Best Car Insurance After an Accident in West Virginia (See the Top 10 Companies for 2025)
Progressive, Geico, and Allstate offer the best car insurance after an accident in West Virginia, with rates starting at $65 per month from Geico. Progressive excels in pricing and accident forgiveness, Geico provides affordable rates and discounts, and Allstate delivers comprehensive coverage and strong support.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
UPDATED: Mar 1, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Mar 1, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
On This Page
19,116 reviewsCompany Facts
Full Coverage After an Accident in WV
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
11,638 reviewsCompany Facts
Full Coverage After an Accident in WV
A.M. Best Rating
Complaint Level
Pros & Cons
11,638 reviewsThe best car insurance after an accident in West Virginia is provided by Progressive, Geico, and Allstate, with Geico’s lowest rate of $65/month.
Progressive excels with its competitive rates, accident forgiveness, and robust coverage features. Geico maintains low costs with cheap rates and various discounts, while Allstate offers good claims service and extensive coverage.
Our Top 10 Company Picks: Best Car Insurance After an Accident in West Virginia| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | A+ | Competitive Pricing | Progressive |
 | #2 | 25% | A++ | Affordable Rates | Geico |
 | #3 | 25% | A+ | Comprehensive Coverage | Allstate |
 | #4 | 17% | B | Strong Reputation | State Farm |
 | #5 | 20% | A+ | Customer Service | Nationwide |
 | #6 | 25% | A | Regional Reliability | American Family |
 | #7 | 20% | A | Policy Customization | Farmers |
 | #8 | 25% | A | Flexible Options | Liberty Mutual |
 | #9 | 13% | A++ | Broad Coverage | Travelers |
 | #10 | 10% | A++ | Military Focus | USAA |
If you’re comparing options, understanding what you should know about auto insurance can help you find the right policy for your needs. Ready to find cheaper car insurance coverage? Enter your ZIP code to begin.
- Progressive offers top coverage with accident forgiveness
- Geico and Allstate have low rates for post-accident drivers
- West Virginia drivers can save with discounts and safe driving
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#1 – Progressive: Top Overall Pick
Pros
- Affordable Fees: Progressive has affordable policies, which make them a good option for West Virginia motorists seeking low-cost and decent coverage following an accident.
- Accident Forgiveness: Qualifying policyholders benefit from accident forgiveness, helping them avoid premium hikes after their first at-fault accident, as noted in the Progressive auto insurance review.
- Comprehensive Protection: Progressive also offers extra coverage choices such as roadside assistance, rental reimbursement, and gap insurance, providing all-around protection for West Virginia drivers.
Cons
- Higher Costs for High-Risk: Drivers with multiple accidents may face significantly higher premiums, making it less affordable than insurers offering more forgiving post-accident pricing in auto insurance in West Virginia.
- Inconsistent Support: Some West Virginia drivers report frustration with claims processing and customer service, citing delays and mixed experiences
#2 – Geico: Best for Affordable Rates
Pros
- Budget-Friendly Premiums: Geico remains one of the most cost-effective options, helping drivers secure car insurance in West Virginia at lower rates compared to many competitors.
- Responsive Financial Strength: With an A++ A.M. Best rating, Geico offers solid financial support so West Virginia policyholders can access reliable coverage and speedy claims payment.
- Multiple Discounts: West Virginia drivers can lower their costs with discounts for bundling, military service, and safe driving, making their policies even more affordable.
Cons
- Minimal In-Person Assistance: Geico primarily operates online, which may not be ideal for drivers who prefer face-to-face service when managing their Geico auto insurance review policy.
- Potentially Higher Rates: Drivers who require repair coverage may face higher costs, as autobody insurance West Virginia options could be more expensive than competitors.
#3 – Allstate: Best for Comprehensive Coverage
Pros
- Full Coverage: Allstate auto insurance review features perks such as accident forgiveness, rental reimbursement, and new car replacement, providing peace of mind in the event of an accident.
