Cheapest Auto Insurance in Charleston, West Virginia (2024)

State Farm offers the cheapest car insurance in Charleston, with minimum-coverage policies as low as $34 per month.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
  • 7+ years writing insurance and personal finance content

  • Contributor to top media, including USA Today

A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated June 12, 2024

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Cheapest recent rates near Charleston, West Virginia

Drivers in and around Charleston, West Virginia have found policies from GEICO, State Farm, Allstate, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Charleston, West Virginia within the last 10 days. Last updated on June 12, 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Charleston, West Virginia within the last 10 days. Last updated on June 12, 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Charleston, the capital city of West Virginia, has roots dating back to the late 1700s. Though it’s the most populous city in the Mountain State, Charleston has a population of only about 47,000.[1] Drivers in Charleston pay an overall average of $131 per month for car insurance. That’s slightly higher than the state’s average cost of car insurance of $124.

The cost of car insurance in West Virginia is a little less than the overall national average of $160 per month. In less populated areas, drivers typically face a decreased risk of traffic accidents and property damage because fewer drivers are on the road. This may decrease the overall cost of car insurance for drivers in the area.

Here’s what you should know about finding cheap car insurance coverage in Charleston, West Virginia.

Quick Facts
  • Charleston drivers pay $82 per month for liability-only coverage and $181 for full coverage, on average.

  • State Farm is the cheapest car insurance company in Charleston for full coverage, with a monthly rate of $57.

  • Charleston drivers with incidents on their records pay an average of $127 per month for liability coverage.

3 of the cheapest car insurance companies in Charleston

Insurance companies take many factors into account when determining your premiums, including your age, ZIP code, vehicle type, and driving record.

Every company takes a slightly different approach to calculating premiums and assessing the risk you pose, which means you may get significantly different quotes across companies. Shopping around can help you lock in the best coverage for your situation.

Find more information below about three of the top insurance companies in Charleston that consistently offer low average rates and quality coverage.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$55$33Cheap rates
USAA4.7$66$39Veterans
Erie4.6$66$40Families
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.
  • Our editorial team spent 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$34/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.
$57/mo

State Farm offers some of the cheapest rates for Charleston drivers looking for affordable car insurance policies. Policyholders can save more money from one or more of the company’s 10 advertised discounts. The company earned an A++ (Superior) financial strength rating from AM Best.   

Pros
  • Above-average J.D. Power customer satisfaction rating in the Mid-Atlantic region

  • Offers rideshare insurance

Cons
  • Gap insurance not available

  • Accident forgiveness not available

Read our State Farm review
Ray - June 11, 2024
Verified

Took months to get an adjuster for my water leak in the house

Find someone else.

George - June 11, 2024
Verified

Thinking about Switching

Shop around, the prices could be better.

Lawrence - June 11, 2024
Verified

Feels Like Someone's Watching Me, I'm Not Switching

Where did you get the idea that I was switching? That's untrue. I'm in good standing with my current insurance company.

Best insurer for veterans: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$41/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.
$68/mo

USAA provides affordable rates for Charleston drivers. The company only works with and sells coverage to active and reserve military members, veterans, and qualified family members. USAA tailors coverage to benefit military members, with discounts for storing your car during deployment or simply garaging your car on a military base. The company earned an A++ (Superior) financial strength rating from AM Best.

Pros
  • SafePilot program rewards safe drivers with a discount of up to 30%

  • Variety of discounts

Cons
  • Coverage only available for active and former military members and their families

  • No 24/7 customer service

Read our USAA review
Harold - June 9, 2024
Verified

Great

I have been with them for 30 years.

Margaret - June 8, 2024
Verified

Very Happy Customer

My experience has been very good, so I would definitely recommend this company to anyone who qualifies for coverage.

Larry - June 8, 2024
Verified

Fantastic

It's great and cheaper than any other insurance companies.

