Cheapest Auto Insurance in Martinsburg, West Virginia (2025)
Martinsburg drivers can find the cheapest car insurance rates from State Farm. The insurer’s liability rates start at just $32 per month.
Excellent
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Table of contents
Situated in the Eastern Panhandle of West Virginia, Martinsburg is home to a historic downtown with a number of shops, restaurants, and housing options.[1] Martinsburg drivers pay an average of $110 per month for car insurance compared to the state average of $116. This may be due to the city’s dense population and higher-than-average crime rates.[2]
When buying an auto insurance policy, always make sure to compare quotes from multiple companies.
Quick Facts
State Farm, USAA, and Erie are the cheapest car insurance companies for Martinsburg drivers.
On average, Martinsburg residents pay $79 per month for liability insurance and $141 per month for full coverage.
West Virginia is an at-fault state, meaning the driver responsible for the incident pays for the damages.[3]
3 of the cheapest car insurance companies in Martinsburg
As you search for affordable auto insurance in Martinsburg, consider factors like your driving history, location, credit, and unique needs. State Farm, USAA, and Erie offer some of the best, most affordable policies for Martinsburg drivers.
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 Farm | 9.3 | $55 | $32 | Affordability |
| USAA | 9.4 | $66 | $38 | Active military, veterans, and their families |
| Erie | 9.0 | $67 | $39 | Young drivers |
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 55,000 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 affordability: 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. | $53/mo |
4.2
Best choiceBased on 10,174 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
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
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,605)
Charlotte
March 24, 2025
Verified Review
They don't seem too thrilled to have your business. I've never filed a claim, and when I ask for information about my policies, they aren't very helpful. This might just be my specific agent, as I've never had to contact State Farm directly. I always feel like I'm bothering them whenever I reach out.
They don't seem too thrilled to have your business. I've never filed a claim, and when I ask for information about my policies, they aren't very helpful. This might just be my specific agent, as I've never had to contact State Farm directly. I always feel like I'm bothering them whenever I reach out.
David
March 24, 2025
Verified Review
Good
They're just alright, but they keep increasing my insurance for no apparent reason.
Troy
March 24, 2025
Verified Review
Unjustified Increases
I don't appreciate the continuous increases without any reason or explanation.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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
State Farm is the most affordable car insurance company in Martinsburg, both for liability and full-coverage rates. It’s also one of the most reliable insurance companies in the industry, earning an A++ (Superior) rating from AM Best and making the top 5 in every region in J.D. Power’s 2023 Customer Satisfaction ranking.[4] [5]
Pros
Usage-based insurance program
Rental car and travel expense coverage
Cons
Must work with a local agent
No gap insurance
Best insurer for active military, veterans, and their families: 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. | $37/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. | $63/mo |
4.9
Best choiceBased on 1,833 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
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
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,055)
Charles
March 24, 2025
Verified Review
An Irritated Customer at CD
The pricing settlement for older vehicles in good condition is very poor. As a master technician, I keep my vehicles in excellent condition. However, when I had an accident, my high-mileage vehicle was undervalued, not considering its mechanical condition. Despite replacing most of the drivetrain components, suspension parts, and the A/C & heating components, my vehicle was valued thousands of dollars less. I was denied the proper settlement I was due. I repaired all the damage post-accident, finished the cosmetic issues, and even repainted the entire vehicle. I sent pictures to claims to verify the upgraded condition. Unfortunately, it seems most insurance companies use similar tactics to obtain a good salvage price, and they are quick to total vehicles, thereby robbing their customers of the true value. Apart from not having a local agent to discuss these issues, I remain a customer of USAA, even after they raised my homeowners insurance by over $2500 in one increase. This is a tough pill to swallow on a fixed income.
Philip
March 23, 2025
Verified Review
Fair
Every couple of years, they raise the premiums and lower the coverage.
