Cheapest Auto Insurance in Morgantown, West Virginia (2024)
State Farm has the cheapest liability insurance in Morgantown, with a rate of $31 per month.
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Written bySarah Sharkey
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7+ years writing insurance and personal finance content
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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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Edited byKatie Powers
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Licensed auto and home insurance agent
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Updated November 20, 2024
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Table of contents
Drivers in Morgantown typically pay lower auto insurance rates than the national average. The average cost of liability insurance in Morgantown is $74 per month, which is lower than the national average of $104 and similar to the West Virginia state average of $76.
Morgantown has a relatively low population of 30,000 people. The smaller number of drivers on the road and short average commute time of around 17 minutes may contribute to the city’s lower-than-average rates.[1]
Here’s what you need to know about finding cheap car insurance in Morgantown, including how to compare quotes, consider coverage options, and meet your coverage requirements.
Quick Facts
State Farm, USAA, and Erie offer the cheapest liability insurance in Morgantown.
The average cost of full-coverage insurance in Morgantown is $141 per month, which is lower than the national average of $204 and similar to the state average of $153.
West Virginia state law allows insurers to consider credit-based insurance scores when determining premiums.[2]
3 of the cheapest car insurance companies in Morgantown
Every driver has a unique situation that affects car insurance premiums. To find the best insurance rates, it’s critical to compare quotes from multiple car insurance companies and find the cheapest car insurance options that meet your insurance needs.
Before you start your search, it’s helpful to see which car insurance companies offer consistently better rates. Here are a few of the best car insurance companies in Morgantown. The rates below reflect average statewide insurance costs.
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 | $56 | $33 | Cheap rates |
| Erie | 9.0 | $68 | $40 | Customer service |
| USAA | 9.4 | $67 | $39 | Veterans |
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 28,000 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 cheap rates: 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. | $31/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 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
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
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
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 offers drivers in Morgantown some of the cheapest rates for liability-only and full-coverage policies.
One of the largest insurance companies in the country, State Farm offers a wide range of other types of insurance products. These include pet insurance, home insurance, renters insurance, life insurance, boat insurance, ATV insurance, and motorcycle insurance. Consider doing business with State Farm for multiple policy types to tap into savings.
Pros
Above-average J.D. Power customer satisfaction rating in the Mid-Atlantic region[3]
AM Best financial strength rating of A++ (Superior)
Cons
No gap insurance
Some negative reviews on Trustpilot
Best insurer for customer service: Erie
| User Reviews | 4.1 |
|---|---|
| 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 |
4.1
Best choiceBased on 240 verified guest reviews and ratings
How drivers feel about Erie Insurance
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
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
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (126)
Lana
November 10, 2024
Verified Review
Erie Insurance
The policy is difficult to understand. The rates are too high.
George
November 6, 2024
Verified Review
Good People
They handled my claim quickly.
Judie
November 4, 2024
Verified Review
Great Coverage
The coverage is excellent, but I am looking for a cheaper rate.
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
Erie Insurance earned the top spot for customer satisfaction in J.D. Power’s 2023 U.S. Auto Insurance Study. In addition to top-tier customer satisfaction, Erie Insurance offers below-average rates.
The company has a Rate Lock guarantee, which means your premiums won’t change from year to year unless you make changes to your policy. Erie Insurance Group offers multiple insurance policy types, including life insurance, homeowners insurance, flood insurance, and more. Bundling multiple policies could lead to savings.
Pros
Rate Lock guarantee can keep rates steady
Top J.D. Power customer satisfaction rating in the Mid-Atlantic region
Cons
Must finalize policy with an insurance agent
Must file claims over the phone
Best insurer for veterans: 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 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
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
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
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
USAA sells a number of insurance products and financial services and works exclusively with military members, reserve members, veterans, and their immediate family members. Around 1,000 veterans call Morgantown home. USAA offers cheap rates for drivers who qualify for a membership. The company’s plentiful discounts can also make it an appealing choice.
