Cheapest Auto Insurance in Parkersburg, West Virginia (2024)

State Farm offers the cheapest car insurance in Parkersburg, with rates starting at $31 per month.

Amy Beardsley
Written byAmy Beardsley
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Amy BeardsleyInsurance Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 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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Updated May 29, 2024

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Cheapest recent rates near Parkersburg, West Virginia

Drivers using Insurify have found quotes as cheap as $32/mo for liability only and $54/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 May 28, 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 May 28, 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 May 28, 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 May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

In Parkersburg, West Virginia, residents generally pay about $121 per month for car insurance. This is slightly less than the national average of $160. 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 $31 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$54$32Young drivers
USAA4.7$65$39Military members
Erie4.6$66$39Collision 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for young drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$52/mo

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

Read our State Farm review
Poncho - May 29, 2024
Verified

Poor

They need to reduce their policy prices.

Nevin - May 29, 2024
Verified

Need Better Agents

The relationship with the agent was poor.

Mindy - May 29, 2024
Verified

Brianna is very kind and helpful, she kept me from making a big mistake

Excellent service.

Best insurer for military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$63/mo

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

Read our USAA review
Jacqueline - May 28, 2024
Verified

Experience was fine other than the security issue

The only reason I'm looking for automobile insurance is because USAA canceled my policy on the 24th. I no longer have the phone that is in my profile and they were unable to send the 6-digit code for verification. So, basically, I was and still am locked out of my account. The representatives couldn't discuss my account with me due to strict security.

Joey - May 27, 2024
Verified

Bait and Switch at Its Worst

After receiving a quote of $54 for the first payment, and $40+ per month, Suzi insisted on 'reviewing' the answers I submitted online. She took this opportunity to add coverage I didn't request or want. When she finished, her offer was over $200/month. No thanks, 'Suzi'.

Mary - May 26, 2024
Verified

USAA has been very good, but recently my vehicle insurance premiums have significantly increased. I am struggling financially, so I have been trying to find a less expensive policy.

USAA has been very good, but recently my vehicle insurance premiums have significantly increased. I am struggling financially, so I have been trying to find a less expensive policy.

Best insurer for collision coverage: Erie

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
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

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

Read our Erie Insurance review
Lori - May 16, 2024
Verified

Great

The price for full coverage insurance is very good. You can't beat paying only $55 a month.

Rob - May 13, 2024
Verified

So far, beats the rest

Overall, excellent service.

Stephanie - May 13, 2024
Verified

Great if you don’t need them

I was with them for over a decade and they decided not to renew my policy because I used my roadside assistance twice a year.

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 $86 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm31
Erie38
USAA38
GEICO57
Progressive68
Liberty Mutual70
Nationwide71
Clearcover75
Direct Auto76
Allstate79
Dairyland85
Root85
Foremost93
Midvale Home & Auto93
CSAA103
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 $156 per month. Here, you can see the average cost from various Parkersburg insurance companies.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm52
USAA63
Erie64
GEICO96
Progressive113
Nationwide119
Allstate133
Root136
Midvale Home & Auto150
Clearcover152
Direct Auto159
Liberty Mutual165
CSAA193
Foremost234
Dairyland237
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.

How Much Other Insurify Customers Pay in and around Parkersburg, West Virginia

Drivers in and around Parkersburg, West Virginia have found policies from Nationwide, Root, Progressive, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Parkersburg, West Virginia within the last 10 days. Last updated on May 28, 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 May 28, 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 May 28, 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 May 28, 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:

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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).

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage helps with medical expenses for you and your passengers, regardless of who’s at fault in an accident.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/26eb27a188/rideshare-coverage.svg

    Rideshare coverage

    Rideshare insurance provides additional protection beyond personal auto insurance and the coverage provided by the rideshare company.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Towing and labor coverage

    Towing and labor coverage offers assistance with towing and labor costs in case your vehicle breaks down.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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 $140 per month. Drivers with a speeding ticket can expect to pay about $146 per month, and rates climb to $157 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
State Farm31444454
Erie38555567
USAA38545467
GEICO578182100
Progressive689799119
Liberty Mutual70109109123
Nationwide71102103125
Clearcover75108114132
Direct Auto76110111133
Allstate79113113139
Dairyland85122122149
Root85128129149
Foremost93145145163
Midvale Home & Auto93137140163
CSAA103151154181
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.

AgeAverage 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.

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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 $121. This is slightly less than the national average of $160. The average rate for liability-only coverage is $86, and the average monthly rate for full coverage is $156.

  • Who has the cheapest car insurance in Parkersburg?

    State Farm offers the cheapest car insurance in Parkersburg, at $31 per month. Erie and USAA also offer cheap car insurance in the area, at $38 and $38 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
  2. The Parkersburg News and Sentinel. "Just the Facts: Parkersburg Police chief discusses 2022 crime stats."
  3. U.S. Department of Transportation. "Licensed Drivers, by state, gender, and age group."
  4. IIHS. "Fatality Facts 2021 State by state."
  5. NOLO. "West Virginia Car Accident Laws."
  6. West Virginia DMV. "Consumer Insurance Information."
Amy Beardsley
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.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 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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