Cheap Auto Insurance Quotes in Charleston, WV (January 2022)

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Car Insurance in Charleston, WV

The average cost of West Virginia car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Charleston, WV to find you the cheapest quotes in the area.
$67
$109
$115
ProgressiveState FarmNationwide

Cheapest Car Insurance in Charleston, WV

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$104
$126
$80
$123
$96
$97
West VirginiaHuntingtonMorgantownParkersburgWheelingCharleston
Click here to learn about car insurance quotes and save on your current policy.

Charleston, WV Driving Facts

west-virginia

Minimum Car Insurance Requirements in WV

The state of West Virginia requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum  bodily injury liability insurance requirements in West Virginia are:

  • $25,000/$50,000 Bodily Injury Liability per person/accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits West Virginia state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liability insurance requirements in West Virginia are:

  • $25,000 Property Damage Liability per accident

Property Damage Liability coverage pays for any property that you damage in an accident. The state of West Virginia requires $25,000 for the minimum. You’ll see the collective state minimum listed at 25/50/25. The second 25 refers to the Property Damage Liability. Once again, any damages above the $25,000 are your responsibility.

Find local Charleston agents

Mountain State Insurance Agency 
1206 Kanawha Blvd. E, Charleston, WV 25301
C.B. Hall Insurance Agency, Inc. 
239 Capitol Street, Charleston, WV 25301
Hoppy Shores Agency 
804 Kanawha Blvd East, Charleston, WV 25301
McGriff Insurance Services, Inc. 
300 Summers Street, Charleston, WV 25301
Innovative Insurance Solutions LLC 
5036 Washington St W, Charleston, WV 25313-1552
Integrity Insurance Group LLC 
184 Summers St. Suite 310, Charleston, WV 25301
USI INSURANCE SERVICES 
One Hillcrest Dr E, Charleston, WV 25311-1622
George H. Friedlander Company 
1566 Kanawha Blvd E, Charleston, WV 25311-2413
Jim Lively Insurance, Inc. 
524 Kanawha Blvd E, , Charleston, WV 25311
Dorsey Insurance Group Inc. 
509 50Th St Se, Charleston, WV 25304-2023

Insurify Insights: How Charleston Drivers Measure Up

hyundai
Hyundai Sonata
Most Popular Car in
Charleston, WV
suspended licenses
#6
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Charleston drivers measure up to their fellow West Virginia motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Charleston

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Charleston drivers rank 6 in the number of car accidents per driver across all cities in West Virginia.

  • Rank within state: #6
  • Percent of drivers in Charleston with an accident: 7.99%
  • Drivers in Charleston, WV with an accident in their driving history paid on average 56.47% more than drivers with a clean record

Speeding in Charleston

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in West Virginia, Charleston drivers rank 8 in the number of speeding infractions per driver.

  • Rank within state: #8
  • Percent of drivers in Charleston with a speeding ticket: 6.48%
  • Drivers in Charleston, WV with a speeding ticket in their driving history paid on average 79.41% more than drivers with a clean record

DUI/DWIs in Charleston

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Charleston drivers rank 6 in the number of DUI’s per driver across all cities in West Virginia.

  • Rank within state: #6
  • Percent of drivers in Charleston with a DUI: 2.27%
  • Drivers in Charleston, WV with a DUI in their driving history paid on average 50% more than drivers with a clean record

Rude in Charleston

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in West Virginia, Charleston drivers rank 4 in rude driving infractions.

  • Rank within state: #4
  • Percent of drivers in Charleston with a reckless driving violation: 1.19%
  • Drivers in Charleston, WV with a reckless driving violation in their driving history paid on average --% more than drivers with a clean record.

Safest Drivers in Charleston

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Charleston drivers rank 1 in clean driving records across all cities in West Virginia.

  • Rank within state: #1
  • Percent of drivers in Charleston with clean record: 85.64%

Failure to Yield the Right of Way in Charleston

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Charleston drivers rank 4 in failure to yield violations per driver across all cities in West Virginia.

  • Rank within state: #4
  • Percent of drivers in Charleston with a failure to yield violation: --%
  • Drivers in Charleston, WV with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Charleston

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in West Virginia, Charleston drivers rank 2 in the number of reckless driving offenses per driver.

  • Rank within state: #2
  • Percent of drivers in Charleston with a reckless driving offense: 0.11%

Most Popular Vehicle in Charleston

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Charleston is the Hyundai Sonata.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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