Best Cheap Auto Insurance in Charleston, WV (2021)

The average Charleston, WV auto insurance rates are $332 per month. The minimum auto insurance in Charleston is at least 25/50/25 in coverage to comply with West Virginia auto insurance laws. To find the best cheap auto insurance in Charleston, West Virginia, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • Average auto insurance rates in Charleston, WV for senior drivers are $2,210 per year
  • The average commute length in Charleston is 17.5 minutes
  • The most expensive auto insurance company in Charleston for teen drivers is Liberty Mutual

Charleston, West Virginia auto insurance requirements are 25/50/25 according to West Virginia auto insurance laws. Finding cheap auto insurance in Charleston can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Charleston, West Virginia, including driving record, credit, commute time, and more.

Compare auto insurance in Charleston to other West Virginia cities, including Clarksburg auto insurance rates, Parkersburg auto insurance rates, and Beckley auto insurance rates to see how Charleston, West Virginia auto insurance rates stack up.

Before you buy Charleston, West Virginia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Charleston, West Virginia auto insurance quotes.

Minimum Auto Insurance in Charleston, West Virginia

Charleston, West Virginia auto insurance laws require that you have at least the West Virginia minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Charleston, West Virginia.

Minimum Required Auto Insurance Coverage in Charleston, West Virginia

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Charleston, West Virginia Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Charleston, West Virginia are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Charleston, West Virginia

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,884 $2,671 $2,590 $2,595 $10,508 $10,951 $3,167 $3,162
GEICO $2,625 $2,586 $2,490 $2,413 $6,608 $7,971 $2,521 $2,628
Liberty Mutual $3,736 $4,055 $3,003 $3,662 $14,236 $16,068 $3,852 $4,233
Nationwide $2,051 $2,079 $1,868 $1,955 $5,376 $6,790 $2,320 $2,481
Progressive $2,221 $2,132 $2,055 $2,051 $9,797 $11,019 $2,667 $2,744
State Farm $1,677 $1,677 $1,519 $1,519 $3,836 $4,951 $1,986 $1,563
USAA $1,721 $1,695 $1,605 $1,614 $5,756 $6,353 $2,223 $2,384

Cheap Charleston, West Virginia Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Charleston, West Virginia is a challenge. Take a look at the annual teen auto insurance rates in Charleston, West Virginia.

Annual Auto Insurance Rates for Teen Drivers in Charleston, West Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,508 $10,951
GEICO $6,608 $7,971
Liberty Mutual $14,236 $16,068
Nationwide $5,376 $6,790
Progressive $9,797 $11,019
State Farm $3,836 $4,951
USAA $5,756 $6,353

Cheap Charleston, West Virginia Auto Insurance for Seniors

What are senior auto insurance rates in Charleston, West Virginia? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Charleston, West Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,590 $2,595
GEICO $2,490 $2,413
Liberty Mutual $3,003 $3,662
Nationwide $1,868 $1,955
Progressive $2,055 $2,051
State Farm $1,519 $1,519
USAA $1,605 $1,614

Cheap Charleston, West Virginia Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Charleston, West Virginia compared to the annual auto insurance rates with a clean record in Charleston, West Virginia.

Annual Charleston, West Virginia Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,057 $4,814 $5,775 $4,618
GEICO $2,318 $3,716 $6,400 $2,487
Liberty Mutual $5,410 $6,841 $7,564 $6,607
Nationwide $2,491 $3,331 $3,872 $2,766
Progressive $3,679 $4,944 $4,400 $4,320
State Farm $2,142 $2,541 $2,341 $2,341
USAA $2,292 $2,716 $3,868 $2,799

Cheap Charleston, West Virginia Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Charleston, West Virginia is not easy. Compare the annual rates for DUI auto insurance in Charleston, West Virginia to find the best deal.

Annual Auto Insurance Rates After a DUI in Charleston, West Virginia

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,775
GEICO $6,400
Liberty Mutual $7,564
Nationwide $3,872
Progressive $4,400
State Farm $2,341
USAA $3,868

Cheap Charleston, West Virginia Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Charleston, West Virginia annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Charleston, West Virginia

Insurance Company Poor Fair Good
Allstate $5,847 $4,642 $3,959
GEICO $4,496 $3,660 $3,035
Liberty Mutual $9,439 $5,811 $4,567
Nationwide $3,547 $2,993 $2,805
Progressive $4,843 $4,230 $3,935
State Farm $3,366 $2,049 $1,608
USAA $4,294 $2,478 $1,985

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Cheap Charleston, West Virginia Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Charleston, West Virginia can vary. Compare the annual cost of auto insurance by ZIP code in Charleston, West Virginia to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Charleston, West Virginia

ZIP Code Average Annual Rates
25301 $3,961
25302 $3,979
25303 $3,998
25304 $3,978
25305 $4,024
25306 $3,992
25309 $3,985
25311 $4,009
25312 $3,955
25313 $3,952
25314 $3,967
25320 $3,961
25387 $3,921
25389 $3,931

Cheap Charleston, West Virginia Auto Insurance Rates By Commute

Commute length and annual mileage affect Charleston, West Virginia auto insurance. Find the cheapest annual Charleston, West Virginia auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Charleston, West Virginia

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,816 $4,816
GEICO $3,689 $3,772
Liberty Mutual $6,606 $6,606
Nationwide $3,115 $3,115
Progressive $4,336 $4,336
State Farm $2,278 $2,404
USAA $2,885 $2,953

Cheap Charleston, West Virginia Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Charleston, West Virginia? Check out the comparison of annual Charleston, West Virginia auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Charleston, West Virginia

Insurance Company Low Medium High
Allstate $4,631 $4,807 $5,010
GEICO $3,496 $3,741 $3,954
Liberty Mutual $6,264 $6,590 $6,962
Nationwide $3,024 $3,106 $3,215
Progressive $4,148 $4,287 $4,573
State Farm $2,192 $2,335 $2,496
USAA $2,810 $2,914 $3,033

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Best By Category: Cheapest Auto Insurance in Charleston, West Virginia

Compare the cheapest auto insurance companies in Charleston, West Virginia in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Charleston, West Virginia

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

The Cheapest Charleston, West Virginia Auto Insurance Companies

What auto insurance companies in Charleston, West Virginia are the cheapest? Compare the top Charleston, West Virginia auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Charleston, West Virginia

Insurance Company Average Annual Rates
Allstate $4,816
GEICO $3,730
Liberty Mutual $6,606
Nationwide $3,115
Progressive $4,336
State Farm $2,341
USAA $2,919

What affects auto insurance rates in Charleston, West Virginia?

There are a lot of reasons why auto insurance rates in Charleston, West Virginia are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Charleston, West Virginia. Many local factors may affect your Charleston auto insurance rates.

Charleston Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Charleston, West Virginia commute length is 17.5 minutes according to City-Data.

Charleston Traffic

How does Charleston, West Virginia rank for traffic? According to Inrix Charleston, West Virginia is the 649th most congested worldwide.

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Compare Charleston, West Virginia Auto Insurance Quotes

Before you buy Charleston, West Virginia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Charleston, West Virginia auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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