- Safe Driving Rewards: The Drivewise program allows West Virginia motorists to receive discounts for driving safely by continuing to drive responsibly, making it a strong option for safe drivers.
- Personalized Assistance: Allstate’s wide network of agents in West Virginia provides one-on-one, face-to-face assistance for claiming and policy management, giving the experience a personal touch.
Cons
- Higher Premiums: Best West Virginia car insurance providers, such as Geico or Progressive, can provide cheaper premiums for drivers with past accidents.
- Limited Discounts: Despite its many discounts, Allstate’s offers may not be as substantial as those of competitors such as Geico and Progressive.
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#4 – State Farm: Best for Strong Reputation
Pros
- Trustworthy Coverage: Our State Farm insurance review & ratings emphasize its solid reputation, which makes it a trustworthy choice following an accident.
- Highest-Rated Claims Service: Praised for easy claims handling, State Farm maintains high customer satisfaction ratings.
- Discounts Galore: Motorists can reduce expenses with bundling, accident-free, and student discounts.
Cons
- Higher Premiums Than Some Competitors: While offering quality coverage, it may not be the best car insurance in WV for budget-conscious drivers, especially after an accident.
- Limited Digital Features: The State Farm app doesn’t offer the same advanced tools found in other insurance apps.
#5 – Nationwide: Best for Customer Service
Pros
- Reliable Customer Support: Nationwide insurance review & ratings highlight its strong customer service, ensuring West Virginia drivers get dependable assistance after an accident.
- Lower Deductible Over Time: Safe drivers can benefit from a vanishing deductible, reducing out-of-pocket expenses after a covered claim.
- Comprehensive Coverage Advantages: Accident forgiveness and total loss replacement are added financial safeguards, making it a strong contender for the best West Virginia auto insurance.
Cons
- Potentially Higher Premiums After Accidents: At-fault drivers might experience higher premium hikes than competitors with more lenient pricing.
- Limited Discount Selection: While Nationwide offers some savings, discount options may not be as extensive as those from Geico or Progressive.
#6 – American Family: Best for Regional Reliability
Pros
- Strong Local Affiliation: American Family offers personal service and personalized coverage choices, which makes it a strong competitor for the best West Virginia auto insurance company in some areas.
- Large Safe Driver Discounts: Clean record holders can benefit from large discounts that reduce their vehicle insurance costs.
- Accident Forgiveness Perk: After a driver’s first at-fault accident, American Family helps prevent substantial rate increases.
Cons
- Limited Availability: American Family isn’t as widespread as larger insurers, which may affect accessibility for some West Virginia drivers.
- Higher Rates for Risky Drivers: Those with multiple violations may find better deals elsewhere, as noted in this American Family insurance review & ratings.
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#7 – Farmers: Best for Policy Customization
Pros
- Flexible Coverage Solutions: Farmers permit the policyholders to personalize their covers, so it is an excellent option for those requiring adjusted protection. Farmers insurance review & ratings emphasize its adjustability for car drivers in West Virginia.
- Accident Forgiveness: Accident forgiveness is available to policyholders, making the rates resistant to change upon a first-at-fault incident.
- Rideshare Coverage: Farmers offer customized insurance for those employing rideshare organizations such as Uber and Lyft on car insurance in West Virginia.
Cons
- Higher-than-Average Rates: Farmers tend to have steeper premiums compared to competitors, especially for drivers with past infractions.
- Limited Discount Opportunities: While some savings are available, other providers may offer more competitive discounts on car insurance in West Virginia for bundling or safe driving.
#8 – Liberty Mutual: Best for Flexible Options
Pros
- Flexible Coverage Plans: Liberty Mutual auto insurance review reveals that this firm offers flexible policies, enabling West Virginia drivers to choose coverage that best fits them.
- Safe Driving Discounts: Under the RightTrack program, policyholders can get discounts by exhibiting safe driving skills with telematics monitoring.
