Charleston, WV Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Charleston, WV, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
The cheapest and most expensive car insurance rates in Charleston, West Virginia, differ by $750
According to a recent Zimlon analysis on car insurance premiums in Charleston, West Virginia, consumers can save between $330 and $1,080 depending on the company they choose. The greatest difference between the cheapest and median car insurance prices is $1,080 and is reported for 18-year-old single male applicants who drive 10,000 miles annually. The cheapest car insurance policy for this cohort is $835, which is offered by United Services Automobile Association, while the median policy rate is $884 and offered by the Victoria Fire and Casualty Company. For the analysis, Zimlon uses data published by the 2014 West Virginia Annual Automobile Survey.
For 18-year-old single female drivers, the cheapest premium is offered by Erie Insurance Property and Casualty Company at $698. For this cohort, the difference between this price and the median rate is a significant $865. For 48-year-old married drivers, this difference is $375. The cheapest premium rate for this cohort is $246 and offered by United Services Automobile Association.
For 18-year-old single male drivers, the most expensive premium is offered by Liberty Insurance Corporation at $5,942. Consumers can save up to $4,027 by choosing a median-priced premium of $1,915, which is noteworthy.
United Services Automobile Association offers the cheapest premiums for 4 out of 10 driver cohorts analyzed in Charleston, West Virginia. Liberty Insurance Corporation reports the most expensive premiums for 9 out of 10 driver cohorts. Depending on driver background and history, the former company offers prices ranging from$246 to $1,080. As for the latter, this range is $1,532-4027.
The following graph compares the premiums across companies in Charleston, WV.
The following table compares the car insurance premiums for key companies in Charleston, West Virginia, and lists the names of the companies and the differences between the median and cheapest or most expensive rates.
| Cohort | Cheapest car insurance companies in Charleston, WV | Second cheapest car insurance companies in Charleston, WV | Median car insurance companies in Charleston, WV | Second most expensive car insurance companies in Charleston, WV | Most expensive car insurance companies in Charleston, WV | Difference between cheapest and median prices | Difference in prices between most expensive and median prices |
|---|---|---|---|---|---|---|---|
| 48-year-old married female applicants driving 20,000 miles annually | Metropolitan Property and Casualty Insurance Company ($221) | American Select Insurance Company ($251) | GEICO Advantage Insurance Company ($596) | Allstate Indemnity Company ($1,434) | Liberty Insurance Corporation ($2,184) | $375 | $1,588 |
| 18-year-old single female applicants driving 10,000 miles annually | Erie Insurance Property and Casualty Company ($698) | United Services Automobile Association ($733) | Metropolitan Direct Property and Casualty Insurance Company ($1,563) | State Auto Property and Casualty Insurance Company ($4,182) | American Select Insurance Company ($4,699) | $865 | $3,136 |
| 62-year-old married male applicants driving 12,000 miles annually | American Select Insurance Company ($205) | Metropolitan Property and Casualty Insurance Company ($245) | Property and Casualty Insurance Company of Hartford ($542) | Lm Insurance Corporation ($1,403) | Liberty Insurance Corporation ($2,084) | $337 | $1,542 |
| 35-year-old married male applicants driving 20,000 miles annually | American Select Insurance Company ($247) | United Services Automobile Association ($254) | Horace Mann Property & Casualty Insurance Company ($621) | Allstate Indemnity Company ($1,410) | Liberty Insurance Corporation ($2,184) | $374 | $1,563 |
| 35-year-old married female drivers driving 20,000 miles annually | Metropolitan Property and Casualty Insurance Company ($229) | American Select Insurance Company ($247) | Allstate Property and Casualty Insurance Company ($598) | Allstate Indemnity Company ($1,434) | Liberty Insurance Corporation ($2,184) | $369 | $1,586 |
| 25-year-old single female drivers driving 20,000 miles annually | United Services Automobile Association ($311) | Erie Insurance Property and Casualty Company ($345) | Economy Premier Assurance Company ($652) | Peak Property and Casualty Insurance Corporation ($1,892) | Liberty Insurance Corporation ($2,184) | $341 | $1,532 |
| 25-year-old single male applicants driving 20,000 miles annually | United Services Automobile Association ($338) | American National Property and Casualty Company ($362) | Hartford Accident and Indemnity Company ($701) | Peak Property and Casualty Insurance Corporation ($1,731) | Liberty Insurance Corporation ($2,951) | $363 | $2,250 |
| 62-year-old married female applicants driving 12,000 miles | American Select Insurance Company ($205) | Metropolitan Property and Casualty Insurance Company ($217) | Economy Premier Assurance Company ($535) | Lm Insurance Corporation ($1,365) | Liberty Insurance Corporation ($2,084) | $330 | $1,549 |
| 48-year-old married male applicants driving 20,000 miles | United Services Automobile Association ($246) | American Select Insurance Company ($251) | Horace Mann Property and Casualty Insurance Company ($621) | Lm Insurance Corporation ($1,443) | Liberty Insurance Corporation ($2,184) | $375 | $1,563 |
| 18-year-old single male applicants driving 10,000 miles annually | United Services Automobile Association ($835) | American Select Insurance Company ($884) | Victoria Fire & Casualty Company ($1,915) | American Select Insurance Company ($5,308) | Liberty Insurance Corporation ($5,942) | $1,080 | $4,027 |
Factors that can influence the cost of car insurance in Charleston, WV are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Charleston, WV Auto Insurance Rates
- Charleston, WV Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Charleston, WV
- Multi Vehicle Insurance Savings in Charleston, WV
- How Credit Score Affects Car Insurance Rates in Charleston, WV
- How DUI Affects Auto Insurance Premiums in Charleston, WV
- Top Auto Insurance Agents Near Charleston, WV
- How Driving Violations Affect Auto Insurance Rates in Charleston, WV
- Charleston, WV Auto Insurance Discounts on Anti Theft Feature
- Charleston, WV Auto Insurance Company Reviews
Charleston, WV Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Charleston, WV with that of other cities in and around Charleston.
