Hilltop Auto Insurance Rates, Quotes, Agents & Reviews in WV

Hilltop, WV Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Hilltop, 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.

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Best Car Insurance Rates in Hilltop, WV

The average cost of car insurance in Hilltop, WV, is $1,346. The cost of auto insurance may differ based on where you live. To get a reliable price, drivers in Hilltop, West Virginia, should compare their local rates with those in nearby towns like as Glen Jean ($1,448), Mount Hope ($1,369), Oak Hill ($1,402), Plateau ($1,396), Scarbro ($1,385), and others.

Auto owners must avoid picking an insurance company at random. They must look for cheap auto insurance in Hilltop, compare the prices and special offers, and decide if the policy satisfies their needs. The cost of car insurance in Hilltop, West Virginia, is influenced by a number of variables. As a result, individual auto insurance prices may differ. This article lists a few elements impacting Hilltop, West Virginia's vehicle insurance rates.

1. Credit History

Auto insurance rates in West Virginia can vary depending on credit history. Generally, drivers with good credit will pay less for their auto insurance than those with poor credit. For example, in Hilltop, West Virginia, car owners with exceptional credit scores have to pay  $1,155, while those with bad or low credit must pay $2195. As a result, automobile owners who want to receive discounts on auto insurance in Hilltop, West Virginia, must maintain a respectable credit score. However, many factors can affect rates, so shopping around and comparing rates from different insurers is important. If you have poor credit, you may still be able to get auto insurance, but it will likely be more expensive. A few insurers offer auto insurance to drivers with bad credit, so it's worth shopping around. 

2. Age of the Driver

Auto insurance rates are determined by many factors, including the driver's age. In Hilltop, WV, drivers under the age of 20 are considered high risk and charged higher rates than older drivers. This is because statistics show that younger drivers are more likely to be involved in accidents. For instance, minors in Hilltop, West Virginia, pay $4368 for auto insurance, while drivers over the age of 40 pay $1282 for the same coverage.

3. Driving Habits

Auto insurance rates in Hilltop can be determined based on the person's driving history. If the person has a clean driving record, the insurance companies will offer them a lower rate. However, if the person has a few accidents or speeding tickets in their driving history, they will be offered a higher rate by the insurance companies. For instance, in Hilltop, West Virginia, car insurance costs are increased by +$314 and +$907 for drivers who run red lights or have expired registration, respectively.

Factors that can influence the cost of car insurance in Hilltop, 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.

Hilltop, WV Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Hilltop, WV with that of other cities in and around Hilltop.

Hilltop Glen Jean Mount Hope Oak Hill Plateau Scarbro
Average Insurance Rates $1,346 $1,448 $1,369 $1,402 $1,396 $1,385

Hilltop, 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 Hilltop, 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)
Hilltop $1,439 $1,215
Glen Jean $2,497 $2,109
Scarbro $2,713 $2,292
Plateau $1,601 $1,352
Oak Hill $1,926 $1,627
Minden $2,271 $1,918
Mount Hope $1,359 $1,148
Thurmond $2,188 $1,848

Hilltop, WV Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Hilltop, 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 $4,368
20 Years $1,729
30 Years $1,332
40 Years $1,282
50 Years $1,187
60 Years $1,203
70 Years $1,401

Hilltop, WV Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Hilltop, 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 $2,369 $323
3 Vehicles $3,553 $485
4 Vehicles $4,738 $646

Savings on 2 Vehicles bundle:$323

Savings on 3 Vehicles bundle:$485

Savings on 4 Vehicles bundle:$646

Hilltop, 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 Hilltop, WV.

Location Average Insurance Cost Post DUI Insurance Rate
Hilltop $1,346 $2,152
Glen Jean $1,448 $2,315
Scarbro $1,385 $2,215
Plateau $1,396 $2,232
Oak Hill $1,402 $2,242
Minden $2,205 $3,526
Mount Hope $1,369 $2,189
Thurmond $2,124 $3,396

Hilltop, 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) $1,155
Excellent (740-799) $1,318
Good (670-739) $1,403
Average (580-669) $1,830
Poor (300-579) $2,195

Hilltop, 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
Summit Insurance Agency Llc Erie 211 N Court Street, Fayetteville, 25840 None
Daniel Ormandy State Farm 407 Beckley Plz, Beckley, 25801-2225 304-255-0404
Donnie Bowling State Farm 1443 Main St E, Oak Hill, 25901-2727 304-465-5681
Usi Services None 41 Eagles Rd, Beckley, 25801 None
Holstein Insurance Agency Inc. Erie 4920a Elk River Road, Elkview, 25071 None
Redden-Wood & Asssociates, Inc. None 6148 Robert C. Byrd Dr., Bradley, 25818 None
Dba First Community Insurance Services Liberty Mutual Independent 1 STAFFORD COMMONS, PRINCETON, 24740 (304) 425-8793

Hilltop, 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 +$59 $1,405
Driver's Failure In Showing Documents +$131 $1,477
Driving With An Expired Registration +$139 $1,485
Driving At A Considerably Slow Pace +$292 $1,638
Using A Cellphone While Driving +$308 $1,654
Running A Red Light +$314 $1,660
Speeding +$330 $1,676
Driving A Vehicle Without The Required Permission +$419 $1,765
Driving With An Expired/Suspended License +$907 $2,253

Hilltop, 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 $1,292
Active Disabling Device $1,292
Tracking Device $1,265
Passive Disabling Device $1,252