Pros
Above-average J.D. Power customer satisfaction rating
Safe drivers can save up to 30% with the SafePilot program
Cons
No customer service hours on Sunday
Must have a qualifying military connection to join
Find Cheap Car Insurance in Morgantown
Liability quotes start at $31 per month
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Based on 3,806+ reviews
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How to get the cheapest car insurance in Morgantown
The amount you pay for car insurance will vary based on several factors, including your driving record, location, age, credit history, and vehicle type.[4] But regardless of your situation, you can find ways to save on your coverage.
Use the strategies below to help you find the most affordable car insurance option for your unique situation:
Shop around. Shopping around involves getting an insurance quote from multiple car insurance companies. Every insurer has a different method of determining rates, which means shopping around can help you find the best rates.
Raise your deductible. A higher deductible often translates into lower premiums. If you have a well-funded savings account to cover expenses after an accident, then a higher deductible could be the right choice for up-front savings.
Bundle policies. Many insurance companies offer a discount when you purchase multiple types of policies through the same insurer. For example, you might earn a discount for purchasing a life insurance policy and car insurance through the same company.
Find discounts. Many insurers offer a range of discounts. It’s worth finding out if you qualify for a discount to save on your insurance premiums.[5]
Cheapest liability-only car insurance in Morgantown: State Farm
Liability-only auto insurance is the cheapest amount of coverage you can buy. This type of policy includes bodily injury and property damage liability coverage, which means the insurer will help you pay for damage and injuries you cause. But a liability-only policy won’t help you pay for repairs to your own vehicle or your own medical bills.
In Morgantown, liability-only car insurance costs an average of $74 per month. The table below highlights average rates for liability-only policies from Morgantown insurers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $31 |
| USAA | $37 |
| Erie | $38 |
| GEICO | $56 |
| National General | $63 |
| Progressive | $67 |
| Nationwide | $69 |
| Direct Auto | $73 |
| Root | $74 |
| Clearcover | $75 |
| Allstate | $78 |
| Dairyland | $87 |
| CSAA | $89 |
| Foremost | $91 |
| Liberty Mutual | $104 |
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 Morgantown: State Farm
A full-coverage car insurance policy offers more robust financial protection than liability-only coverage. In addition to liability coverage, this type of policy includes collision and comprehensive coverages. After an incident, the insurer will help you pay for repairs to your vehicle.
If you’re paying off an auto loan or leasing a vehicle, your lender will likely require you to carry a full-coverage car insurance policy. Even if you don’t need to buy this coverage, it can be a good idea to purchase the extra protection. It’s an especially good option if you don’t have the money available to cover repairs to your own vehicle after an accident.
A full-coverage car insurance policy in Morgantown costs an average of $141 per month. Here are average full-coverage car insurance costs from insurers in Morgantown.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $53 |
| USAA | $63 |
| Erie | $64 |
| GEICO | $96 |
| Progressive | $113 |
| Nationwide | $119 |
| Root | $122 |
| National General | $130 |
| Allstate | $132 |
| Clearcover | $155 |
| Direct Auto | $162 |
| CSAA | $169 |
| Liberty Mutual | $193 |
| Foremost | $212 |
| Dairyland | $237 |
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 Morgantown, West Virginia
Drivers using Insurify have found quotes as cheap as $33/mo for liability only and $56/mo for full coverage in Morgantown and other West Virginia cities.
*Quotes generated for Insurify users in and around Morgantown, West Virginia within the last 10 days. Last updated on November 20, 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 November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Morgantown, West Virginia within the last 10 days. Last updated on November 20, 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 November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in West Virginia
Per West Virginia law, drivers must carry a minimum amount of car insurance. It’s illegal to drive on public roads in the Mountain State without this minimum coverage.
Here are the specific minimum requirements West Virginia drivers must meet:[6]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
The minimum liability insurance won’t cover repairs to your own vehicle after an accident. If you want more protection, consider the common coverage options below:
Collision coverage
If you have a car accident, collision insurance helps pay for repairs to your own vehicle. Collisions include accidents with other vehicles and crashes with stationary objects, like a tree, fence, or utility pole.
Comprehensive coverage
If something other than a collision damages your vehicle, comprehensive car insurance can help you pay for repairs. Covered events include theft, severe weather, and vandalism.
