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

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Mountain State.

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes

Been Here Before?

Get Back to My Quotes
Last Updated: January 2022

Car Insurance in Martinsburg, 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 Martinsburg, WV to find you the cheapest quotes in the area.
$55
$59
$89
$90
$150
ProgressiveAllstateNationwideState FarmLiberty Mutual

Cheapest Car Insurance in Martinsburg, 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

$108
$97
$126
$80
$123
$112
West VirginiaCharlestonHuntingtonMorgantownParkersburgMartinsburg
Click here to learn about car insurance quotes and save on your current policy.

Martinsburg, 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 Martinsburg agents

Arndt-McBee Insurance Agency, Inc. 
824 N Queen St, Martinsburg, WV 25404
Smith-Nadenbousch Insurance, Inc. 
132 S Queen St, Martinsburg, WV 25401-3316
Fleming Insurance Agency LLC
14840 Apple Harvest Dr, Martinsburg, WV 25405
John Shepherd: Auto Insurance
311 Aikens Center, Martinsburg, WV 25404
Nationwide Insurance: Eckenrode Financial Services LLC
519 Winchester Ave, Martinsburg, WV 25401
Mid-Atlantic Group
201 W Martin St, Martinsburg, WV 25401
Advocate Insurance Group
111 S Queen St, Martinsburg, WV 25401
Fargo Insurance Group
500 Williamsport Pike, Martinsburg, WV 25401
Mountaineer Insurance Group
600 Gaston Ave, Martinsburg, WV 25401
Farmers and Mechanics Insurance Companies
25 Administrative Drive, Martinsburg, WV 25404

Insurify Insights: How Martinsburg Drivers Measure Up

toyota
Toyota Camry
Most Popular Car in
Martinsburg, WV
suspended licenses
#8
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 Martinsburg 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 Martinsburg

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. Martinsburg drivers rank 9 in the number of car accidents per driver across all cities in West Virginia.

  • Rank within state: #9
  • Percent of drivers in Martinsburg with an accident: 6.81%
  • Drivers in Martinsburg, WV with an accident in their driving history paid on average 34.03% more than drivers with a clean record

Speeding in Martinsburg

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in West Virginia, Martinsburg drivers rank 4 in the number of speeding infractions per driver.

  • Rank within state: #4
  • Percent of drivers in Martinsburg with a speeding ticket: 8.59%
  • Drivers in Martinsburg, WV with a speeding ticket in their driving history paid on average 30.89% more than drivers with a clean record

DUI/DWIs in Martinsburg

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Martinsburg drivers rank 2 in the number of DUI’s per driver across all cities in West Virginia.

  • Rank within state: #2
  • Percent of drivers in Martinsburg with a DUI: 2.92%
  • Drivers in Martinsburg, WV with a DUI in their driving history paid on average -90.05% more than drivers with a clean record

Rude in Martinsburg

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, Martinsburg drivers rank 3 in rude driving infractions.

  • Rank within state: #3
  • Percent of drivers in Martinsburg with a reckless driving violation: 1.3%
  • Drivers in Martinsburg, WV with a reckless driving violation in their driving history paid on average --% more than drivers with a clean record.

Safest Drivers in Martinsburg

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Martinsburg drivers rank 2 in clean driving records across all cities in West Virginia.

  • Rank within state: #2
  • Percent of drivers in Martinsburg with clean record: 84.12%

Failure to Yield the Right of Way in Martinsburg

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Martinsburg drivers rank 3 in failure to yield violations per driver across all cities in West Virginia.

  • Rank within state: #3
  • Percent of drivers in Martinsburg with a failure to yield violation: 0.32%
  • Drivers in Martinsburg, WV with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Martinsburg

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, Martinsburg drivers rank 1 in the number of reckless driving offenses per driver.

  • Rank within state: #1
  • Percent of drivers in Martinsburg with a reckless driving offense: 0.16%

Most Popular Vehicle in Martinsburg

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Martinsburg is the Toyota Camry.

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.


Full starFull starFull starFull starFull star
3689 Reviews

Insurify is rated 4.8 out of 5 based on 3689 customer reviews.
With over 30,109,648 quotes provided, we have helped thousands of customers save time and money!