Cheapest Auto Insurance in Parkersburg, West Virginia (2024)

State Farm offers the cheapest car insurance in Parkersburg, with rates starting at $32 per month.

Amy Beardsley
Written byAmy Beardsley
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Amy BeardsleyInsurance Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Updated October 30, 2024

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Cheapest recent rates near Parkersburg, West Virginia

Drivers in and around Parkersburg, West Virginia have found policies from State Farm, Liberty Mutual, Direct Auto, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Parkersburg, West Virginia within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Parkersburg, West Virginia within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

In Parkersburg, West Virginia, residents generally pay about $119 per month for car insurance. This is slightly less than the national average of $158. This more affordable rate is likely due to Parkersburg’s mostly rural setting and the low number of uninsured drivers.[1] Additionally, the Parkersburg Police Department noted fewer reported crimes in 2023 than in 2022, further reducing insurance costs.[2]

However, while costs are already lower in Parkersburg, you can reduce your insurance costs even more. Here’s how.

Quick Facts
  • State Farm offers the cheapest liability coverage in Parkersburg, at $32 per month.

  • West Virginia allows insurers to review your credit history when setting rates during the underwriting process.

  • West Virginia has a two-year lawsuit deadline and a modified comparative fault rule.

Cheapest car insurance companies in Parkersburg

You have multiple options when choosing an auto insurance company in Parkersburg, and the best way to find the most affordable insurance for you is to compare quotes from several insurers.

Among all insurers in the city, State Farm, USAA, and Erie often stand out as the cheapest. Here’s an overview of each company to see if it’s the right fit for you. You’ll also find their statewide average quotes for full-coverage and liability-only car insurance.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm9.3$56$33Young drivers
USAA9.4$68$40Military members
Erie9.0$68$40Collision coverage
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for young drivers: State Farm

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$32/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$54/mo
4.2
Best choiceBased on 8831 verified guest reviews and ratings
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,847)

Jannie

October 29, 2024

Verified Review

Good

The insurance is higher than other companies' policies.

Marsha

October 29, 2024

Verified Review

Friendly agents!

Check out their prices!

Linda

October 29, 2024

Verified Review

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

West Virginia has more than 117,000 drivers who are younger than 25.[3] Consider State Farm’s Steer Clear program if you’re one of them. The app can qualify you for a discount of up to 15% and help you improve your driving skills. State Farm also has a local presence, with five agents in Parkersburg to offer personalized service to manage your insurance policy.

Pros
  • Often offers the cheapest rates for liability and full coverage in Parkersburg

  • Multiple student and young driver discounts to lower premiums

  • High J.D. Power customer satisfaction rating

Cons
  • 13 NAIC complaints in West Virginia filed in 2022

  • Doesn’t offer gap insurance

  • May not be affordable for drivers with poor credit

Best insurer for military members: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$38/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$64/mo
4.9
Best choiceBased on 1573 verified guest reviews and ratings
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (897)

Kent

October 29, 2024

Verified Review

Excellent

The insurance is a bit high.

Dorothy

October 29, 2024

Verified Review

Significant Increase in Policy Payment

Be cautious not to have an accident, as my policy payment increased by $300 a month.

Martin

October 29, 2024

Verified Review

My Opinion

They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

If you’re one of the thousands of veterans living in Wood County, consider USAA auto coverage. It’s one of the top 10 insurance companies in the U.S. and consistently earns the top spot in overall customer satisfaction from J.D. Power. You’ll find several policy options and discount opportunities, making it a great choice for veterans looking for quality coverage.

Pros
  • Customizable coverage with various policy options

  • A++ financial strength from AM Best

  • Retains more than 96% of customers

Cons
  • Only available to military members and their families

  • No physical insurance agency locations

  • Doesn’t offer 24/7 customer service by telephone

Best insurer for collision coverage: Erie

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$39/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$65/mo
4.1
Best choiceBased on 231 verified guest reviews and ratings
How drivers feel about Erie Insurance

Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.

AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance

Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.

AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (119)

Satina

October 28, 2024

Verified Review

Erie Insurance Unreliable

The service is not good, and they are unclear about some policy benefits like 24-hour towing, which is non-existent but included in the policy.

Lana

October 25, 2024

Verified Review

Expensive but Efficient Company

Erie provides excellent claims service if you ever need it, but their rates are fairly expensive. I've been with them for 55 years.

