insurance companies in West Virginia
Rank Company Cost Per Year
1 Erie $904
2 The Hartford $1,060
3 Westfield $1,262
4 State Auto $1,266
5 USAA $1,287
6 Progressive $1,494
7 State Farm $1,508
8 Nationwide $1,551
9 Encompass $1,572
10 GEICO $1,744
11 Safeco $1,767
12 Motorists Mutual $1,786
13 California Casualty $1,842
14 Allstate $2,322
15 Liberty Mutual $3,178
16 Sentry $3,923
View More Rates Go

Erie generally has some of the most affordable car insurance rates in West Virginia at around $904 annually. The Hartford, Westfield, State Auto, and USAA would also make the list of some of the lowest-priced West Virginia insurance companies.

As depicted above, if you are a policyholder with Westfield and switched to Erie, you might see an annual savings of in the vicinity of $358. West Virginia drivers with State Auto might save as much as $362 a year, and USAA insureds might see rate reductions of $383 a year.

Remember that these premiums are averages for all types of insureds and vehicles and do not factor in a price discount for active military. So the company that fits you best may not even be included in the chart above. That’s why you need to get car insurance quotes using your own personal information and vehicle type.

Everyone has different tastes in autos, and the style of vehicle you are seeking coverage for is one of the main factors when quoting affordable insurance for active military. Vehicles with limited top-end speed, good safety features, or a positive history of liability claims will cost quite a bit less to insure than fast, unsafe models.

The next tables outlines auto insurance rates for some of the more afforable vehicles to insure.

Auto Insurance Rates for Popular Cars in West Virginia
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu Hybrid $1,404 $702 $117
Ford Focus S 4-Dr Sedan $1,372 $686 $114
Honda Accord EX-L 2-Dr Coupe $1,612 $806 $134
Hyundai Elantra Blue 4-Dr Sedan $1,458 $729 $122
Hyundai Sonata SE 4-Dr Sedan $1,578 $789 $132
Kia Optima EX $1,612 $806 $134
Nissan Altima 2.5 4-Dr Sedan $1,404 $702 $117
Toyota Camry LE $1,404 $702 $117
Toyota Corolla XLE $1,490 $745 $124
Get a Custom Quote for Your Car Go

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

Auto Insurance Rates for Popular SUVs and Crossovers in West Virginia
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX Advance/Entertainment 4WD $1,556 $778 $130
BMW X5 M AWD $1,906 $953 $159
Buick Enclave CX 2WD $1,524 $762 $127
Chevrolet Traverse LT 2WD $1,252 $626 $104
Ford Escape Limited 4WD $1,302 $651 $109
Ford Expedition Limited 2WD $1,422 $711 $119
Ford Explorer XLT 4WD $1,320 $660 $110
GMC Acadia SLE AWD $1,404 $702 $117
Honda CR-V EX 2WD $1,186 $593 $99
Honda Pilot EX-L 2WD $1,438 $719 $120
Jeep Grand Cherokee Limited 4WD $1,524 $762 $127
Jeep Wrangler Sport 4WD 2-Dr $1,204 $602 $100
Subaru Forester X AWD $1,336 $668 $111
Toyota Highlander Hybrid Limited 4WD $1,556 $778 $130
Toyota RAV4 Sport 2WD $1,404 $702 $117
Get a Custom Quote for Your SUV or Crossover Go

Cost estimates assume single female 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. Prices do not factor in your specific West Virginia location which can raise or lower price quotes significantly.

Car Insurance Rates for Popular Pickup Trucks in West Virginia
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Crew Cab 2WD $1,372 $686 $114
Chevrolet Silverado LT Extended Cab 4WD $1,404 $702 $117
Dodge Ram 2500 Crew Cab SLT 4WD $1,644 $822 $137
Dodge Ram 3500 Crew Cab ST 2WD $1,588 $794 $132
Dodge Ram Crew Cab ST 2WD $1,526 $763 $127
Ford F-150 XLT Crew Cab 2WD $1,320 $660 $110
GMC Canyon SLT Ext Cab 2WD $1,404 $702 $117
GMC Sierra 2500HD SLE Regular Cab 4WD $1,524 $762 $127
GMC Sierra SLE Regular Cab 4WD $1,524 $762 $127
Toyota Tundra SR/5 Double Cab 2WD $1,492 $746 $124
Get a Custom Quote for Your Truck Go

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Price information does not factor in specific garaging location which can alter insurance rates considerably.

