Hancock County, WV Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Hancock County, 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.
Know the Latest Car Insurance Rates in Hancock County, WV
The average cost of auto insurance in Hancock County, WV, is $1,397. Car owners looking to purchase auto insurance need to consider various factors that determine the cost of auto insurance in Hancock County, including the location, income levels, and other economic factors. In addition, drivers who live on high-crime streets will pay more for auto insurance, even if they have a clean driving record because they reside in a high-crime area. Furthermore, the driving records and personal credit scores of individual drivers will impact the car insurance rates in Hancock County, WV.
a. Car insurance rates based on the age of the driver
Younger drivers are usually charged a higher rate for several reasons, including lack of experience and their readiness to take risks on the road. While this does not make them bad drivers, it does make them more expensive for insurance companies to insure, as inexperienced driving and risk-taking are statistically more likely to lead to an accident. For example, teenage drivers pay $4,533 for car insurance in Hancock County, WV. In contrast, drivers aged 40 years pay $1,330 on auto insurance in Hancock County, WV. Refer to the chart below to differentiate the auto insurance rates in Hancock County, WV, based on the driver's age.
b. Car insurance rates Post-DUI
If you are charged with a DUI in Hancock County, WV, you can face severe penalties, including fines for thousands of dollars, probation, and possible jail time. Your driver's license may also be suspended depending on your conviction. This may result in a hike in auto insurance rates in Hancock County, WV. For example, if a car owner is convicted of DUI in Hancock County, his average premium goes from $1,397 to $2,234. This increase is because DUI convictions are considered high-risk driving offenses.
c. Car insurance rates based on credit history
As per insurers' standards in Hancock County, WV, your credit score will decide your auto insurance rates. If you have a poor credit score (300-579), your monthly premiums will be high, and vice versa. So if you want to make a considerable saving on auto insurance in Hancock County, WV, try to maintain a good credit score. For example, car owners with exceptional credit scores (800-850) pay $1,199 on car insurance in Hancock County, WV. At the same time, car owners with average credit scores pay $1,899 on auto insurance in Hancock County, WV.
Factors that can influence the cost of car insurance in Hancock County, 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.
- Hancock County, WV Auto Insurance Rates
- Hancock County, WV Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Hancock County, WV
- Multi Vehicle Insurance Savings in Hancock County, WV
- How Credit Score Affects Car Insurance Rates in Hancock County, WV
- How DUI Affects Auto Insurance Premiums in Hancock County, WV
- Top Auto Insurance Agents Near Hancock County, WV
- How Driving Violations Affect Auto Insurance Rates in Hancock County, WV
- Hancock County, WV Auto Insurance Discounts on Anti Theft Feature
Hancock County, WV Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Hancock County, WV with that of other cities in and around Hancock County.
| Hancock County | Stratton | New Cumberland | Clay | Grant | Toronto | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,397 | $1,282 | $1,387 | $1,395 | $1,390 | $1,013 |
Hancock County, 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 Hancock County, 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) |
|---|---|---|
| Hancock County | $1,351 | $1,141 |
| New Cumberland | $2,418 | $2,043 |
| Empire | $1,558 | $1,316 |
| Stratton | $1,444 | $1,220 |
| Clay | $1,439 | $1,215 |
| Grant | $1,433 | $1,210 |
| Toronto | $1,677 | $1,416 |
| Knox | $1,222 | $1,032 |
Hancock County, WV Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Hancock County, 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 | $4,533 |
| 20 Years | $1,795 |
| 30 Years | $1,383 |
| 40 Years | $1,330 |
| 50 Years | $1,232 |
| 60 Years | $1,249 |
| 70 Years | $1,454 |
Hancock County, WV Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Hancock County, 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 | $2,403 | $391 |
| 3 Vehicles | $3,604 | $587 |
| 4 Vehicles | $4,806 | $782 |
Savings on 2 Vehicles bundle:$391
Savings on 3 Vehicles bundle:$587
Savings on 4 Vehicles bundle:$782
Hancock County, 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 Hancock County, WV.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Hancock County | $1,397 | $2,234 |
| New Cumberland | $1,387 | $2,218 |
| Empire | $1,292 | $2,091 |
| Stratton | $1,282 | $2,075 |
| Clay | $1,395 | $2,231 |
| Grant | $1,390 | $2,223 |
| Toronto | $1,013 | $1,639 |
| Knox | $1,302 | $2,107 |
Hancock County, 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) | $1,199 |
| Excellent (740-799) | $1,368 |
| Good (670-739) | $1,456 |
| Average (580-669) | $1,899 |
| Poor (300-579) | $2,279 |
Hancock County, 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 |
|---|---|---|---|
| Joyia Lytle | Allstate | 3612 Pennsylvania Ave, Weirton, 26062 | (304) 723-3612 |
| Mark D Eckleberry | Nationwide | 515 Carolina Ave, Chester, 26034-1319 | (304) 387-1962 |
| Nancy L. Kowalski | Nationwide | 3350A Pennsylvania Ave, Weirton, 26062-3936 | (304) 723-7283 |
| Assure America Corporation | Erie | 426 Carolina Avenue Suite 1, Chester, 26034 | None |
| Jack Fowler | State Farm | 3034 Penna Ave, Weirton, 26062-3721 | 304-723-5540 |
| Mike Mccoy | State Farm | 900 Lafayette Ave, Moundsville, 26041-2226 | 304-845-7660 |
Hancock County, 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 | +$61 | $1,458 |
| Driver's Failure In Showing Documents | +$136 | $1,533 |
| Driving With An Expired Registration | +$144 | $1,541 |
| Driving At A Considerably Slow Pace | +$303 | $1,700 |
| Using A Cellphone While Driving | +$320 | $1,717 |
| Running A Red Light | +$326 | $1,723 |
| Speeding | +$342 | $1,739 |
| Driving A Vehicle Without The Required Permission | +$434 | $1,831 |
| Driving With An Expired/Suspended License | +$942 | $2,339 |
Hancock County, 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 | $1,341 |
| Active Disabling Device | $1,341 |
| Tracking Device | $1,313 |
| Passive Disabling Device | $1,299 |