Cheapest Auto Insurance in Parkersburg, West Virginia (2024)
State Farm offers the cheapest car insurance in Parkersburg, with rates starting at $33 per month.
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Written byAmy Beardsley
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Updated November 20, 2024
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Table of contents
In Parkersburg, West Virginia, residents generally pay about $115 per month for car insurance. This is slightly less than the national average of $154. This more affordable rate is likely due to Parkersburg’s mostly rural setting and the low number of uninsured drivers.[1] Additionally, the Parkersburg Police Department noted fewer reported crimes in 2023 than in 2022, further reducing insurance costs.[2]
However, while costs are already lower in Parkersburg, you can reduce your insurance costs even more. Here’s how.
Quick Facts
State Farm offers the cheapest liability coverage in Parkersburg, at $33 per month.
West Virginia allows insurers to review your credit history when setting rates during the underwriting process.
West Virginia has a two-year lawsuit deadline and a modified comparative fault rule.
Cheapest car insurance companies in Parkersburg
You have multiple options when choosing an auto insurance company in Parkersburg, and the best way to find the most affordable insurance for you is to compare quotes from several insurers.
Among all insurers in the city, State Farm, USAA, and Erie often stand out as the cheapest. Here’s an overview of each company to see if it’s the right fit for you. You’ll also find their statewide average quotes for full-coverage and liability-only car insurance.
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 | Young drivers |
| USAA | 9.4 | $67 | $39 | Military members |
| Erie | 9.0 | $68 | $40 | Collision coverage |
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 young drivers: 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. | $33/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. | $56/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
West Virginia has more than 117,000 drivers who are younger than 25.[3] Consider State Farm’s Steer Clear program if you’re one of them. The app can qualify you for a discount of up to 15% and help you improve your driving skills. State Farm also has a local presence, with five agents in Parkersburg to offer personalized service to manage your insurance policy.
Pros
Often offers the cheapest rates for liability and full coverage in Parkersburg
Multiple student and young driver discounts to lower premiums
High J.D. Power customer satisfaction rating
Cons
13 NAIC complaints in West Virginia filed in 2022
Doesn’t offer gap insurance
May not be affordable for drivers with poor credit
Best insurer for military members: 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. | $39/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. | $68/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
If you’re one of the thousands of veterans living in Wood County, consider USAA auto coverage. It’s one of the top 10 insurance companies in the U.S. and consistently earns the top spot in overall customer satisfaction from J.D. Power. You’ll find several policy options and discount opportunities, making it a great choice for veterans looking for quality coverage.
Pros
Customizable coverage with various policy options
A++ financial strength from AM Best
Retains more than 96% of customers
Cons
Only available to military members and their families
No physical insurance agency locations
Doesn’t offer 24/7 customer service by telephone
Best insurer for collision coverage: 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. | $40/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. | $69/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
Even the safest drivers can have a car accident, and crashes are quite common in West Virginia.[4] Fortunately, Erie can make the experience less stressful. J.D. Power gives the company’s claims process a high rating. You can also get benefits like first accident forgiveness and easy car replacement coverage to get back on the road quickly.
Pros
Six Parkersburg agents for personalized service
High J.D. Power customer satisfaction rating
No NAIC complaints in West Virginia filed in 2022
Cons
Limited discounts compared to other insurers
Mobile app has low customer reviews
No usage-based coverage option
How to get the cheapest car insurance in Parkersburg
To get affordable premiums on car insurance in Parkersburg, it’s crucial to understand the factors that influence rates. Insurers look at your driving history, vehicle type, coverage amount, and personal information like age, gender, marital status, and ZIP code.
Here are a few strategies to help you find the cheapest car insurance year after year:
Compare insurance quotes from different companies. Looking at different rates will help you get the best deal.
Ask about discounts. Insurers can offer different discounts, including savings for new customers. Asking may help you find a discount you didn’t know existed.
Keep your credit score high. Auto insurers can review your credit history when determining your quote. A higher credit score can often lead to lower rates.
Maintain a clean driving record. A driving record free of violations can qualify you for lower car insurance rates.
Find Cheap Car Insurance in Parkersburg, WV
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Cheapest liability-only car insurance in Parkersburg: State Farm
Liability-only car insurance is crucial for covering bodily injuries and property damage you may cause to others in an auto accident. However, it’s important to remember that minimum coverage doesn’t extend to your or your passengers’ injuries or damage to your vehicle.
The average rate for liability-only car insurance in Parkersburg is $82 per month. The table below shows the insurance companies that offer the lowest rates, along with their average monthly quotes.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $33 |
| USAA | $39 |
| Erie | $40 |
| GEICO | $61 |
| National General | $68 |
| Progressive | $72 |
| Nationwide | $75 |
| Direct Auto | $79 |
| Root | $80 |
| Clearcover | $81 |
| Allstate | $84 |
| Dairyland | $94 |
| CSAA | $96 |
| Foremost | $98 |
| Liberty Mutual | $112 |
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 Parkersburg: State Farm
Full-coverage car insurance offers more of a safety net than liability-only insurance. It includes liability, comprehensive, and collision coverages to protect your vehicle from accidents, theft, vandalism, and other incidents beyond third-party liability. The added protection is helpful if you drive a new, leased, or financed vehicle.
The average rate for liability-only car insurance in Parkersburg is $148 per month. Here, you can see the average cost from various Parkersburg insurance companies.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $56 |
| USAA | $68 |
| Erie | $69 |
| GEICO | $103 |
| Progressive | $121 |
| Nationwide | $128 |
| Root | $131 |
| National General | $140 |
| Allstate | $142 |
| Clearcover | $166 |
| Direct Auto | $175 |
| CSAA | $182 |
| Liberty Mutual | $208 |
| Foremost | $228 |
| Dairyland | $255 |
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 Parkersburg, West Virginia
Drivers using Insurify have found quotes as cheap as $33/mo for liability only and $56/mo for full coverage in Parkersburg and other West Virginia cities.
