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.
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The state of West Virginia requires all motor vehicle operators to have proof of insurance available in the car at all times.
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.
|Failure to Stop for Red Light / Stop Sign||$216|
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.
'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.'
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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.