Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 5, 2020

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If you have just moved to West Virginia or are planning to move there in the near future, understanding car insurance regulations in the area is important, especially if you will be driving a lot.

Top 10 West Virginia Car Insurance CompaniesAs you may already know, car insurance rates vary greatly from state to state, and even more greatly from one car insurance company to another. Find the right coverage today with our FREE ZIP code search!

Before choosing any insurance company for your West Virginia car insurance policy, it is important to ascertain that indeed they are capable of providing high quality services and most importantly, meeting your needs.

You will be safe if you purchase your car insurance coverage from one of the leading auto insurance providers. Knowing the top car insurance companies in this case is therefore important.

To help you in choosing, here are the top 10 West Virginia car insurance companies, in no particular order:

  1. Allstate
  2. GEICO
  3. State Farm
  4. Progressive
  5. Nationwide
  6. AIG
  7. Farmers
  8. The Hartford Insurance Company
  9. Prudential
  10. Fidelity

This represents only about 10% of all insurance providers, as there are over 80 insurance companies providing services in West Virginia. There are also smaller companies which you may not hear of, but which nevertheless provide equally great services.

All you have to do is find them. You will need to look at more than just the name when choosing the best car insurance company.

Table of Contents

How then can I choose the best car insurance company?

There are a number of factors you need to consider, the most important of which we discuss below:

Reliability

One trend all the major insurance companies listed above have is consistency, which leads to reliability. Before choosing an insurance provider, carry out some research on their operations, going as far back as 10 years if they have been around for that long.

A good company is one that has managed to grow gradually, increasing not just in profits but in client base too.

If more and more people are joining the company and old customers are still with the company, it means the company has what the customers need.

Stability

Choose a company that is financially stable, and one that is expected to remain in business for a while.

The best way to determine an insurance company’s stability is by checking its rating as given by independent rating agencies such as J.D. Powers and Associates, Standard & Poor’s and A.M Best.

These companies evaluate each insurance company annually, giving very objective and unbiased results.

The higher a company is ranked (AAA), the more stable it is considered to be. Ideally, you should be comfortable dealing with companies with a B rating and above. This is where top car insurance companies fall.

Customer Satisfaction

Ranking the Top 10 West Virginia Car Insurance CompaniesCustomer satisfaction is largely influenced by the kind of service provided. Does the company have a reliable customer support department? You should be able to reach the company at all times, even late at night and on weekends and holidays.

After all, if an accident happens at these times, they are the first people you will need to call. What happens then if they are inaccessible?

Check whether there are any customer complaints filed with the insurance department. Go through both resolved and unresolved cases. You intention should be to identify whether a fair decision was reached in all cases.

If from your judgment the settlement was fair and just, that is a good company to get involved with. If on the other hand there are too many unresolved or unfairly settled cases, you may want to stay way from such a company.

Company Reputation

What is the general perception of the company? This includes the kind of feedback the company receives, the general population’s attitude and feelings about the company and the kind of press it attracts.

If there is little positivity about the company, have nothing to do with it. One of the ways to stay safe from companies whose reputation is unknown is by choosing a company that has been in business for a long time.

Legitimacy

This is the first thing you should look at when choosing a car insurance provider. Check whether the company is registered with the Department of Insurance in the state. Check also that it is licensed to operate in West Virginia.

Comparing Car Insurance Companies

The only way to evaluate all the above with ease is by comparing car insurance companies. One of the easiest ways to carry out comparison is by using a comparison website.

These websites use web-based tools to gather data from tens of insurance companies on their networks. When you compare insurance providers from a comparison website, you receive results from five or more car insurance providers.

Comparing quotes allows you to see the different features of the same policy as offered by different insurance companies, thus ensuring that you choose what suits you best.

You can choose a deductible that you are comfortable paying. You can see who has more discounts which you can benefit from.Top 10 Car Insurance Companies in West Virginia

Car insurance quotes comparison only helps you get the rates and analyzed policy features from different insurance companies. You still have to make the choice on your own. However, choosing becomes much easier when you have each provider’s offer at hand.

Note that you can still negotiate for a lower rate once you have received your quote results. Simply contact the insurance company directly to discuss your car insurance needs. This will help in getting a customized car insurance policy as well as revised rates.

Enter your ZIP code below and start comparing rates for FREE!