Cheapest Auto Insurance in Parkersburg, West Virginia (2024)

State Farm offers the cheapest car insurance in Parkersburg, with rates starting at $32 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 July 25, 2024

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In Parkersburg, West Virginia, residents generally pay about $119 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 $32 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm9.3$55$33Young drivers
USAA9.4$66$39Military members
Erie9.0$67$40Collision 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

Compare personalized, real-time quotes
User Reviews
3.2
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.
$32/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.
$54/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 more driver reviews of State Farm
Robert - July 25, 2024
Verified

Upsetting

The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.

Matthew - July 25, 2024
Verified

Abandoned by State Farm

It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.

Janet - July 25, 2024
Verified

Too High

I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.

Best insurer for military members: USAA

Compare personalized, real-time quotes
User Reviews
3.7
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.
$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

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 more driver reviews of USAA
Charles - July 23, 2024
Verified

Average

The rates are way too high.

Ralph - July 22, 2024
Verified

No Answer

There is no senior discount available.

Wilfred - July 22, 2024
Verified

Issues Encountered with USAA

A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.

Best insurer for collision coverage: Erie

Compare personalized, real-time quotes
User Reviews
3.8
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.
$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.
$65/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 more driver reviews of Erie Insurance
Emily - July 24, 2024
Verified

Unsatisfactory Company

They completely ignore written instructions from higher-ups. Also, agents at the local establishment seem to be dishonest to cover their mistakes.

Eduard - July 24, 2024
Verified

Price, Service, Coverage - Everything is Very Good

Everything is as expected.

Teresa - July 23, 2024
Verified

Erie Insurance is a Great Insurance

I've been with Erie for about 20 years now. They are great when it comes to answering questions and handling anything that I need. I was only comparing different insurance quotes, but I will be staying with Erie.

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 $85 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$32
USAA$38
Erie$39
GEICO$59
National General$64
Progressive$69
Nationwide$73
Liberty Mutual$75
Direct Auto$76
Clearcover$78
Allstate$81
Dairyland$87
Foremost$95
CSAA$99
Midvale Home & Auto$99
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 $153 per month. Here, you can see the average cost from various Parkersburg insurance companies.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$54
USAA$64
Erie$65
GEICO$98
Progressive$116
Nationwide$122
Allstate$136
National General$139
Midvale Home & Auto$145
Clearcover$157
Direct Auto$163
Liberty Mutual$177
CSAA$189
Foremost$235
Dairyland$240
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.

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 $144 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
State Farm$32$46$46$56
USAA$38$54$55$67
Erie$39$57$57$69
GEICO$59$85$85$104
National General$64$92$93$113
Progressive$69$99$101$122
Nationwide$73$106$106$129
Liberty Mutual$75$117$117$132
Direct Auto$76$109$112$134
Clearcover$78$113$120$138
Allstate$81$116$117$143
Dairyland$87$125$125$153
Foremost$95$148$149$168
CSAA$99$145$149$175
Midvale Home & Auto$99$147$151$175
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 $119. This is slightly less than the national average of $160. The average rate for liability-only coverage is $85, and the average monthly rate for full coverage is $153.

  • Who has the cheapest car insurance in Parkersburg?

    State Farm offers the cheapest car insurance in Parkersburg, at $32 per month. USAA and Erie also offer cheap car insurance in the area, at $38 and $39 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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