Shandra
March 21, 2025
Verified Review
Helpful in Difficult Times
When I was 22, I was hit by a drunk driver. They assisted me in overcoming that difficult situation.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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
More than 1,400 veterans live in Martinsburg, based on a 2017–2021 U.S. Census Bureau estimate.[6] If you’re a military member, veteran, or a family member of either, you could lock in cheap premiums with USAA. It specifically serves the military community with car insurance and other financial products.
Pros
Multiple discounts advertised
High customer satisfaction ratings from J.D. Power[4]
Cons
Must be affiliated with the military to become a member
No gap insurance
Best insurer for young drivers: Erie
| User Reviews | 4.0 |
|---|---|
| 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. | $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 |
4.0
Best choiceBased on 293 verified guest reviews and ratings
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
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
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (156)
Harold
March 21, 2025
Verified Review
Erie Works For Me!
I have a good relationship with them!
Helen
March 21, 2025
Verified Review
Excellent
Erie excels in all aspects of their service and coverage.
Donna
March 20, 2025
Verified Review
Brokers are not the way to go…find a company who values your needs
I’m not sure if it's Erie Insurance or the Insurance Company representing them that's the issue. At the insurance company, you seem to get bounced around with no knowledge of what's going on. They or Erie seem to feel they can make changes within your policies without your knowledge. Your premiums increase every year without a claim, but when your bill goes up 38 3/4% ($600.00) without a claim, even though they have gone up steadily every year, it’s time to go. When you call in, they say it is beyond their control and blame it on everyone else. Then instead of trying to help you, they try to sell you more! When you tell them that will make your premium higher, then they want you to up your deductible to lower your bill. When you tell them you only want to insure your home for what it's worth, they insist they have to insure it for what it would cost to replace it. I’m not replacing it! You never hear from them until you get your next year's bill in the mail and are expected to just pay it. When I first got my policies, I was told I was being directed to an agent that could help me. I thought this was my agent! I found out 8 years later that this person was just in customer service who set up my policies! I could have done that myself online! When I asked who was my agent, I had never met or heard her name before. My premiums were paying someone’s paycheck that I never knew or heard of or more importantly never met or knew me. An agent is supposed to have an interest in a client and work in their best interest (this obviously is not the case). Is this why so many things are written into policies that do not even pertain to or are needed by some clients? We end up paying for things in policies that do not even involve us! When I was tossed to the owner's son because I wasn’t happy with the rate increase, he was arrogant and the one trying to sell me more or increase my deductibles which still would not bring the price down to where it needed to be. So they lost that policy completely. Insurance is meant to be for comfort knowing you have it in case of a fire or disaster. Not for a claim because you had a shingle blow off your roof. Hire someone & get it fixed! You never hear from them until you get your next year's bills in the mail and are expected to just pay it. Insurance is out of control! You should be able to get a policy written for exactly what you want and need. I don’t want to buy a package with a bunch of things in it that I don’t want or need because it has one thing in it that I want and they say it is the only way it is sold. Get people in the insurance business who are willing to work for the clients in order to get them exactly what their needs are. Yes, I am finding lower premiums on auto insurance as well (which they told me recently I would not be able to do).
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49A.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
Due to schools like Martinsburg High School and Blue Ridge Community and Technical College, Martinsburg is home to many students and young drivers. Erie offers a few discounts that can lower car insurance costs for teen drivers and students. These include a youthful driving discount and college student discount.
Pros
Rate Lock prevents premium increases
High customer satisfaction ratings from J.D. Power[4]
Cons
No usage-based insurance program
Must contact a local agent to file claims
How to get the cheapest car insurance in Martinsburg
No matter your driving profile, you can find cheap car insurance in Martinsburg. Here are some tips to help you land affordable coverage:
Shop around. It’s a good idea to get quotes from at least three different car insurance companies. This way, you can compare rates, coverage levels, and customer satisfaction reviews to figure out the right coverage for your particular situation.