- New Vehicle Protection: In the event a newly bought vehicle is totaled, Liberty Mutual exchanges it for an identical make and model so that drivers receive an equivalent replacement.
Cons
- Above-Average Premiums: Compared to cheap West Virginia car insurance companies, Liberty Mutual’s rates tend to be higher, particularly for drivers with recent accidents.
- Inconsistent Customer Experiences: Some policyholders report mixed satisfaction with claims processing and support, highlighting areas where service could improve.
#9 – Travelers: Best for Broad Coverage
Pros
- Extensive Coverage Choices: Travelers have broad protection, such as accident forgiveness and gap insurance, for extra reassurance.
- Possible Savings for Careful Drivers: Individuals who use the IntelliDrive app are eligible for discounts depending on their driving habits.
- Reliable Claims Payouts: With an A++ A.M. Best rating, Travelers auto insurance review highlights its strong financial stability.
Cons
- Discount Eligibility Requirements: Some policy discounts have strict criteria that may be difficult for certain drivers to meet.
- Limited Local Support: Unlike some competitors, West Virginia auto insurance from Travelers relies more on digital services than in-person agents.
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#10 – USAA: Best for Military Focus
Pros
- Personalized Coverage for Military Families: USAA offers insurance to military members, veterans, and their families, providing them with unique West Virginia benefits.
- Strongly Rated for Customer Satisfaction: Policyholders regularly commend USAA on its outstanding claims assistance and quality of service.
- Low Prices for Military Personnel: USAA provides affordable rates, including special discounts that make car insurance in West Virginia cheaper for qualified motorists.
Cons
- Restricted Membership: Only military personnel and their families can access USAA policies, limiting options for other West Virginia residents.
- Limited In-Person Support: With a focus on digital services, USAA has fewer local agents, which might not appeal to homeowners seeking hands-on assistance, as noted in the USAA Homeowners Insurance Review.
Car Insurance in West Virginia Rates and Coverages After an Accident
Car insurance in West Virginia protects drivers financially after an accident. Rates vary, with USAA offering $30 for minimum coverage and Liberty Mutual charging $260 for full coverage. Comparing providers helps drivers find affordable options.
West Virginia After an Accident Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $79 | $212 |
| $64 | $173 |
| $73 | $198 |
| $65 | $176 |
| $96 | $260 |
| $61 | $164 |
| $68 | $184 |
| $34 | $93 |
| $53 | $143 |
| $30 | $80 |
After an accident, premiums can rise, so it is important to look for affordable alternatives. Discounts for auto insurance for active duty military and veterans allow troops to get lower premiums and customized policies, alleviating the burden on their pockets.
Car insurance pays for the expenses of accidents, ranging from damage to vehicles to medical bills. Choosing between minimum and full coverage depends on budget and needs. Comparing discounts and providers ensures the best protection at a fair price.
West Virginia’s Leading Car Insurance Providers with the Best Discounts After an Accident
West Virginia drivers can still save on car insurance after an accident through discounts from top providers. Multi-policy, safe driver, and good student discounts help lower premiums even with a past claim.