Best insurer for families: Erie

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
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.
$41/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.
$69/mo

Erie has affordable average car insurance rates for Charleston drivers. Families can benefit from a number of savings opportunities, including the company’s Rate Lock feature and youthful driver, college student, and multi-policy discounts. The company boasts an A+ (Superior) financial strength rating from AM Best.

Pros
  • Offers other insurance products, like life insurance, renters insurance, and home insurance

  • Top J.D. Power customer satisfaction rating in the Mid-Atlantic region

Cons
  • Limited online services for customers

  • No usage-based insurance policies

Read our Erie Insurance review
George - June 6, 2024
Verified

Poor

I love you all, but I don't understand why my insurance went up.

Teresa - June 3, 2024
Verified

It's fine. I haven't had to use it, thank goodness, so I really can't give a real review. Have a great day.

It's fine. I haven't had to use it, thank goodness, so I really can't give a real review. Have a great day.

Niomi - June 3, 2024
Verified

Shank and Miles

I had them for years with no complaints. Then, all of a sudden, with no warning, my rate goes up by $50 a month. Nobody has an explanation, nor was I notified. I haven't had tickets in over a decade and I have a new car with all the safety bells and whistles. So, why is it so much?

How to get the cheapest car insurance in Charleston

Car insurance is an unavoidable expense. The good news is that you can find ways to save money on your necessary auto coverage.

Here are some different ways to help you save:

  • Shop around. Different companies offer varying car insurance rates. Shopping around is the best way to lock in the lowest rate for your unique situation.

  • Look for a discount. Many insurance companies provide a variety of discounts for customers. Take a minute to see if you qualify for any.

  • Increase your deductible. Setting a higher deductible often leads to lower auto insurance premiums. If you have the money on hand to cover a higher deductible, consider this option.

Get Cheap Car Insurance in Charleston

Liability-only rates start at $34/mo.

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Cheapest liability-only car insurance in Charleston: State Farm

Liability car insurance covers any property damage and bodily injury you cause the other driver during an accident. This type of insurance won’t cover your own vehicle repair costs or medical expenses. Liability-only car insurance is generally the cheapest coverage option. But the lack of protection for your vehicle repairs could lead to an expensive bill after an accident.[2]

The average cost of liability insurance in the city is $82 per month, and here are some of the cheapest car insurance options in Charleston.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm34
Erie41
USAA41
GEICO62
Progressive73
Liberty Mutual75
Nationwide77
Clearcover81
Direct Auto83
Allstate86
Dairyland92
Root92
Foremost101
Midvale Home & Auto101
CSAA111
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 Charleston: State Farm

Full-coverage car insurance provides more financial protection than a liability-only policy. On top of liability coverage, a full-coverage auto insurance policy includes collision and comprehensive coverage. After an incident, this type of policy can help you pay to repair or replace your vehicle.

Most auto lenders require drivers with an auto loan or lease to carry this coverage, but it’s a good idea for any driver who wants to avoid out-of-pocket expenses after an accident.

The average cost of full coverage is $181 per month, but the table below shows the cheapest companies in Charleston to start your search.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm57
USAA68
Erie69
GEICO104
Progressive123
Nationwide129
Allstate144
Root148
Midvale Home & Auto162
Clearcover165
Direct Auto172
Liberty Mutual178
CSAA209
Foremost254
Dairyland257
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.

Recent Insurify quotes for Charleston, West Virginia drivers

Drivers using Insurify have found quotes as cheap as $40/mo for liability only and $118/mo for full coverage in Charleston and other West Virginia cities.

*Quotes generated for Insurify users in and around Charleston, West Virginia within the last 10 days. Last updated on June 12, 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Charleston, West Virginia within the last 10 days. Last updated on June 12, 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in West Virginia

It’s illegal to drive on public roads in West Virginia without a minimum amount of liability insurance. In addition to property damage and bodily injury liability insurance, you also need to purchase uninsured motorist coverage. And, per West Virginia law, insurance companies must also give you the option to purchase underinsured motorist coverage.