Look for discounts. Most car insurance companies offer a variety of discounts for policyholders who meet certain criteria, such as loyalty, safe driver, and anti-theft device discounts. Visit an insurance company’s website or reach out to a car insurance agent to learn about which discounts may apply to you.
Bundle policies. If you purchase your auto insurance from the same company as your home insurance, renters insurance, condo insurance, health insurance, or life insurance, you may be able to save money on your car insurance plan.
Consider usage-based insurance plans. If you drive only on occasion because you’re retired or work remotely, for example, you can lock in cheap car insurance through a pay-per-mile policy from a reputable auto insurer. You’ll only pay for the miles you drive.
Find Cheap Car Insurance in Martinsburg, WV
Liability rates start at $32 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Martinsburg: State Farm
West Virginia law requires drivers to have liability car insurance. It pays for the other party’s property damage and medical bills after an at-fault accident. It’s usually the cheapest auto insurance coverage you can get.
State Farm offers the cheapest liability-only policies in Martinsburg, at $32 per month. Here’s a look at car insurance companies with the lowest quotes for liability coverage in Martinsburg.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $32 |
| USAA | $37 |
| Erie | $38 |
| GEICO | $56 |
| Progressive | $67 |
| National General | $69 |
| Nationwide | $71 |
| Root | $75 |
| Direct Auto | $76 |
| Allstate | $78 |
| Clearcover | $82 |
| CSAA | $85 |
| Dairyland | $93 |
| Foremost | $94 |
| Liberty Mutual | $120 |
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 Martinsburg: State Farm
Full-coverage car insurance typically includes three types of coverage: liability, collision, and comprehensive coverage. It can be worth the extra monthly cost if you can’t pay for damages out of your own pocket. Also, if you have a loan or lease on your vehicle, your lender may require you to have a full-coverage policy.
Martinsburg residents can find the cheapest full-coverage insurance with State Farm, with rates of $53 per month. The table below shows the most affordable auto insurers in the city for full-coverage insurance.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $53 |
| USAA | $63 |
| Erie | $64 |
| GEICO | $96 |
| Progressive | $114 |
| Nationwide | $120 |
| Root | $125 |
| Allstate | $133 |
| National General | $142 |
| Clearcover | $159 |
| CSAA | $163 |
| Direct Auto | $166 |
| Liberty Mutual | $199 |
| Foremost | $213 |
| Dairyland | $248 |
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 Martinsburg, West Virginia
Drivers using Insurify have found quotes as cheap as $46/mo for liability only and $76/mo for full coverage in Martinsburg and other West Virginia cities.
*Quotes generated for Insurify users in and around Martinsburg, West Virginia within the last 10 days. Last updated on March 25, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 March 25, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Martinsburg, West Virginia within the last 10 days. Last updated on March 25, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 March 25, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in West Virginia
West Virginia is an at-fault, or tort, state. This means a driver who is responsible for an accident must cover the damages and medical expenses of others, typically through their auto insurance company or out of pocket. Also, drivers must show proof of insurance, or they may face fines and other consequences.
Below, you’ll find the minimum liability insurance requirements in the Mountain State:[7]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury coverage | $25,000 per person / $50,000 per accident |
| Uninsured/underinsured property damage coverage | $25,000 per accident |
Optional car insurance can save your finances and give you some extra protection in various situations. Here are several policies you might want to explore for greater protection as a Martinsburg driver:
Comprehensive coverage
Comprehensive coverage may come in handy after your car sustains damage in non-collision events, like theft, vandalism, and severe weather events.
Collision coverage
Collision coverage pays to repair or replace your vehicle if you’re in an accident with another driver or stationary object, regardless of fault.
Medical payments coverage
Medical payments coverage coverage can pay for some of the medical bills for you and your passengers after an accident, no matter who caused it.[8]
Cheapest car insurance for drivers with an incident
At-fault accidents, speeding tickets, and DUIs are all examples of incidents on your driving record that can lead to higher car insurance premiums. This is because car insurance companies will consider you a high-risk driver who’s more likely to file a claim. Martinsburg residents with clean records usually lock in the lowest rates.
