Home Renters insurance Renters insurance cost Average renters insurance cost in West Virginia Average renters insurance cost in West Virginia Discover the average cost of renters insurance in West Virginia and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: December 3, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Renters insurance costs in West Virginia vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in West Virginia pay $248 per year or $21 per month for a policy that includes $40,000 in personal property coverage, $300,000 in liability protection and a $1,000 deductible. Key Takeaways The average cost of renters insurance in West Virginia is $248 per year or $21 per month.State Farm provides the least expensive renters insurance in West Virginia at an average rate of $183 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in West Virginia. Average renters insurance cost in West Virginia per monthThe average cost of renters insurance in West Virginia is $21 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$21$1 lessPowered by:Average renters insurance cost in West Virginia by companyAccording to our data, State Farm provides the most affordable renters insurance in West Virginia, with an average annual rate of $183, followed by Westfield Insurance and Allstate.Getting quotes from multiple renters insurance companies in West Virginia is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in West Virginia.CompanyAverage annual rateAverage monthly rateState Farm$183$15Westfield Insurance$216$18Allstate$223$19Automobile Club MI (AAA)$267$22Nationwide$314$26Erie Insurance$353$29USAA*$179$15*USAA is only available to military community members and their families.Powered by: Renters insurance calculator in West Virginia Select your state West Virginia Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $231/year Estimated renters insurance rates in West Virginia $19 Monthly renters insurance cost in West Virginia -6% Compared to national average Get quotes Average cost of renters insurance in West Virginia by coverage levelAs we discussed above, the average cost of renters insurance in West Virginia is $248 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $179 per year for renters insurance in West Virginia, which provides $300,000 in liability protection with a $1000 deductible.Below are the average renters insurance costs in West Virginia for personal property coverage amounts of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$178$15$20,000 with $500 Deductible and $300,000 Liability$193$16$20,000 with $1,000 Deductible and $100,000 Liability$165$14$20,000 with $1,000 Deductible and $300,000 Liability$179$15$40,000 with $500 Deductible and $100,000 Liability$249$21$40,000 with $500 Deductible and $300,000 Liability$266$22$40,000 with $1,000 Deductible and $100,000 Liability$231$19$40,000 with $1,000 Deductible and $300,000 Liability$248$21$60,000 with $500 Deductible and $100,000 Liability$311$26$60,000 with $500 Deductible and $300,000 Liability$331$28$60,000 with $1,000 Deductible and $100,000 Liability$290$24$60,000 with $1,000 Deductible and $300,000 Liability$309$26Powered by:Average cost of renters insurance in West Virginia by cityRenters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of West Virginia.Renters insurance rates in West Virginia by citySee rates in your cityMorgantownAverage cost of renters insurance in West Virginia by ZIP codeThe cost of renters insurance in West Virginia varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in West Virginia.Most affordable ZIP codes for renters insurance in West VirginiaIn West Virginia, your ZIP code plays a major role in determining your premiums. Based on our data, 26554 is the most affordable ZIP code for renters insurance, with an average annual cost of $217.Comparing quotes from multiple insurers in West Virginia is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate26554Fairmont$217$1825403Martinsburg$221$1826431Enterprise$222$1826184Waverly$222$1925419Falling Waters$223$1926180Union$225$1926104North Hills$226$1926408Mount Clare$226$1926201Buckhannon$226$1926508Brookhaven$226$19Powered by:Least affordable ZIP codes for renters insurance in West Virginia24808 is the most expensive ZIP code for renters insurance in West Virginia, at an average cost of $278 annually or $23 monthly.We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in West Virginia. The table below shows the average annual renters insurance rates by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate24808Anawalt$278$2324828Davy$277$2325511Dunlow$275$2325051Costa$274$2325301Charleston$274$2324868Northfork$273$2325524Harts$273$2325047Clothier$272$2325387Charleston$271$2325908Princewick$271$23Powered by:Final thoughts: Average renters insurance in West VirginiaRenters insurance is essential for residents of West Virginia. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.Shivani GiteContributing 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.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWyoming$136/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in West VirginiaBest and cheapest homeowners insurance companies in West VirginiaCost of Living in West Virginia in 2025How much does condo insurance cost in West Virginia in 2025? 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Most Americans don’t 1/1 Related Articles Renters insurance calculator: How much renters insurance costs by state and city in 2026 By Shivani Gite Mobile home insurance cost and coverage in 2026 By Chris Kissell Homeowners insurance rates by state By Jake Safane Cost of living calculator By Nupur Gambhir How much do claims increase home insurance rates? By Les Masterson Average homeowners insurance cost by ZIP code in 2026 By Barry Eitel On this page Average renters insurance cost in West Virginia per monthAverage renters insurance cost in West Virginia by companyAverage cost of renters insurance in West Virginia by coverage levelAverage cost of renters insurance in West Virginia by cityAverage cost of renters insurance in West Virginia by ZIP codeFinal thoughts: Average renters insurance in West Virginia ZIP Code Please enter valid ZIP See rates (844) 761-9316