Average homeowners insurance cost in West Virginia

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Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.

On average, West Virginia homeowners insurance costs $1,886 a year, based on Insure.com’s data.

Learn more about the average homeowners insurance rates by company and ZIP code in West Virginia.

Key Takeaways

Homeowners insurance costs an average of $1,886 a year, based on Insure.com analysis.
Of all the ZIP codes in West Virginia, 26505 has the most affordable home insurance rates at around $1,471 annually.
In West Virginia, Allstate provides the most affordable home insurance at an average annual premium of $1,681.

Average home insurance cost in West Virginia by coverage level

In West Virginia, the annual homeowners insurance cost is $1,886, on average for the limits of $100,000 in liability, $300,000 in dwelling coverage and a $1000 deductible.

Increasing your dwelling coverage from $300,000 to $400,000 will raise your annual homeowners insurance premium to $2,324 in West Virginia, with $100,000 in liability protection and a $1,000 deductible. Below are the average costs for homeowners insurance in West Virginia based on dwelling coverage limits of $300,000, $400,000, and $500,000.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$1,443	$120
$200,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$1,465	$122
$300,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$1,886	$157
$300,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$1,911	$159
$400,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$2,324	$194
$400,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$2,354	$196
$600,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$3,235	$270
$600,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$3,271	$273
$1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$5,098	$425
$1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$5,146	$429

In West Virginia, homeowners insurance companies set rates by assessing various risk factors. Your location, claims history, credit history and coverage limit all affect your premium.

If multiple claims have been filed in your neighborhood over the past few years, you’ll likely face higher home insurance rates than areas with fewer claims. Your credit score can also play a role in determining your home insurance costs.

According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.

Best homeowners insurance companies in West Virginia

It’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.

We have compared the insurers in West Virginia using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in West Virginia. Based on the analysis, State Farm received the lowest NAIC score and A++ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
State Farm	$1,745	A++	0.95	5
Allstate	$1,681	A+	0.9	4.99
Auto Club Group – ACG (AAA)	$1,876	A	0.29	4.82
Westfield Insurance	$2,118	A	0.29	4.59
Nationwide	$1,682	A+	0.87	4.12
Progressive	$2,661	A+	8.45	2.78

Average homeowners insurance cost by company in West Virginia

Allstate offers the most affordable homeowners insurance in West Virginia, at an average annual premium of $1,681, followed by Nationwide and State Farm.

You can save hundreds — if not thousands — of dollars each year if you shop around for homeowners insurance.

Here are the average annual and monthly insurance rates for West Virginia homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Allstate	$1,681	$140
Nationwide	$1,682	$140
State Farm	$1,745	$145
Auto Club Group – ACG (AAA)	$1,876	$156
Erie Insurance	$2,104	$175
Westfield Insurance	$2,118	$177
Progressive	$2,661	$222
USAA*	$1,218	$102

*USAA is only available to military community members and their families.

West Virginia homeowners insurance rates by ZIP code

In West Virginia, insurance companies evaluate the risk associated with specific locations to determine premiums. ZIP codes with higher crime rates or a history of natural disasters are often considered high-risk, resulting in higher insurance premiums. Additionally, the cost of rebuilding or repairing homes in a particular ZIP code can influence your price for a homeowners insurance policy.

Shop around and compare quotes from different insurance companies to find the best home insurance rates in West Virginia. Also, remember to inquire about any discounts, such as bundling policies or smart home discounts, to help lower your premium.

Most affordable ZIP codes for home insurance rates in West Virginia

Not every area in West Virginia has the same home insurance cost. How much you pay for homeowners insurance in West Virginia depends on many factors, including your ZIP code. Our data shows that 26505 ZIP has low-cost home insurance rates in West Virginia, at about $1,471 a year or $123 monthly.

Below you can find homeowners insurance rates for some of the most affordable ZIP codes in West Virginia.

ZIP code	Average annual rate	Average monthly rate
26505	$1,471	$123
26554	$1,483	$124
26501	$1,521	$127
26506	$1,525	$127
26301	$1,527	$127
26543	$1,531	$128
24901	$1,540	$128
26378	$1,545	$129
26559	$1,551	$129
26572	$1,561	$130

Most expensive ZIP codes for home insurance rates in West Virginia

Your ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In West Virginia, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.

25666 has the most expensive homeowners insurance rates in West Virginia at an average annual cost of $2,452.

Below, we’ve highlighted some of the most expensive ZIP codes in West Virginia for home insurance:

ZIP code	Average annual rate	Average monthly rate
25666	$2,452	$204
25674	$2,425	$202
25511	$2,416	$201
25671	$2,392	$199
25512	$2,374	$198
25638	$2,357	$196
25047	$2,348	$196
25669	$2,345	$195
25692	$2,343	$195
25625	$2,328	$194

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in West Virginia by city

See rates in your city

Huntington

Home insurance rate trend in West Virginia

We analyzed home insurance rate trends in West Virginia and found that homeowners insurance rates experienced an overall increase of 6% or $105, from 2022 to 2023.

The data below shows how much homeowners insurance rates have changed since 2019.

2019 rates	2022 rates	2023 rates
$1,852	$1,781	$1,886

To choose the right homeowners insurance, it’s important to conduct thorough research and compare rates from various insurers, as each evaluates risk differently. Comparing quotes from at least three companies can help you secure the most affordable coverage in West Virginia.

Resources & methodology

Source

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.

Methodology

Insure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.

The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:

$300,000 dwelling coverage
$100,000 liability protection
$1000 deductible

We have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.