Here’s a look at the insurance companies with the cheapest average car insurance quotes in Martinsburg based on driving history.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| State Farm | $32 | $43 | $45 | $54 |
| USAA | $37 | $50 | $52 | $62 |
| Erie | $38 | $53 | $55 | $64 |
| GEICO | $56 | $76 | $79 | $94 |
| Progressive | $67 | $91 | $96 | $113 |
| National General | $69 | $93 | $96 | $116 |
| Nationwide | $71 | $97 | $101 | $120 |
| Root | $75 | $110 | $114 | $115 |
| Direct Auto | $76 | $103 | $109 | $128 |
| Allstate | $78 | $105 | $110 | $131 |
| Clearcover | $82 | $111 | $125 | $138 |
| CSAA | $85 | $117 | $124 | $143 |
| Dairyland | $93 | $126 | $130 | $157 |
| Foremost | $94 | $135 | $139 | $158 |
| Liberty Mutual | $120 | $173 | $178 | $202 |
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 Martinsburg, WV
Monthly rates start at $41 for drivers with an incident
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Average cost of car insurance by age
Your age can play a big role in your car insurance rates. Because of their minimal experience on the road, teen drivers and young adults typically pay the most for car insurance policies.
Average premiums typically decrease around age 35 and increase again around age 70. This is due to physical and mental limitations senior drivers usually experience, like slower reflexes and poor vision.
The table below shows the cheapest car insurance quotes for Martinsburg drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $371 |
| 20s | $460 |
| 30s | $429 |
| 40s | $364 |
| 50s | $272 |
| 60s | $191 |
| 70s | $143 |
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.
Martinsburg car insurance quotes by credit tier
Like most states, West Virginia allows car insurance companies to factor in your credit history when they underwrite your policy and determine your premium.[9] Drivers with good or excellent credit usually pay less than drivers with poor credit. The table below shows average premiums for Martinsburg drivers with different credit scores.
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.
Martinsburg car insurance FAQs
Finding the right car insurance can be a challenge. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Martinsburg.
How much is car insurance in Martinsburg?
The average cost of car insurance in Martinsburg is $110 per month.
Martinsburg drivers pay $79 per month for liability coverage and $141 for full-coverage car insurance, on average. Your exact car insurance premium depends on your driving record, age, credit history, and other factors.
Which company has the cheapest car insurance in Martinsburg?
State Farm offers the cheapest liability car insurance in Martinsburg, at $32 per month. USAA is the second-cheapest insurer in the city, with a rate of $37. The third-cheapest insurer, Erie, has a liability-only rate of $38 per month.
Comparing quotes from multiple insurance companies is the best way to find the cheapest car insurance for your coverage needs.
What are the best car insurance companies in Martinsburg?
State Farm is the best car insurance company in Martinsburg, with an Insurify Quality (IQ) Score of 9.3 out of 5, an AM Best financial strength rating of A++ (Superior), and high customer satisfaction ratings. Other top insurers include USAA and Erie.
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
- 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
- City of Martinsburg - West Virginia. "Experiences."
- Neighborhood Scout. "Martinsburg, WV."
- Nolo. "West Virginia Car Accident Lawsuit Filing Deadline, West Virginia Comparative Negligence Rule."
- Ambest.com. "AM Best Revises Outlooks to Negative for State Farm Mutual Automobile Insurance Company and Certain Subsidiaries."
- Jdpower.com. "2023 U.S. Auto Insurance Study."
- Census.gov. "U.S. Census Bureau QuickFacts: Martinsburg city, West Virginia."
- West Virginia Offices of the Insurance Commissioner. "Automobile Mandatory Limits."
- III. "Auto Insurance Basics."
- West Virginia Office of the Insurance Commissioner. "West Virginia Insurance Bulletin."
)
Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in