Published car-insurance premium data for West Virginia (2024)
The lowest single filed rate anywhere in this survey is $181 and the highest is $9,907 — 54.7× apart, for defined hypothetical drivers.
West Virginia Offices of the Insurance Commissioner · rates effective 1 January 2024 · annual premiums · 4,539 filed rates · retrieved 9 August 2026 · source document
These rates are 31 months old
West Virginia Offices of the Insurance Commissioner last published this survey with rates effective 1 January 2024. The market has moved since. For the direction of prices now, see the US car-insurance price index.
- Driver profiles published
- 10
- Cities published
- 10
- Filed rates behind these pages
- 4,539
- Policy term
- annual
What WV OIC publishes, and why it looks like this
West Virginia’s survey is required by statute and published annually. It covers 10 driver profiles across 10 cities, with a large panel of insurers reporting in two blocks — preferred and standard companies, and non-standard companies — over the same city columns.
Both blocks are pooled into one distribution because the regulator publishes them in the same table. Three companies submitted at a combined single limit rather than the split limit the survey specified; they are left in, and this is recorded rather than hidden. Rates are annual. One figure in the source is far below every sibling figure in its own row and fails a plausibility floor, so it is excluded rather than corrected to a guess, and the sample size for that cell is one lower than its neighbours.
What these figures are, and what they are not
Each figure is computed from the premiums insurers filed with West Virginia Offices of the Insurance Commissioner for one hypothetical driver the regulator defined. They are not quotes, not offers, and not what any individual pays. An insurer’s filed sample rate assumes the exact vehicle, mileage, record and coverage in the published profile, and nothing else.
Premiums are annual. The survey collects liability and uninsured-motorist premiums only, at West Virginia's mandatory minimum limits (25/50/25), because state Code does not require comprehensive, collision, medical-payments or underinsured-motorist cover. No deductible exists in this dataset. Each distribution pools every company that responded for that driver and city — the survey publishes both a preferred/standard block and a non-standard block for the same hypothetical driver, and both are filed sample rates for it. Three of the responding companies submitted their examples at $75,000 combined single limits rather than the $50,000/$25,000 split limit. The rated vehicle is a 2022 Toyota Camry XLE. We publish the count and the distribution — the smallest filed rate, the quartiles, the median and the largest — and never a rate attributed to an insurer.
Every driver profile WV OIC publishes
| Driver profile | Combinations | Lowest filed | Median range | Highest filed |
|---|---|---|---|---|
| 18 yr. Male, single, principal operator, no accidents or violations, Commutes to school, 10,000 miles annually. An 18-year-old single male who has two years of driving experience, is the principal operator of the vehicle, who regularly… | 10 | $593 | $1,534–$2,119 | $8,456 |
| 18 yr. Female, single, principal operator, no accidents or violations, Commutes to school, 10,000 miles annually. An 18-year-old single female who has two years of driving experience, is the principal operator of the vehicle, who regularly… | 10 | $532 | $1,447–$1,946 | $6,676 |
| 25 yr. Male, single, principal operator, no accidents or violations, 20,000 miles annually. A 25-year-old single male who has nine years of driving experience, is the principal operator of the vehicle, who regularly… | 10 | $303 | $702–$921 | $3,469 |
| 25 yr. Female, single, principal operator, no accidents or violations, 20,000 miles annually. A 25-year-old single female who has nine years of driving experience, is the principal operator of the vehicle, who regularly… | 10 | $303 | $674–$908 | $3,469 |
| 35 yr. Male, married, principal operator, no accidents or violations, 20,000 miles annually. A 35-year-old married male who has nineteen years of driving experience, is the principal operator of the vehicle, who regularly… | 10 | $232 | $524–$681 | $9,907 |
| 35 yr. Female, married, principal operator, no accidents or violations, 20,000 miles annually. A 35-year-old married female who has nineteen years of driving experience, is the principal operator of the vehicle, who… | 10 | $231 | $530–$675 | $3,377 |
| 48 yr. Male, married, principal operator, no accidents or violations, 20,000 miles annually. A 48-year-old married male who has thirty-two years of driving experience, is the principal operator of the vehicle, who… | 10 | $215 | $497–$696 | $3,301 |
| 48 yr. Female, married, principal operator, no accidents or violations, 20,000 miles annually. A 48-year-old married female who has thirty-two years of driving experience, is the principal operator of the vehicle, who… | 10 | $215 | $514–$667 | $3,301 |
| 62 yr. Male, married, principal operator, no accidents or violations, 12,000 miles annually, Pleasure usage. A 62-year-old married male who has forty-six years of driving experience, is the principal operator of the vehicle, does not… | 10 | $186 | $495–$689 | $3,871 |
| 62 yr. Female, married, principal operator, no accidents or violations, 12,000 miles annually, Pleasure usage. A 62-year-old married female who has forty-six years of driving experience, is the principal operator of the vehicle, does not… | 10 | $181 | $489–$630 | $3,871 |
The other dimension of this survey
WV OIC rates 10 cities as well. Every one of them appears on the pages above, as a row inside each driver profile page. The transposed pages — one page per city, carrying every driver profile — are a later batch, and are named here rather than linked because they do not exist yet.
- Beckley
- Bluefield
- Charleston
- Clarksburg
- Huntington
- Martinsburg
- Morgantown
- Parkersburg
- Wheeling
- Williamson
What West Virginia requires by statute
These filed rates are for the coverage the survey defines, which is not the same thing as the state’s legal minimum. Car-insurance requirements in West Virginia sets out what the statute obliges a driver to carry, with the citation and the effective date.
Questions about this data
- Are these car-insurance quotes for West Virginia?
- No. They are rates insurers filed with West Virginia Offices of the Insurance Commissioner for driver profiles the regulator defined. They are not offers and not what any individual pays.
- Why is there no single average figure for West Virginia?
- Because a single figure hides the spread, and the spread is the finding. Across this survey the lowest filed rate is $181 and the highest is $9,907, both for defined hypothetical drivers.
- Are these annual premiums?
- West Virginia Offices of the Insurance Commissioner publishes annual premiums. This site never converts between the two terms and never places one state's figures beside another's.
Source: West Virginia Offices of the Insurance Commissioner, rates effective 1 January 2024. Retrieved 9 August 2026. 4,539 filed rates aggregated into 100 published distributions; no per-insurer figure is stored or shown.