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Cheap Auto Insurance Quotes in Charleston, WV (2023)
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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.
Quick Facts
The average cost of car insurance in Charleston is $186 per month, or $2232 annually.
Car insurance in Charleston is $8 less than the average cost of car insurance in West Virginia.
The cheapest car insurance provider in Charleston on average is Progressive, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
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.
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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!
| Insurance Provider in Charleston | Quotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Progressive | $67 /mo |
| State Farm | $109 /mo |
| Nationwide | $115 /mo |
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Average Car Insurance Cost
| West Virginia Cities | |
|---|---|
| Huntington | $126/mo |
| Morgantown | $80/mo |
| Parkersburg | $123/mo |
| Wheeling | $96/mo |
| Charleston | $97/mo |
| West Virginia | $104/mo |
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.
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in West Virginia
All motor vehicles operated or parked on West Virginia roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
Requested by law enforcement
Renewing vehicle registration
The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in West Virginia[1] are:
$25,000 per person for bodily injury
$50,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. West Virginia is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
$25,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
$25,000 per person for uninsured/underinsured motorist bodily injury
$50,000 per accident for uninsured/underinsured motorist bodiliy injury
$25,000 per accident for uninsured/underinsured motorist property damage
Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In West Virginia, motorists are required to purchase the same level of insurance for this coverage as liability coverage.
Find local Charleston agents
Mountain State Insurance Agency
1206 Kanawha Blvd. E,
Charleston, WV 25301C.B. Hall Insurance Agency, Inc.
239 Capitol Street,
Charleston, WV 25301Hoppy Shores Agency
804 Kanawha Blvd East,
Charleston, WV 25301McGriff Insurance Services, Inc.
300 Summers Street,
Charleston, WV 25301Innovative Insurance Solutions LLC
5036 Washington St W,
Charleston, WV 25313-1552Integrity Insurance Group LLC
184 Summers St. Suite 310,
Charleston, WV 25301USI INSURANCE SERVICES
One Hillcrest Dr E,
Charleston, WV 25311-1622George H. Friedlander Company
1566 Kanawha Blvd E,
Charleston, WV 25311-2413Jim Lively Insurance, Inc.
524 Kanawha Blvd E,
, Charleston, WV 25311Dorsey Insurance Group Inc.
509 50Th St Se,
Charleston, WV 25304-2023
For more detailed West Virginia city level guides, check out these below.
Most Patriotic City
Charleston
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Wheeling won Insurify's Most Patriotic Cities Award for the state of West Virginia. The city is notable for remaining loyal to the Union during the Civil War, precipitating the establishment of the state of West Virginia.
FAQs - Charleston, WV Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.
Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
Insurify Insights
How Charleston Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Charleston, West Virginia below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Charleston drivers measure up to their fellow motorists across West Virginia in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Ford F-Series Pickup
Most Popular Car in Charleston
#13
City with the Most Speeding Tickets Rank in West Virginia
#20
City with the Most Moving Violations Rank in West Virginia
#11
City with the Most DUIs Rank in West Virginia
#5
City with the Most Suspended Licenses in West Virginia
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 18 in the number of car accidents per driver across all cities in West Virginia.
- Rank within state: #18
- Percent of drivers in Charleston with an accident: 7.2%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Charleston drivers rank 11 in the number of DUI’s per driver across all cities in West Virginia.
- Rank within state: #11
- Percent of drivers in Charleston with a DUI: 1.5%
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 13 in the number of reckless driving offenses per driver.
- Rank within state: #13
- Percent of drivers in Charleston with a reckless driving offense: 0.8%
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 12 in rude driving infractions.
- Rank within state: #12
- Percent of drivers in Charleston with a reckless driving violation: 1%
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 13 in the number of speeding infractions per driver.
- Rank within state: #13
- Percent of drivers in Charleston with a speeding ticket: 7.8%
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Charleston drivers rank 6 in clean driving records across all cities in West Virginia.
- Rank within state: #6
- Percent of drivers in Charleston with clean record: 81.4%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Charleston drivers rank 6 in hybrid and electric vehicle ownership across all cities in West Virginia.
- Rank within state: #6
- Percent of drivers in Charleston with a hybrid/electric vehicle: 1.05%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Sources
- West Virginia Insurance Commisioner. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
Insurance Writer