Shannon

October 19, 2024

Verified Review

Could be Better

I had an unfortunate accident and they were very helpful at the time managing the claim, so the company was great. My rate did go up which I expected and it was reasonable at the time. When my policy was supposed to renew the following year, they wanted to again increase my rate by almost $100 per month. The insurance broker I dealt with was very rude when I called about canceling my policy because unfortunately, I can't afford that kind of increase as a single parent with one income.
See all Erie Insurance reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Even the safest drivers can have a car accident, and crashes are quite common in West Virginia.[4] Fortunately, Erie can make the experience less stressful. J.D. Power gives the company’s claims process a high rating. You can also get benefits like first accident forgiveness and easy car replacement coverage to get back on the road quickly.

Pros
  • Six Parkersburg agents for personalized service

  • High J.D. Power customer satisfaction rating

  • No NAIC complaints in West Virginia filed in 2022

Cons
  • Limited discounts compared to other insurers

  • Mobile app has low customer reviews

  • No usage-based coverage option

How to get the cheapest car insurance in Parkersburg

To get affordable premiums on car insurance in Parkersburg, it’s crucial to understand the factors that influence rates. Insurers look at your driving history, vehicle type, coverage amount, and personal information like age, gender, marital status, and ZIP code.

Here are a few strategies to help you find the cheapest car insurance year after year:

  • Compare insurance quotes from different companies. Looking at different rates will help you get the best deal.

  • Ask about discounts. Insurers can offer different discounts, including savings for new customers. Asking may help you find a discount you didn’t know existed.

  • Keep your credit score high. Auto insurers can review your credit history when determining your quote. A higher credit score can often lead to lower rates.

  • Maintain a clean driving record. A driving record free of violations can qualify you for lower car insurance rates.

Find Cheap Car Insurance in Parkersburg, WV

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Cheapest liability-only car insurance in Parkersburg: State Farm

Liability-only car insurance is crucial for covering bodily injuries and property damage you may cause to others in an auto accident. However, it’s important to remember that minimum coverage doesn’t extend to your or your passengers’ injuries or damage to your vehicle.

The average rate for liability-only car insurance in Parkersburg is $85 per month. The table below shows the insurance companies that offer the lowest rates, along with their average monthly quotes.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
State Farm$32
USAA$38
Erie$39
GEICO$59
National General$64
Progressive$69
Nationwide$73
Liberty Mutual$75
Direct Auto$76
Clearcover$78
Allstate$81
Dairyland$87
Foremost$95
CSAA$99
Midvale Home & Auto$99
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Parkersburg: State Farm

Full-coverage car insurance offers more of a safety net than liability-only insurance. It includes liability, comprehensive, and collision coverages to protect your vehicle from accidents, theft, vandalism, and other incidents beyond third-party liability. The added protection is helpful if you drive a new, leased, or financed vehicle.

The average rate for liability-only car insurance in Parkersburg is $153 per month. Here, you can see the average cost from various Parkersburg insurance companies.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
State Farm$54
USAA$64
Erie$65
GEICO$98
Progressive$116
Nationwide$122
Allstate$136
National General$139
Midvale Home & Auto$145
Clearcover$157
Direct Auto$163
Liberty Mutual$177
CSAA$189
Foremost$235
Dairyland$240
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Parkersburg, West Virginia

Drivers in and around Parkersburg, West Virginia have found policies from Direct Auto, Allstate, Root, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Parkersburg, West Virginia within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Parkersburg, West Virginia within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in West Virginia

If you’re in a traffic accident, you need to know what the state requires. First, understand that West Virginia has a two-year deadline for filing car accident lawsuits.[5] West Virginia drivers must also be aware of the “modified comparative fault” rule. This means you can only get financial compensation if you’re less responsible for the accident than the other person involved.

The West Virginia Division of Motor Vehicles (DMV) uses a real-time program to verify insurance at vehicle registration, during traffic incidents, and monthly for all registered vehicles.[6] Your policy must have uninsured motorist coverage and meet the minimum insurance coverage levels below:

Coverage
Minimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000
Uninsured motorist bodily injury$25,000 per person / $50,000 per accident
Uninsured motorist property damage$25,000

While the table above provides insight into your minimum requirements, you can obtain coverage that exceeds these limits. If you’re looking for additional insurance protection, you may want to consider the following optional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision and comprehensive coverage

    Collision and comprehensive coverage pay for repairs to your vehicle in case of accidents (collision) or non-collision incidents, like theft or natural disasters (comprehensive).

