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

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

Zimlon, through its research, found that car owners in Morgantown, 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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Factors that can influence the cost of car insurance in Morgantown, 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.


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

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

Morgantown Eastern Central Granville Cheat Lake Westover
Average Insurance Rates $1,515 $1,559 $1,513 $1,379 $1,632 $1,463

Morgantown, 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 Morgantown, 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)
Morgantown $1,372 $1,159
Central $1,035 $874
Westover $931 $786
Star City $942 $796
Granville $1,342 $1,134
Brookhaven $1,507 $1,273
Eastern $1,324 $1,118
Cheat Lake $1,573 $1,328

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

Teenagers in Morgantown, 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 $4,916
20 Years $1,947
30 Years $1,499
40 Years $1,443
50 Years $1,336
60 Years $1,354
70 Years $1,577

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

Car owners in Morgantown, 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 $2,576 $455
3 Vehicles $3,863 $682
4 Vehicles $5,151 $909

Savings on 2 Vehicles bundle:$455

Savings on 3 Vehicles bundle:$682

Savings on 4 Vehicles bundle:$909


Morgantown, 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 Morgantown, WV.

Location Average Insurance Cost Post DUI Insurance Rate
Morgantown $1,515 $2,423
Central $1,513 $2,419
Westover $1,463 $2,339
Star City $1,483 $2,371
Granville $1,379 $2,205
Brookhaven $1,535 $2,455
Eastern $1,559 $2,493
Cheat Lake $1,632 $2,610

Morgantown, 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) $1,300
Excellent (740-799) $1,484
Good (670-739) $1,579
Average (580-669) $2,060
Poor (300-579) $2,471

Morgantown, 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
John Duty State Farm 2000 White Willow Way, Morgantown, 26505-6105 304-291-9087
Duane White Allstate 1756 Mileground Rd Ste C, Morgantown, 26505 (304) 291-5110
Goff Insurance Services Erie 3280 University Avenue Suite 4, Morgantown, 26505 None
Dave Michael State Farm 548 Beechurst Avenue, Morgantown, 26505-4907 304-296-8151
Michael David Burnell Nationwide 277 Don Knotts Blvd, Morgantown, 26501-6737 (304) 296-3229
Homer C Davis Nationwide 179 Holland Ave, Morgantown, 26501-4352 (304) 296-5481

Morgantown, 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 +$67 $1,582
Driver's Failure In Showing Documents +$147 $1,662
Driving With An Expired Registration +$156 $1,671
Driving At A Considerably Slow Pace +$329 $1,844
Using A Cellphone While Driving +$347 $1,862
Running A Red Light +$353 $1,868
Speeding +$371 $1,886
Driving A Vehicle Without The Required Permission +$471 $1,986
Driving With An Expired/Suspended License +$1,021 $2,536

Morgantown, 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 $1,454
Active Disabling Device $1,454
Tracking Device $1,424
Passive Disabling Device $1,409

Latest Auto Insurance Reviews in Morgantown, WV | Back to Top

Liberty Mutual
It was very good. I had one accident that was my fault but caused no damage. I called my insurance company and they handled everything and it didn't cost me anything.
Liberty Mutual
It was very good. I had one accident that was my fault but caused no damage. I called my insurance company and they handled everything and it didn't cost me anything.
National General
The only thing I could possibly dislike about them is their hours. They close earlier than I like so sometimes it's hard to get ahold of them.
Nationwide
I really can't complain, they cover what I need, I have been with them for years, and the prices really have not increased over the years. the company itself is easy to work with, it is my agent who is not helpful