Take a look at the state’s minimum insurance requirements below:[3]

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

Many drivers decide to purchase more than the minimum insurance requirements. Here’s a look at some of the optional coverages you can consider:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If a non-collision incident — like a fallen tree, theft, or severe weather — damages your vehicle, comprehensive coverage can help you repair or replace your car.

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

    Collision coverage

    After an auto accident, collision coverage will kick in to cover your repair or replacement costs. This coverage even applies if you caused the accident.

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

    Roadside assistance coverage

    Specifics vary by insurer, but roadside assistance coverage typically includes towing, jump-starts, tire replacement, gas delivery, and other services.

Cheapest car insurance for drivers with an incident

Making a mistake on the road can have a lasting effect on the cost of your car insurance premiums. In general, drivers with an incident on their record — like a speeding ticket, driving under the influence charge, or at-fault accident — pay more for car insurance than people with a clean driving record.[4]

Charleston drivers with an incident pay $203 per month for car insurance, on average. How much your premium increases after an incident will depend on the severity of the offense and whether you have prior infractions on your record.

Find Car Insurance After an Incident

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Cheapest car insurance for drivers with a speeding ticket: State Farm

You typically need to pay an up-front fine for a speeding ticket. Receiving a speeding ticket is a red flag for insurance companies, so some insurers may charge you higher insurance premiums.

Drivers in Charleston with a speeding ticket pay an overall average of $222 per month for car insurance. Find some of the cheapest options for drivers in this category below, and see how rates compare to those for drivers with a clean record.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm3448
Erie4160
USAA4158
GEICO6289
Progressive73104
Liberty Mutual75117
Nationwide77111
Clearcover81117
Direct Auto83119
Allstate86123
Dairyland92132
Root92139
Foremost101158
Midvale Home & Auto101149
CSAA111163
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 car insurance for drivers with an at-fault accident: State Farm

Many insurers view a past at-fault accident on record as an indicator of future claims. With this higher risk indicator, drivers with an at-fault accident tend to pay more for car insurance. Each month, drivers in Charleston with a past at-fault accident pay an overall average of $217 for car insurance.

See how rates for a clean driving record compare to rates for drivers with an at-fault accident in the table below.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm3449
Erie4160
USAA4159
GEICO6290
Progressive73107
Liberty Mutual75118
Nationwide77112
Clearcover81124
Direct Auto83122
Allstate86124
Dairyland92133
Root92141
Foremost101159
Midvale Home & Auto101154
CSAA111167
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 car insurance for drivers with a DUI: State Farm

One of the most serious moving violations, a DUI comes with financial consequences. Drivers with a DUI pay significantly higher rates for car insurance than drivers with less serious incidents in their past.

In Charleston, drivers with a past DUI pay an overall average of $243 per month for car insurance.

Here’s a breakdown of average quotes for drivers with a DUI in Charleston and how they compare to rates for drivers with a clean record.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm3460
Erie4173
USAA4173
GEICO62110
Progressive73129
Liberty Mutual75133
Nationwide77136
Clearcover81143
Direct Auto83147
Allstate86152
Dairyland92163
Root92163
Foremost101179
Midvale Home & Auto101179
CSAA111197
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 car insurance for seniors: State Farm

Most auto insurance companies consider your age when determining your premiums. Drivers typically pay lower rates starting between the ages of 25 and 35, and the downward trend in rates can continue for decades.

But around age 70, senior drivers might face increased car insurance rates because auto insurers account for aging-related risk factors.

Senior drivers in Charleston pay an overall average of $91 per month for car insurance. Take a look at the average car insurance quotes for older drivers in Charleston below.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm4124
Erie4728
USAA5030
GEICO7645
Progressive8048
Nationwide8853
Allstate10664
Root11270
Midvale Home & Auto11371
Clearcover12160
Direct Auto12259
Liberty Mutual13055
CSAA15080
Foremost18272
Dairyland18968
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 car insurance for teens: State Farm

Teen drivers lack experience behind the wheel, so they typically pay the highest insurance rates by driver age. Although it’s impossible to change your age, you don’t have to overpay for car insurance.