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage protects you if you’re in an accident caused by a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages and medical expenses.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage helps with medical expenses for you and your passengers, regardless of who’s at fault in an accident.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Gap insurance covers the difference between what your totaled or stolen car is currently worth and the amount you still owe on your loan.

  • illustration card https://a.storyblok.com/f/162273/100x100/26eb27a188/rideshare-coverage.svg

    Rideshare coverage

    Rideshare insurance provides additional protection beyond personal auto insurance and the coverage provided by the rideshare company.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Towing and labor coverage

    Towing and labor coverage offers assistance with towing and labor costs in case your vehicle breaks down.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car coverage

    Rental car coverage pays for the cost of a rental car while your vehicle undergoes repairs after an insured incident.

Cheapest car insurance for drivers with an incident

Drivers who have incidents like at-fault accidents, speeding tickets, driving under the influence, or other traffic violations on their driving record can expect higher car insurance rates. Insurance companies assess your driving history when setting rates. Incidents on your record can label you as a high-risk driver, implying you’re more likely to have a future accident or claim.

The average rate for liability-only car insurance with an at-fault accident on your record in Parkersburg is $141 per month. Drivers with a speeding ticket can expect to pay about $143 per month, and rates climb to $158 if you have a DUI on your record.

In the table below, you can see how quotes from top insurers fluctuate based on your driving record.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Speeding Ticket
With At-Fault Accident
With DUI
State Farm$32$45$46$56
USAA$38$54$55$67
Erie$39$57$58$68
GEICO$59$84$86$103
National General$64$92$94$112
Progressive$69$99$102$121
Nationwide$73$105$107$128
Liberty Mutual$75$115$117$132
Direct Auto$76$109$113$133
Clearcover$78$113$122$137
Allstate$81$116$118$142
Dairyland$87$125$126$153
Foremost$95$146$148$167
CSAA$99$145$150$174
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Age significantly affects car insurance rates. Teens and drivers younger than 25 often face the highest premiums due to their inexperience and higher accident risk. Rates typically become much more affordable once you’re in your 30s. However, they start to climb again once you reach the age of 70 as reduced faculties increase your risk of being involved in an accident.

The following table shows the average rate for car insurance across different ages.

Age
Average Monthly Quote
Teens$367
20s$229
30s$169
40s$152
50s$129
60s$121
70s$133
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Car Insurance in Parkersburg, West Virginia

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Parkersburg car insurance quotes by credit tier

In West Virginia, auto insurers can legally consider your credit history when setting quotes. Excellent or good credit indicates financial reliability and often leads to lower insurance costs. Poor credit suggests a higher risk for insurers, driving up your rates. Maintaining good credit can help you pay less for coverage.

As you’ll see in the table below, credit scores play a crucial role in your car insurance costs.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Parkersburg car insurance FAQs

If you’re looking for more information to help you find the best car insurance rates in Parkersburg, consult the answers below.

  • How much is car insurance in Parkersburg?

    The average monthly rate for car insurance in Parkersburg is $119. This is slightly less than the national average of $158. The average rate for liability-only coverage is $85, and the average monthly rate for full coverage is $153.

  • Who has the cheapest car insurance in Parkersburg?

    State Farm offers the cheapest car insurance in Parkersburg, at $32 per month. USAA and Erie also offer cheap car insurance in the area, at $38 and $39 per month, respectively.

  • What are the best car insurance companies in Parkersburg?

    Erie Insurance, State Farm, and USAA rank as three of the top insurers in Parkersburg. All three offer competitive rates in the area, and each has been recognized for its customer service, number of discounts, customer satisfaction scores, and financial stability.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
  2. The Parkersburg News and Sentinel. "Just the Facts: Parkersburg Police chief discusses 2022 crime stats."
  3. U.S. Department of Transportation. "Licensed Drivers, by state, gender, and age group."
  4. IIHS. "Fatality Facts 2021 State by state."
  5. NOLO. "West Virginia Car Accident Laws."
  6. West Virginia DMV. "Consumer Insurance Information."
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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