Car Insurance Discounts From the Top Providers for West Virginia After an Accident| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multi-Policy, Anti-Lock Brake, Early Signing, Good Student, Anti-Theft, Responsible Payer, Full-Pay |
| Multi-Policy, Good Driver, Low Mileage, Defensive Driving, Good Student, SmartRide (usage-based), Early-Bird, Young Driver Training |
| Multi-Policy, Signal (usage-based), Good Student, Anti-Theft, Homeowner, Paperless, Pay in Full |
| Multi-Policy, Multi-Car, Defensive Driving, Good Student, Anti-Theft, Military, Seatbelt Use, Airbag, Driver’s Education |
| Multi-Policy, Safe Driver, Hybrid Vehicle, Good Student, Anti-Theft, New Graduate, Violation-Free |
| Accident-Free, Multi-Policy, Paperless, SmartRide (usage-based), Good Student, Anti-Theft, Defensive Driving |
| Safe Driver, Multi-Policy, Multi-Car, Continuous Insurance, Homeowner, Sign Online, Paperless, Pay in Full, Snapshot (usage-based) |
| Accident-Free, Multi-Policy, Safe Driver, Good Student, Anti-Theft, Defensive Driving, Drive Safe & Save (usage-based) |
| Multi-Policy, Safe Driver, Continuous Insurance, Hybrid/Electric Vehicle, Homeowner, Early Signing, Good Payer |
| Multi-Policy, Safe Driver, Defensive Driving, Good Student, Anti-Theft, Military, Vehicle Storage, Accident Forgiveness |
Usage-based programs like SmartRide, Snapshot, and Drive Safe & Save reward safe driving. Discounts for anti-theft devices, hybrid cars, early signing, and full payments further reduce costs for policyholders.
Bundling policies and maintaining a good driving record maximize savings. Liberty Mutual offers 35% off for anti-theft devices, while Nationwide provides a 40% discount for safe driving habits.
West Virginia Report Card: Auto Insurance Discounts| Insurance Company | Anti-Theft | Bundling | Good Driver | Good Student | UBI |
|---|---|---|---|---|---|
| 10% | 25% | 25% | 20% | 30% |
| 25% | 25% | 25% | 20% | 30% |
| 10% | 20% | 30% | 15% | 30% |
| 25% | 25% | 26% | 15% | 25% |
| 35% | 25% | 20% | 15% | 30% |
| 5% | 20% | 40% | 15% | 40% |
| 25% | 10% | 30% | 10% | $231/yr |
 | 15% | 17% | 25% | 25% | 30% |
| 15% | 13% | 10% | 8% | 30% |
| 15% | 10% | 30% | 10% | 30% |
Drivers can get low-cost car insurance with driver discounts by combining multiple savings programs, such as paperless billing and telematics programs. Comparing providers ensures the best rates after an accident.
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Car Insurance Claims and Premiums After an Accident in West Virginia
Car insurance rates in West Virginia depend on accident trends and claim costs. Rear-end and single-vehicle accidents are most common, while theft claims, though rare, result in the highest payouts at $8,000.
5 Most Common Auto Insurance Claims in West Virginia| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collision | 29% | $4,000 |
| Single Vehicle Accident | 19% | $3,900 |
| Side-Impact Collision | 13% | $5,500 |
| Fender Bender | 11% | $3,000 |
| Theft Claim | 3% | $8,000 |
Cities like Charleston and Huntington see frequent accidents, leading to more claims. Higher claim rates push premiums up, making negotiating your car accident insurance settlement essential after a crash.
West Virginia Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Charleston | 2,300 | 2,100 |
| Huntington | 1,900 | 1,750 |
| Morgantown | 1,500 | 1,400 |
| Parkersburg | 1,200 | 1,100 |
| Wheeling | 1,000 | 950 |
West Virginia benefits from low traffic congestion, but theft and weather risks still impact claims. The uninsured driver rate is a concern, increasing costs for insured motorists in hit-and-run cases.
West Virginia Auto Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | A- | Low traffic congestion compared to national averages. |
| Average Claim Size | B+ | Claims tend to be moderately priced compared to neighboring states. |
| Vehicle Theft Rate | B | Vehicle theft is lower than the national average but still a concern. |
| Weather-Related Risk | B | Moderate risk due to occasional storms and winter conditions. |
| Uninsured Drivers Rate | C+ | Higher than average number of uninsured drivers in the state. |
Average claim sizes remain moderate but still affect rates. A driver’s record, location, and coverage level influence costs. Comparing quotes and adjusting coverage can help manage post-accident premiums.
Tips to Lower Your Car Insurance Rates After an Accident
A car accident can raise your insurance rates since insurers may now view you as a high-risk driver. However, by making smart choices, improving your driving habits, and exploring better options, you can work toward lowering your premiums.