*Quotes generated for Insurify users in and around Parkersburg, 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 Parkersburg, 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
If you’re in a traffic accident, you need to know what the state requires. First, understand that West Virginia has a two-year deadline for filing car accident lawsuits.[5] West Virginia drivers must also be aware of the “modified comparative fault” rule. This means you can only get financial compensation if you’re less responsible for the accident than the other person involved.
The West Virginia Division of Motor Vehicles (DMV) uses a real-time program to verify insurance at vehicle registration, during traffic incidents, and monthly for all registered vehicles.[6] Your policy must have uninsured motorist coverage and meet the minimum insurance coverage levels below:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 |
| Uninsured motorist bodily injury | $25,000 per person / $50,000 per accident |
| Uninsured motorist property damage | $25,000 |
While the table above provides insight into your minimum requirements, you can obtain coverage that exceeds these limits. If you’re looking for additional insurance protection, you may want to consider the following optional coverages:
Collision and comprehensive coverage
Collision and comprehensive coverage pay for repairs to your vehicle in case of accidents (collision) or non-collision incidents, like theft or natural disasters (comprehensive).
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage protects you if you’re in an accident caused by a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages and medical expenses.
Medical payments coverage
Medical payments coverage helps with medical expenses for you and your passengers, regardless of who’s at fault in an accident.
Gap coverage
Gap insurance covers the difference between what your totaled or stolen car is currently worth and the amount you still owe on your loan.
Rideshare coverage
Rideshare insurance provides additional protection beyond personal auto insurance and the coverage provided by the rideshare company.
Towing and labor coverage
Towing and labor coverage offers assistance with towing and labor costs in case your vehicle breaks down.
Rental car coverage
Rental car coverage pays for the cost of a rental car while your vehicle undergoes repairs after an insured incident.
Cheapest car insurance for drivers with an incident
Drivers who have incidents like at-fault accidents, speeding tickets, driving under the influence, or other traffic violations on their driving record can expect higher car insurance rates. Insurance companies assess your driving history when setting rates. Incidents on your record can label you as a high-risk driver, implying you’re more likely to have a future accident or claim.
The average rate for liability-only car insurance with an at-fault accident on your record in Parkersburg is $133 per month. Drivers with a speeding ticket can expect to pay about $137 per month, and rates climb to $150 if you have a DUI on your record.
In the table below, you can see how quotes from top insurers fluctuate based on your driving record.
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 | $33 | $47 | $47 | $57 |
| USAA | $39 | $56 | $56 | $68 |
| Erie | $40 | $59 | $59 | $69 |
| GEICO | $61 | $87 | $89 | $106 |
| National General | $68 | $98 | $98 | $118 |
| Progressive | $72 | $102 | $105 | $125 |
| Nationwide | $75 | $108 | $110 | $130 |
| Direct Auto | $79 | $113 | $117 | $137 |
| Root | $80 | $122 | $123 | $125 |
| Clearcover | $81 | $117 | $126 | $141 |
| Allstate | $84 | $120 | $122 | $146 |
| Dairyland | $94 | $135 | $135 | $163 |
| CSAA | $96 | $140 | $144 | $151 |
| Foremost | $98 | $150 | $151 | $170 |
| Liberty Mutual | $112 | $171 | $172 | $194 |
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
Age significantly affects car insurance rates. Teens and drivers younger than 25 often face the highest premiums due to their inexperience and higher accident risk. Rates typically become much more affordable once you’re in your 30s. However, they start to climb again once you reach the age of 70 as reduced faculties increase your risk of being involved in an accident.
The following table shows the average rate for car insurance across different ages.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $367 |
| 20s | $229 |
| 30s | $169 |
| 40s | $152 |
| 50s | $129 |
| 60s | $121 |
| 70s | $133 |
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.
Shop for Car Insurance in Parkersburg, West Virginia
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Parkersburg car insurance quotes by credit tier
In West Virginia, auto insurers can legally consider your credit history when setting quotes. Excellent or good credit indicates financial reliability and often leads to lower insurance costs. Poor credit suggests a higher risk for insurers, driving up your rates. Maintaining good credit can help you pay less for coverage.
As you’ll see in the table below, credit scores play a crucial role in your car insurance costs.
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.
Parkersburg car insurance FAQs
If you’re looking for more information to help you find the best car insurance rates in Parkersburg, consult the answers below.
How much is car insurance in Parkersburg?
The average monthly rate for car insurance in Parkersburg is $115. This is slightly less than the national average of $154. The average rate for liability-only coverage is $82, and the average monthly rate for full coverage is $148.
Who has the cheapest car insurance in Parkersburg?
State Farm offers the cheapest car insurance in Parkersburg, at $33 per month. USAA and Erie also offer cheap car insurance in the area, at $39 and $40 per month, respectively.
What are the best car insurance companies in Parkersburg?
Erie Insurance, State Farm, and USAA rank as three of the top insurers in Parkersburg. All three offer competitive rates in the area, and each has been recognized for its customer service, number of discounts, customer satisfaction scores, and financial stability.
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
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- The Parkersburg News and Sentinel. "Just the Facts: Parkersburg Police chief discusses 2022 crime stats."
- U.S. Department of Transportation. "Licensed Drivers, by state, gender, and age group."
- IIHS. "Fatality Facts 2021 State by state."
- NOLO. "West Virginia Car Accident Laws."
- West Virginia DMV. "Consumer Insurance Information."
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Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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