| Charleston | Marmet | Rand | Kanawha County | Big Chimney | Dunbar | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,474 | $1,395 | $1,349 | $1,424 | $1,411 | $1,401 |
Charleston, WV Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Charleston, WV based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Charleston | $1,826 | $1,543 |
| South Charleston | $1,654 | $1,397 |
| Dunbar | $1,626 | $1,374 |
| Rand | $1,508 | $1,274 |
| Coal Fork | $1,413 | $1,194 |
| Kanawha County | $1,432 | $1,209 |
| Big Chimney | $1,369 | $1,156 |
| Marmet | $1,076 | $909 |
Charleston, WV Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Charleston, WV usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,783 |
| 20 Years | $1,894 |
| 30 Years | $1,459 |
| 40 Years | $1,404 |
| 50 Years | $1,300 |
| 60 Years | $1,318 |
| 70 Years | $1,534 |
Charleston, WV Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Charleston, WV can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,565 | $383 |
| 3 Vehicles | $3,847 | $575 |
| 4 Vehicles | $5,130 | $766 |
Savings on 2 Vehicles bundle:$383
Savings on 3 Vehicles bundle:$575
Savings on 4 Vehicles bundle:$766
Charleston, WV Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Charleston, WV.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Charleston | $1,474 | $2,357 |
| South Charleston | $1,434 | $2,293 |
| Dunbar | $1,401 | $2,240 |
| Rand | $1,349 | $2,157 |
| Coal Fork | $1,397 | $2,234 |
| Kanawha County | $1,424 | $2,277 |
| Big Chimney | $1,411 | $2,256 |
| Marmet | $1,395 | $2,231 |
Charleston, WV Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,265 |
| Excellent (740-799) | $1,444 |
| Good (670-739) | $1,536 |
| Average (580-669) | $2,004 |
| Poor (300-579) | $2,404 |
Charleston, WV Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Mick Hager | State Farm | 120 Walnut St, Saint Albans, 25177-2040 | 304-722-7227 |
| David Kline | Allstate | 424 Maccorkle Ave SW, South Charleston, 25303 | (304) 342-3621 |
| Holstein Insurance Agency Inc. | Erie | 4920a Elk River Road, Elkview, 25071 | None |
| Tresa L. Davis-Weir | Allstate | 4848 Maccorkle Ave SW, South Charleston, 25309 | (304) 768-4848 |
| Liz Underwood | Allstate | 3822 Maccorkle Ave SE, Charleston, 25304 | (304) 925-2161 |
| Dorsey Insurance Agency Inc. | Nationwide | 509 50th St SE, Charleston, 25304-2023 | (304) 925-7488 |
| Usi Services | None | One Hillcrest Dr E, Charleston, 25311 | None |
| Mountain State Agency Alliance Llc | Liberty Mutual Independent | 888 OAKWOOD RD STE 100, CHARLESTON, 25314 | 304-925-0255 |
| Bb&T Carson Insurance Services | None | 601 Tennessee Ave, Charleston, 25302 | None |
| Kaltnecker Payne & Garlow Insurance | Erie | 5316 Maccorkle Avenue Sw, South Charleston, 25309 | None |
Charleston, WV Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$65 | $1,539 |
| Driver's Failure In Showing Documents | +$143 | $1,617 |
| Driving With An Expired Registration | +$152 | $1,626 |
| Driving At A Considerably Slow Pace | +$320 | $1,794 |
| Using A Cellphone While Driving | +$338 | $1,812 |
| Running A Red Light | +$343 | $1,817 |
| Speeding | +$361 | $1,835 |
| Driving A Vehicle Without The Required Permission | +$458 | $1,932 |
| Driving With An Expired/Suspended License | +$993 | $2,467 |
Charleston, WV Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,415 |
| Active Disabling Device | $1,415 |
| Tracking Device | $1,386 |
| Passive Disabling Device | $1,371 |
Latest Auto Insurance Reviews in Charleston, WV | Back to Top
ProgressiveThe premium and deductible of my policy is at a decent range. It wouldn't cause any undue worry if something should happen to me in the future.
Allstatemy car insurance customer service has always been excellent. It is super easy to get a hold of someone and get my questions answered. The people on the phone and online are always kind and helpful.
State FarmMy deductible was more with progressive. I don't remember how much more, but enough that I switched over as it saved me more money each month.
State FarmI am fairly satisfied with my insurance company, however, recently I discovered that I did not have medical pay coverage as appears to be given with other insurance companies. The premium I pay to State Farm also seems high compared to other companies.
Farmer's InsuranceThere is nothing I dislike about the company except their slightly higher premiums. I don't like their advertising though. The actor they use is annoying.