Uninsured/underinsured motorist (UM/UIM) coverage
Motorists driving without insurance can still cause injuries or damage to you or your vehicle. A UM/UIM auto policy will help you pay for repair costs. It’s an extra measure to protect your wallet from events beyond your control.
Cheapest car insurance for drivers with an incident
Mistakes behind the wheel can turn into an incident on your driving record. Incidents like speeding tickets, driving under the influence, and at-fault accidents typically lead to higher car insurance rates. Insurers view past driving incidents as a risk factor and adjust rates to account for added risk.
The average cost of car insurance for Morgantown drivers with a past incident is $107 per month for liability insurance and $203 for full-coverage insurance.
Here’s how an incident on your driving record can affect average liability car insurance quotes in Morgantown.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| State Farm | $31 | $44 | $45 | $54 |
| USAA | $37 | $53 | $54 | $64 |
| Erie | $38 | $56 | $56 | $66 |
| GEICO | $56 | $80 | $81 | $97 |
| National General | $63 | $91 | $91 | $109 |
| Progressive | $67 | $95 | $98 | $116 |
| Nationwide | $69 | $100 | $101 | $120 |
| Direct Auto | $73 | $105 | $108 | $127 |
| Root | $74 | $113 | $114 | $116 |
| Clearcover | $75 | $108 | $116 | $130 |
| Allstate | $78 | $112 | $113 | $135 |
| Dairyland | $87 | $125 | $125 | $151 |
| CSAA | $89 | $130 | $133 | $140 |
| Foremost | $91 | $139 | $140 | $158 |
| Liberty Mutual | $104 | $159 | $160 | $181 |
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.
Average cost of car insurance by age
Most insurers take your age into account when determining premiums. With the least amount of experience behind the wheel, teen drivers pay the most for car insurance. In general, young adults continue to pay higher rates into their 20s.
Drivers with more experience often see rates fall between the ages of 35 and 70. But past age 70, senior drivers see rates increase due to aging-related risk factors.
Compare the average cost of car insurance by driver age in Morgantown below.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $357 |
| 20s | $227 |
| 30s | $167 |
| 40s | $152 |
| 50s | $128 |
| 60s | $120 |
| 70s | $132 |
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Morgantown car insurance quotes by credit tier
Insurance companies in the state of West Virginia can consider credit-based insurance scores when determining premiums. In general, drivers with excellent or good credit pay lower rates for car insurance than drivers with poor credit.
The chart below illustrates average full-coverage car insurance quotes by credit tier in Morgantown.
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.
Morgantown car insurance FAQs
Before you shop around for car insurance, you should determine how much auto coverage you need. The following information should help you navigate the process of finding cheap car insurance in Morgantown.
How much is car insurance in Morgantown?
Morgantown drivers pay $74 per month for liability coverage and $141 for full-coverage insurance, on average. How much you pay for car insurance will ultimately depend on your driving record, age, credit history, vehicle type, chosen coverage, and more.
Who has the cheapest car insurance in Morgantown?
With a liability insurance rate of $31 per month, State Farm is the cheapest auto insurer in Morgantown. USAA and Erie also have some of the cheapest liability coverage in the city, with respective rates of $37 and $38 per month. The best way to find cheap car insurance is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Morgantown?
With an Insurify Quality (IQ) Score of 9.3 out of 5, an AM Best financial strength score of A++ (Superior), and high customer satisfaction rankings from J.D. Power, State Farm is the best car insurance company in Morgantown. The average cost of State Farm Car insurance in West Virginia is $33 per month for liability and $56 for full-coverage insurance. Erie and USAA are other top insurers in the city.
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.
Related articles
More cities in West Virginia
Sources
- United States Census Bureau. "QuickFacts: Morgantown city, West Virginia."
- State of West Virginia Offices of the Insurance Commissioner. "West Virginia Insurance Bulletin No. 20 – 12."
- J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Nine ways to lower your auto insurance costs."
- West Virginia Department of Motor Vehicles. "Consumer Insurance Information."
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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.
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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