Car Insurance for Age 20-25 in West Virginia

Average auto insurance rates for 20-25 year old drivers in West Virginia (WV), including male vs female rate comparison.

Avg Annual Rate

$3,096

$11 below national avg

Male Rate

$3,440/yr

Female Rate

$2,752/yr

Cost Rank

#25

of 51 states

Male vs Female Rates — Age 20-25 in West Virginia

Gender	Annual	Monthly	vs Average
Male	$3,440	$287	+$344
Female	$2,752	$229	$-344
Average	$3,096	$258	—

Male drivers aged 20-25 pay $688 more per year in West Virginia.

All Age Groups in West Virginia

Age Group	Average	Male	Female
16-19	$4,644	$5,246	$4,042
20-25 ←	$3,096	$3,440	$2,752
26-35	$1,892	$1,978	$1,806
36-45	$1,720	$1,754	$1,686
46-55	$1,634	$1,668	$1,600
56-65	$1,582	$1,617	$1,548
65+	$1,806	$1,858	$1,754

Most & Least Expensive States for Age 20-25

Most Expensive

#1	Michigan	$4,860
#2	Louisiana	$4,680
#3	Florida	$4,500
#4	New York	$4,176
#5	Kentucky	$3,960
#6	Colorado	$3,780
#7	Georgia	$3,780
#8	California	$3,726
#9	Nevada	$3,726
#10	Oklahoma	$3,654

Least Expensive

#51	Maine	$1,620
#50	Vermont	$1,800
#49	New Hampshire	$1,890
#48	Idaho	$1,980
#47	Hawaii	$2,286
#46	Wisconsin	$2,304
#45	Ohio	$2,322
#44	North Carolina	$2,430
#43	Iowa	$2,430
#42	North Dakota	$2,448

West Virginia Insurance Overview

State Avg Premium

$1,720/yr

Fault System

At-Fault (Tort)

Uninsured Rate

9.3%

📊

CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

How much does car insurance cost for age 20-25 in West Virginia?

The average annual car insurance premium for 20-25 year olds in West Virginia is $3,096 (about $258/month). This is $11 below the national average of $3,107 for this age group.

Do males or females pay more for car insurance at age 20-25 in West Virginia?

In West Virginia, male drivers aged 20-25 pay more — $3,440/yr for males vs $2,752/yr for females, a difference of $688 per year.

How does West Virginia rank for age 20-25 insurance costs?

West Virginia ranks #25 out of 51 states for car insurance costs for 20-25 year olds (most expensive first). The cheapest state for this age group is Maine at $1,620/yr, while Michigan is the most expensive at $4,860/yr.

Why is car insurance cheaper for age 20-25 in West Virginia?

Insurance rates for 20-25 year olds in West Virginia are influenced by the state's at-fault (tort) system, local accident rates (22,066/yr), uninsured driver rate (9.3%), and population density. West Virginia has 1,471,080 registered vehicles.

How can 20-25 year olds save on car insurance in West Virginia?

20-25 year olds in West Virginia can save by: comparing quotes from multiple insurers (Erie Insurance is often the cheapest), maintaining a clean driving record, taking defensive driving courses, bundling policies, and asking about age-specific or good student discounts. Higher deductibles can also lower premiums.

Age 20-25 Rates in Other States

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