Here are five crucial tips for lowering your vehicle insurance rates following an accident.
- Compare Insurance Rates: Compare quotes from different insurers to find lower premiums or accident forgiveness options.
- Take a Defensive Driving Course: Taking an approved course can reduce your premium by showing you have better driving skills.
- Increase Your Deductible: Having a higher deductible lowers your monthly premium but ensures that you can afford the out-of-pocket expense in case of necessity.
- Enhance Your Credit Score: Timely payment of bills and lowering debt can reduce your insurance premium since most insurers include credit history in their calculations.
- Maintain a Clean Driving Record: Not having traffic convictions or accidents over time will return your record to that of a lower-risk driver.
Higher insurance rates after an accident don’t have to be permanent. By exploring discounts, comparing policies, and maintaining safe driving habits, you can gradually reduce costs. Check for the best car insurance for high-risk drivers for better options.
West Virginia’s Car Insurance Requirements
West Virginia mandates that drivers have car insurance for financial safeguarding. Liability limits are minimums of $25,000 per individual, $50,000 per accident for bodily harm, and $25,000 for property. Most drivers go beyond the limits for added protection.
Not having insurance may result in fines, license suspension, or criminal prosecution. Police verify insurance status when a driver is pulled over or has an accident. Understanding how fault is determined in a rear-end collision informs drivers about claim obligations and coverage requirements.
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In addition to compliance with the law, the proper insurance policy provides peace of mind and financial security. When choosing coverage, consider limits, deductibles, and add-ons like uninsured motorist protection to ensure you’re fully protected.
Top Car Insurance Options for Drivers With Accidents in West Virginia
Finding the best car insurance after an accident in West Virginia is possible with the right insurer. Geico offers budget-friendly premiums, Progressive provides accident forgiveness to prevent rate hikes, and Allstate excels in claims support and coverage.
To save even more, drivers can explore the best multi-policy car insurance discounts, which may enable them to package auto insurance with other products for additional savings. Finding cheaper insurance rates is as easy as entering your ZIP code into our free quote comparison tool.
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Frequently Asked Questions
Which insurance policy has the best claim settlement?
Policies from insurers like State Farm tend to offer smooth claim settlements with high payout reliability. Look at our negotiating your car accident insurance settlement for expanded insights.
What is the maximum the insurance company will pay per accident?
The payout limit depends on the policy, with higher coverage options offering more protection from severe accidents. Ready to find cheaper car insurance coverage? Enter your ZIP code to begin.
How many types of claims are there in insurance?
Common types include liability, collision, comprehensive, uninsured motorist, and personal injury claims.
What is full coverage auto insurance in WV?
Full coverage in West Virginia typically includes liability, collision, comprehensive, and uninsured motorist protection for broader financial security. Dive into our full coverage auto insurance to gain a deeper insight.
What is the minimum car insurance in West Virginia?
Drivers must carry liability and uninsured motorist coverage to meet the state’s minimum insurance requirements.
How long does it take for a car insurance claim to settle?
Claim settlement timelines vary but can range from a few days to several weeks, depending on complexity.
Which form of private insurance is usually the least expensive?
Liability-only insurance is typically the most affordable, covering damages to others but not the policyholder’s vehicle. Explore our best liability-only car insurance for more insights.
How much is the no-insurance fee in Virginia?
Drivers without insurance in Virginia face a fine and potential license suspension if they fail to meet coverage requirements. See if you’re getting the best deal on car insurance by entering your ZIP code here.
How much is car insurance in West Virginia?
Car insurance rates in West Virginia depend on factors like age, driving history, and coverage level, with rural areas often seeing lower premiums.
What insurance company has the best accident forgiveness?
Nationwide and Allstate are known for strong accident forgiveness programs, allowing drivers to avoid rate hikes after their first at-fault accident. Read more in our car accidents & determining fault.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.