Best Cheap Auto Insurance in Martinsburg, WV (2021)

The average Martinsburg, WV auto insurance rates are $297 per month. The minimum auto insurance in Martinsburg is at least 25/50/25 in coverage to comply with West Virginia auto insurance laws. To find the best cheap auto insurance in Martinsburg, West Virginia, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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

  • The cheapest auto insurance company in Martinsburg is State Farm
  • Average auto insurance rates in Martinsburg, WV for senior drivers are $1,989 per year
  • The minimum auto insurance required in Martinsburg, West Virginia is 25/50/25

Martinsburg, West Virginia auto insurance requirements are 25/50/25 according to West Virginia auto insurance laws. Finding cheap auto insurance in Martinsburg 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 Martinsburg, West Virginia, including driving record, credit, commute time, and more.

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

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

Minimum Auto Insurance in Martinsburg, West Virginia

Martinsburg, 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 Martinsburg, West Virginia.

Minimum Required Auto Insurance Coverage in Martinsburg, 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 Martinsburg, West Virginia Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Martinsburg, 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 Martinsburg, 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 $2,586 $2,406 $2,311 $2,317 $9,181 $9,589 $2,867 $2,874
GEICO $2,274 $2,242 $2,164 $2,098 $5,574 $6,721 $2,185 $2,277
Liberty Mutual $3,607 $3,915 $2,899 $3,527 $13,705 $15,460 $3,725 $4,100
Nationwide $1,789 $1,816 $1,635 $1,711 $4,520 $5,700 $2,008 $2,145
Progressive $1,960 $1,883 $1,817 $1,815 $8,474 $9,494 $2,341 $2,405
State Farm $1,439 $1,439 $1,297 $1,297 $3,204 $4,132 $1,697 $1,344
USAA $1,585 $1,562 $1,473 $1,485 $5,226 $5,784 $2,044 $2,194

Cheap Martinsburg, West Virginia Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,181 $9,589
GEICO $5,574 $6,721
Liberty Mutual $13,705 $15,460
Nationwide $4,520 $5,700
Progressive $8,474 $9,494
State Farm $3,204 $4,132
USAA $5,226 $5,784

Cheap Martinsburg, West Virginia Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,311 $2,317
GEICO $2,164 $2,098
Liberty Mutual $2,899 $3,527
Nationwide $1,635 $1,711
Progressive $1,817 $1,815
State Farm $1,297 $1,297
USAA $1,473 $1,485

Cheap Martinsburg, 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 Martinsburg, West Virginia compared to the annual auto insurance rates with a clean record in Martinsburg, West Virginia.

Annual Martinsburg, West Virginia Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,614 $4,272 $5,085 $4,095
GEICO $1,977 $3,177 $5,493 $2,121
Liberty Mutual $5,217 $6,587 $7,295 $6,370
Nationwide $2,145 $2,838 $3,298 $2,382
Progressive $3,213 $4,292 $3,831 $3,759
State Farm $1,820 $2,142 $1,981 $1,981
USAA $2,101 $2,480 $3,534 $2,560

Cheap Martinsburg, West Virginia Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,085
GEICO $5,493
Liberty Mutual $7,295
Nationwide $3,298
Progressive $3,831
State Farm $1,981
USAA $3,534

Cheap Martinsburg, West Virginia Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $5,165 $4,114 $3,520
GEICO $3,849 $3,130 $2,597
Liberty Mutual $9,107 $5,597 $4,398
Nationwide $3,034 $2,565 $2,398
Progressive $4,213 $3,681 $3,426
State Farm $2,841 $1,736 $1,366
USAA $3,936 $2,262 $1,809

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Cheap Martinsburg, West Virginia Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
25401 $3,491
25403 $3,561
25404 $3,547
25405 $3,534

Cheap Martinsburg, West Virginia Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,266 $4,266
GEICO $3,157 $3,226
Liberty Mutual $6,367 $6,367
Nationwide $2,666 $2,666
Progressive $3,774 $3,774
State Farm $1,929 $2,034
USAA $2,638 $2,700

Cheap Martinsburg, West Virginia Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,135 $4,260 $4,404
GEICO $3,005 $3,199 $3,372
Liberty Mutual $6,053 $6,352 $6,696
Nationwide $2,616 $2,651 $2,730
Progressive $3,624 $3,735 $3,961
State Farm $1,856 $1,975 $2,113
USAA $2,578 $2,664 $2,765

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

Compare the cheapest auto insurance companies in Martinsburg, 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 Martinsburg, 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 Martinsburg, West Virginia Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $4,266
GEICO $3,192
Liberty Mutual $6,367
Nationwide $2,666
Progressive $3,774
State Farm $1,981
USAA $2,669

What affects auto insurance rates in Martinsburg, West Virginia?

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

Martinsburg Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Martinsburg, West Virginia commute length is 25.5 minutes according to City-Data.

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Compare Martinsburg, West Virginia Auto Insurance Quotes

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