Poor driving habits will raise your car insurance rates

The common sense way to earn the cheapest car insurance premiums in West Virginia for military personnel is to be a careful driver and avoid accidents and traffic citations. The chart below highlights how traffic violations and fender-benders can drive up insurance prices for each different age category. The data assumes a married male driver, full coverage, $1,000 deductibles, and no policy discounts are applied.

The data above shows the average cost of a car insurance policy in West Virginia per year with no accidents and a clean driving record is $1,311. Get one speeding ticket and the average cost swells to $1,509, an increase of $199 each year. Now add in two accidents along with the one speeding ticket and the annual cost of car insurance for active military goes up to an average of $3,373. That’s an increase of $2,062, or $172 per month, just for not being more responsible behind the wheel!

West Virginia car insurance companies

Finding the best car insurance company is difficult considering how many companies provide coverage in West Virginia. The information in the next section could help you select which companies to look at when shopping around. These ratings only include companies that write coverage in many states, so smaller regional companies are not taken into consideration for these rankings.

West Virginia Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Erie Insurance 87 84 85 85% A+ 85.3
Farmers Insurance 77 80 80 84% A 80.3
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

How to find the cheapest car insurance for active military in West Virginia

Lowering your rates is not difficult, and here are some of the recommended thrifty solutions that can help West Virginia drivers quote cheaper coverage.

  • Higher physical damage deductibles lower rates
  • On older vehicles, drop full coverage
  • Do not get traffic violations
  • Get cheaper liability coverage by choosing a safer vehicle
  • Prevent rate increases by staying accident-free
  • Drivers with good credit ratings often pay less
  • Keep rates low by comparing prices once a year

That last idea is certainly necessary, as was pointed out in this article. Car insurance prices vary considerably, so don’t be unwilling to buy a policy from a new company if a cheaper rate is available.

Brand loyalty is not necessarily bad, but it’s not a good idea if that inflexibility results in costing you hundreds of dollars year after year. Take a few minutes and shop around to find cheaper auto insurance for active military.

Who has the cheapest insurance quotes for military personnel?

You have many ways to shop for and buy car insurance in West Virginia, but the three most common are through a captive (or exclusive) agent like Liberty Mutual or State Farm, an independent agent, or direct from companies such as Progressive or Geico. You can use whichever you prefer, but it’s good to know the differences in how they provide rate quotes.

Independent insurance agencies write for multiple companies and can compare rates with every one. These types of agents have the option to get prices from more than one company, which may give you the best idea of how your rates compare. If they find a lower price, it’s easy for the agent to move the policy which prevents you from having to find a new agency.

Exclusive agencies are able to quote prices with just one company, examples being Allstate and Liberty Mutual agents. Exclusive agents are unable to provide rates from more than one company, so always compare other rates.

The last way is buying direct, which means you do not use an independent or exclusive agent and instead shop from a direct company like Esurance or Progressive. Buying direct can be good for families who have an average risk profile and know how their policy works.

So which of those three methods works best for finding the cheapest car insurance for active military in West Virginia? It would be easy to say buying direct saves money since there is no need to pay agent commissions, but that generally is not the case. An argument could also be made that an independent agency is the best way since they have access to many companies, but that assumption is also not necessarily accurate. And occasionally, exclusive agencies may have very competitive prices that are the cheapest.

Due to that fact that car insurance uses so many rating variables, the only true way to buy the cheapest coverage is to get quotes and compare the rates. In a perfect world, youll get price quotes all three ways to give yourself enough choices. For a list of companies offering online discounts in West Virginia, click here to view.