Average car insurance cost in Charleston, WV

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The average car insurance cost in Charleston, West Virginia is $1,991 per year, according to Insure.com data. This is $14 less than the average auto insurance cost in West Virginia and $96 more than the national average, as analyzed by Insure.com.

The rates can vary wildly depending on where they are filed. City demographics, including population density and average resident age, will affect how much money you spend on premiums which could make it cheaper or more expensive than other areas with different factors like accident rates, theft and vandalism rates, etc.

The article covers information on – the cheapest car insurance providers in Charleston, the average car insurance rates by age, gender and how much is car insurance in Charleston based on coverage limits. Whether you’re a new driver or have been driving for years, this article can help you find the best deal on cheap car insurance in Charleston. Read on to learn more.

Cheap car insurance companies in Charleston

Nationwide offers the most affordable car insurance in Charleston for coverage limits of 100/300/100 at $1,153 per year.

The Erie Insurance comes close second offering car insurance at $1,568 per year.

As mentioned previously, car insurance quotes differ amongst companies due to the factors they consider when determining rates. Hence, it’s advisable to obtain quotes from multiple insurers to find affordable car insurance rates in Charleston that align with your needs before finalizing your insurance carrier.

Here are the average annual and monthly costs for the various car insurance companies providing coverage in Charleston, West Virginia:

Read about the best car insurance companies.

Average car insurance cost in Charleston by coverage limits

In Charleston, the average car insurance rates the coverage levels are as follows:

• State minimum coverage: $587 per year (limits are 25/50/25)
• Liability only coverage: $663 per year (limits are 50/100/50)
• Full coverage: $1,991 per year (limits are 100/300/100)
• Non-owners coverage: $393 per year

In most states, drivers are required to have state minimum coverage to drive legally, although these requirements vary by state. However, it’s important to note that state minimum coverage does not provide coverage for any vehicles listed on your policy in the event of an at-fault accident.

To prevent compromising on coverage and out-of-pocket expenses, it’s advisable to opt for full coverage or non-owner coverage if you frequently borrow or rent a car but do not own one.

Average car insurance rates by gender in Charleston

The average car insurance rate for a female driver in Charleston, West Virginia, is $1,999 per year.

While the rate for a male driver is $1,984 per year, which is $15 less than what female drivers pay, according to a rate analysis by Insure.com.

Women are considered to be safer drivers than men, and statistics have proved this, according to the Insurance Information Institute. They often pay less for auto insurance because of their lower rate of severe accidents than men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Charleston

In Charleston, car insurance rates are the highest for teens, at $6,351 per year or $529 per month. The rates are higher for teenagers (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road, according to the Insurance Information Institute. There are driving laws for teens to help them drive better. Also, teen insurance rates can be lowered by adding teens to a parent’s auto insurance policy.

Car insurance rates are bound to decrease as teens grow older and earn a good driving record. Young adults pay $3,125 per year for their car insurance which is $3,226 less than what the teens pay for their insurance policy.

The car insurance rates in Charleston for adult and senior drivers are $1,983 and $1,965 per year respectively.

The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below depicts the average annual rates for drivers of different age groups:

Car insurance rate trends in Charleston

Examining the trends in car insurance rates in Charleston, West Virginia it was on an upward swing from 2022 to 2023. From 2022 to 2023 rates increase overall by 31%, or $469.

The table below shows the trend for last four years:

Conclusion

In conclusion, the insurance rates in Charleston, are lower than the average insurance cost in West Virginia. Shopping around and taking advantage of available discounts, drivers in Charleston can find affordable car insurance options. Many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.