Teenagers in Charleston pay an overall average of $262 per month for car insurance.

Young drivers can save on car insurance costs by getting good grades, driving a safe vehicle, increasing their deductible, and looking for discounts. Also, shopping around can help you find the best deal for your needs.[5]

Explore the cheapest average quotes for young drivers below.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm10261
USAA12072
Erie12373
GEICO174104
Nationwide233139
Progressive235139
Root241150
Allstate266159
Midvale Home & Auto298186
Direct Auto331160
Clearcover337165
Liberty Mutual348147
CSAA364193
Dairyland456163
Foremost476189
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.

Shop for Car Insurance in Charleston, WV

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Charleston car insurance quotes by credit tier

Insurance companies in West Virginia can consider your credit history when determining premiums. In general, insurers offer lower rates to drivers with excellent or good credit scores. Drivers with poor credit scores pay more for car insurance.

Here are the average rates for full-coverage car insurance by credit tier:

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.

Is car insurance more expensive in Charleston?

Drivers in Charleston pay an average monthly premium of $131, which is slightly higher than the state average of $124.

Coverage in Charleston is more affordable than some other popular cities in the Mountain State. For example, drivers in Huntington pay an average of $182 per month for full-coverage insurance, while Morgantown drivers pay $166.

Car insurance is generally cheaper in less populated cities like Charleston due to lower accident rates and traffic density. Drivers in the city have a relatively low average commute time of about 18 minutes, which could also contribute to lower rates.

More cities in West Virginia

If you live elsewhere in West Virginia, you’ll likely find different car insurance premiums.

Charleston drivers typically pay a bit less for coverage than drivers in other West Virginia cities. See how average quotes compare below.

CityFull CoverageLiability Only
Huntington$182$98
Martinsburg$180$74
Morgantown$166$78
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.

Charleston car insurance FAQs

Before you start comparing quotes from top insurers, you should determine how much coverage you need. The following information should answer any remaining questions and help you navigate the process of buying cheap auto insurance in Charleston.

  • How much is car insurance in Charleston, West Virginia?

    Charleston drivers pay $181 per month for full-coverage insurance and $82 for liability coverage. The overall cost of car insurance in the state is $131 per month. How much you pay for coverage depends on your driving record, age, vehicle type, and more.

  • What are the best car insurance companies in Charleston?

    State Farm is the best car insurance company in Charleston. It earned an above-average customer satisfaction rating from J.D. Power and has an Insurify Quality (IQ) Score of 4.6 out of 5. Other top insurers include Erie and USAA.

  • What companies have the cheapest car insurance in Charleston?

    State Farm, Erie, and USAA are the cheapest liability auto insurers in Charleston, with rates as low as $34, $41, and $41 per month, respectively.

    The cheapest car insurance company for you depends on your budget and coverage needs. Thats why its important to compare quotes from different insurers to find the one that offers you the best rates.

  • How much is car insurance in West Virginia per month?

    The overall cost of car insurance in West Virginia is $124 per month. On average, drivers in the state pay $73 per month for liability coverage and $174 for full-coverage insurance.

  • What car insurance do you need in West Virginia?

    West Virginia drivers must carry the following amounts of minimum coverage:

    • Bodily injury liability: $25,000 per person and $50,000 per accident

    • Property damage liability: $25,000 per accident

    • Uninsured motorist bodily injury liability: $25,000 per person and $50,000 per accident

    • Uninsured motorist property damage liability: $25,000 per accident

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. U.S. Census Bureau. "QuickFacts: Charleston city, West Virginia."
  2. III. "Auto insurance basics—understanding your coverage."
  3. West Virginia Offices of the Insurance Commissioner. "Automobile Mandatory Limits."
  4. III. "What determines the price of an auto insurance policy?."
  5. III. "Auto insurance for teen drivers."
Sarah Sharkey
Sarah SharkeyInsurance Writer

Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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