Best Auto And Home Insurance In West Virginia

West Virginia residents pay an average of $987 per year for $300,000 of dwelling coverage for home insurance. The average cost of car insurance in West Virginia is $1,498 per year. The cheapest car insurance coverage in West Virginia is minimum-liability coverage, which costs an average of $522 per year. The cheapest full-coverage car insurance in West Virginia is offered by Erie Insurance at $1,680 per year.

Best home insurance in West Virginia

When looking for the best home insurance in West Virginia, it's important to consider a range of factors, including cost, coverage options, customer satisfaction, and financial strength. Here are some of the top home insurance companies in West Virginia:

State Farm:

State Farm is a well-established insurer that offers a wide range of coverage options and has a user-friendly website. Their average annual premium in West Virginia is $1,470, which is below the state average. They also provide personalized service through their network of agents and offer additional coverage for your home's structure.

Erie:

Erie is known for its competitive rates and exceptional customer service. They offer guaranteed replacement cost coverage for the structure of your home, meaning they will pay to rebuild it completely after a disaster, regardless of the dwelling limit. Erie also provides discounts for bundling home and auto insurance and for having safety and security features in your home.

Nationwide:

Nationwide stands out for its broad range of coverage options and discounts. Their website and mobile app offer convenient features for managing your policy, and they provide multiple avenues for customer assistance, including a 24/7 customer service hotline.

USAA:

USAA is highly regarded for its military-focused coverage and is available to active military, veterans, and their families. They offer replacement cost coverage and include coverage for military uniforms damaged while on active duty or reserve duty. USAA also provides valuable personal property insurance and home protector insurance, which increases coverage for high-value items.

Allstate:

Allstate offers affordable rates and a variety of coverage options, including green improvement reimbursement and host advantage protection. They also provide discounts for new homebuyers, responsible payers, and loyal customers.

When choosing a home insurance company in West Virginia, it's essential to compare quotes, consider your specific needs, and select a provider that offers the coverage and features most relevant to your situation.

Cheapest home insurance in West Virginia

The average cost of home insurance in West Virginia is $987 per year for $300,000 of dwelling coverage, which is below the national average of $2,270. However, your rate may differ based on factors such as your credit history and the age and condition of your home.

Cheapest Home Insurance Companies in West Virginia

According to Bankrate, the cheapest home insurance companies in West Virginia are:

• USAA
• Allstate
• State Farm

NerdWallet also names State Farm as the best for affordability, with an average annual premium of $1,470, which is below the state average of $1,600.

USAA is also named as the cheapest option by U.S. News, with an average annual premium of just over $925. However, USAA insurance is only available to active military, veterans, and their families.

Best car insurance in West Virginia

The best car insurance in West Virginia will depend on your individual needs and circumstances. Here are some of the top providers in the state:

Erie Insurance: Best for Basic Insurance Coverage

Erie Insurance offers some of the cheapest car insurance rates in West Virginia, especially for young drivers. The company has a number of benefits and add-ons, including roadside assistance, rental car coverage and auto glass repair. Erie also performed well in several J.D. Power U.S. Auto Insurance Studies.

USAA: Best for Military Members

USAA provides cheap auto insurance for many drivers in West Virginia, but only military members, veterans and their immediate families qualify for coverage. The insurer has high customer satisfaction ratings and consistently ranks among the most affordable providers.

State Farm: Best Customer Experience

State Farm is a good option for students in West Virginia, offering a 20% discount for young drivers who improve their skills through the Steer Clear® app. State Farm also offers a 25% student discount, the best in the industry. The company provides good customer service to everyone and has the best student discount in the industry.

Progressive: Best for Tech-Savvy Drivers

Progressive is a good option for high-risk drivers in West Virginia, with poor credit or at-fault accidents on their records. The company allows you to compare car insurance quotes from other insurance companies on its website. West Virginia drivers can use the Progressive Snapshot® program to save money based on their driving habits.

Farmers: Cheap for Young Drivers

Farmers Insurance stands out as a dependable provider, offering affordable minimum-coverage rates for adult drivers and reasonable rates for new teen drivers in West Virginia. The company has a reputation for being reliable on both a national and state level.

Other providers

Other large insurance companies that rank among the most affordable insurance providers in West Virginia include Geico and Nationwide.

Cheapest car insurance in West Virginia

When it comes to finding the cheapest car insurance in West Virginia, there are a few things to consider. Firstly, it's worth noting that the cost of car insurance can vary depending on age, driving history, and credit score, among other factors.

To find the cheapest car insurance in West Virginia, it is recommended to compare rates from multiple insurance providers. Some of the insurance companies that offer cheap car insurance in West Virginia include:

• Grange Insurance Association
• GEICO
• USAA
• Erie Insurance
• State Farm
• Progressive
• Nationwide

It is also worth considering the level of coverage required, as minimum coverage policies are typically cheaper than full coverage policies. Additionally, there are certain discounts that may be available, such as good driver discounts, student discounts, and multi-policy discounts, which can help lower the cost of car insurance.

Average cost of car insurance in West Virginia

The average cost of car insurance in West Virginia depends on the type of coverage you choose. The average cost of full coverage car insurance in the US is $2348 per year, while minimum coverage costs an average of $639 per year. In West Virginia, the monthly average cost of car insurance for drivers is $196 for full coverage and $53 for minimum coverage.

The cost of car insurance varies between states due to factors such as accident and claim frequency, the cost of labour and vehicle parts, vehicle theft frequency, and road conditions. The coverage levels you choose will also play a significant role in determining the cost.

According to Bankrate's research, the cheapest car insurance in West Virginia is offered by USAA, Erie, and Geico. However, car insurance costs can vary based on individual factors such as age, gender, driving record, credit score, and vehicle type. It is recommended to compare quotes from multiple providers to find the best coverage at the most competitive price.

Frequently asked questions