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

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Just over 30,000 Mountaineers call Morgantown home, and driving is the primary mode of transportation. Are the Mountaineers not your team? You can still cheer for an auto insurance policy that matches your driver profile as you enjoy life in West Virginia.

Over 86 percent of Morgantown households own cars. With all those folks peeping at those pretty county roads, finding the right auto insurance policy becomes a peak part of life in the Mountain State.

Car Insurance in Morgantown, 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 Morgantown, WV to find you the cheapest quotes in the area.
$58
$63
$93
$107
ProgressiveAllstateState FarmNationwide

Cheapest Car Insurance in Morgantown, 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!

Best Car Insurance in Morgantown, WV

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Morgantown. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

$104
$97
$126
$123
$96
$80
West VirginiaCharlestonHuntingtonParkersburgWheelingMorgantown
Click here to learn about car insurance quotes and save on your current policy.

Morgantown, 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.

Morgantown Car Insurance Rates by Driver Age

Young drivers pay the lion’s share when it comes to car insurance rates in Morgantown. Because young drivers are inexperienced, insurance companies assign them higher risk than drivers even 10 years older. While rates for teen drivers top out at $404, those in their 20s only pay $278 a month for the same coverage. The older you are, the lower your insurance rates continue to be in Morgantown. Rates drop steeply for drivers in their 60s and 70s to $107 and $70, respectively.

Driving History
No Violation$230
Speeding Ticket$283
At-Fault Accident$262
Failure to Stop for Red Light / Stop Sign$216

Morgantown Car Insurance Rates by Driving and Accident History

When insurance companies look over your driving record, they see both the good and bad and charge you accordingly. Clean records don’t go unnoticed—especially if you’ve had a violation on your record before. Speeders in Morgantown pay as much as $282 for their car insurance. Violations like this usually remain on your record for three to five years. With time and sound driving, you could pay as little as $229 when your record is clean.

Morgantown Car Insurance Rates by Credit Tier

'Credit scoring is a common way for insurance companies to assess and assign risk. If you are the kind of person who pays their bills on time, chances are you are a better driver and a lower insurance risk. Higher credit scores translate into lower insurance premiums. Because credit scores can raise or lower insurance premiums, it''s essential that you actively manage yours. Drivers with excellent credit in Morgantown can expect to pay $202 in insurance premiums monthly.'

Morgantown, WV DMV Information

The West Virginia Division of Motor Vehicles in Morgantown is at 1525 Deckers Creek Blvd., Morgantown, WV 26505. The office hours are Monday through Friday from 8:30 a.m. to 5 p.m., and the phone number is 1 (304) 558-3900. If you want to skip the line, you can also call and schedule an appointment.

Public Transportation in Morgantown, WV

Most people in Morgantown drive, and interstates, highways, and state routes snake through the town. The city also provides public transportation. Morgantown Personal Rapid Transit helps you access parts of WVU, and the Mountain Line Transit Authority operates buses as well. If you're skipping the bus wait, you can opt for rideshare services like Uber or Lyft. Traditional taxi companies, such as Motown Taxi, will also get you to your destination.

Find local Morgantown agents

Insurance Centers, Inc. 
102 Venture Dr Ste 5, Morgantown, WV 26508
Talerico Insurance Agency, LLC 
3040 University Avenue, Suite 2008, Morgantown, WV 26505
USI Services 
48 Donley St STE 703, Morgantown, WV 26501-5900
WesBanco Insurance Services, Inc. 
1350 Earl Core Road, Morgantown, WV 26505
USA II, LTD 
505 Ashebrooke Square, Morgantown, WV 26508
Hugh Harris Insurance Agency, LLC
220 Bowers Lane , Morgantown, WV 26508
Dave Michael - State Farm Insurance Agent
548 Beechurst Ave, Morgantown, WV 26505
Bond Insurance Agency, Inc. 
486 Old Cheat Rd., Morgantown, WV 26508
BLUE RIDGE RISK PARTNERS - DYER INSURANCE GROUP 
PO Box 624, Morgantown, WV 26507-0624
Duane White: Allstate Insurance
1756 Mileground Rd Ste C, Morgantown, WV 26505

Insurify Insights: How Morgantown Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Morgantown, WV
suspended licenses
#7
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 Morgantown 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 Morgantown

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. Morgantown drivers rank 2 in the number of car accidents per driver across all cities in West Virginia.

  • Rank within state: #2
  • Percent of drivers in Morgantown with an accident: 9.73%
  • Drivers in Morgantown, WV with an accident in their driving history paid on average 45.55% more than drivers with a clean record

Speeding in Morgantown

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in West Virginia, Morgantown drivers rank 5 in the number of speeding infractions per driver.

  • Rank within state: #5
  • Percent of drivers in Morgantown with a speeding ticket: 8.05%
  • Drivers in Morgantown, WV with a speeding ticket in their driving history paid on average 47.12% more than drivers with a clean record

DUI/DWIs in Morgantown

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Morgantown drivers rank 5 in the number of DUI’s per driver across all cities in West Virginia.

  • Rank within state: #5
  • Percent of drivers in Morgantown with a DUI: 2.35%
  • Drivers in Morgantown, WV with a DUI in their driving history paid on average 1.57% more than drivers with a clean record

Rude in Morgantown

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, Morgantown drivers rank 1 in rude driving infractions.

  • Rank within state: #1
  • Percent of drivers in Morgantown with a reckless driving violation: 2.18%
  • Drivers in Morgantown, WV with a reckless driving violation in their driving history paid on average 43.98% more than drivers with a clean record.

Safest Drivers in Morgantown

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Morgantown drivers rank 4 in clean driving records across all cities in West Virginia.

  • Rank within state: #4
  • Percent of drivers in Morgantown with clean record: 82.89%

Failure to Yield the Right of Way in Morgantown

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Morgantown drivers rank 1 in failure to yield violations per driver across all cities in West Virginia.

  • Rank within state: #1
  • Percent of drivers in Morgantown with a failure to yield violation: 0.67%
  • Drivers in Morgantown, WV with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Morgantown

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, Morgantown drivers rank 3 in the number of reckless driving offenses per driver.

  • Rank within state: #3
  • Percent of drivers in Morgantown with a reckless driving offense: --%

Most Popular Vehicle in Morgantown

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Morgantown is the Ford F-Series Pickup.

How to get the best and cheapest car insurance in Morgantown, WV

West Virginians love greens, whether you call them wild greens, fresh greens, or dandelion greens. But you can put another type of green in your wallet after your car insurance savings in Morgantown. Try Insurify to lock in the best rates and compare dozens of insurance quotes in just a few seconds.

When you live in a college town full of speeders and drivers with suspended licenses, insurance becomes even more valuable. Insurify and good deals go together like hot dogs and coleslaw.


FAQs - Morgantown, WV Car Insurance

Why is car insurance so expensive in Morgantown?

It's a college town that ranks second for most suspended licenses and third for speeding tickets. Insurers raise the rates to offset the risk.

How can I get the cheapest car insurance in Morgantown?

Buy the state minimum coverage. It's the least amount of insurance West Virginia allows. If you’re financing your vehicle, lenders require comprehensive and collision coverage. In that case, to make your bill lower, increase your deductibles to the most you can afford out of pocket if a wreck happens.

Who offers the cheapest car insurance in Morgantown?

Car insurance rates vary by city, company, and driver. If you're looking for prices tailored to your driver profile, try Insurify to compare up to 10+ real quotes. You'll unlock savings and discounts and find the coverage you deserve at a premium you can afford.

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.


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