Average Renters Insurance Cost in West Virginia

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 $244 per year or $20 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 $244 per year or $20 per month.
State Farm provides the least expensive renters insurance in West Virginia at an average rate of $186 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 month

The average cost of renters insurance in West Virginia is $20 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 month	Difference compared to national average
$20	$4 less

Average renters insurance cost in West Virginia by company

State Farm offers the most affordable renters insurance in West Virginia at an average annual rate of $186, followed by Allstate and Westfield Insurance, based on our data.

However, you should get multiple quotes from various renters insurance companies in West Virginia because the prices vary greatly among carriers.

Below, we have compared the average annual and monthly renters insurance rates of insurance companies across West Virginia.

Company	Average annual rate	Average monthly rate
State Farm	$186	$16
Allstate	$223	$19
Westfield Insurance	$243	$20
Nationwide	$252	$21
Erie Insurance	$373	$31
USAA*	$186	$15

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

Renters insurance calculator in West Virginia

$226/year

Estimated renters insurance rates in West Virginia

$19

Monthly renters insurance cost in West Virginia

-16%

Compared to national average

Average cost of renters insurance in West Virginia by coverage level

On average, West Virginia renters pay $244 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.

Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in West Virginia to $176 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.

Below are the average annual renters insurance costs in West Virginia for personal property coverage of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$173	$14
$20,000 with $500 Deductible and $300,000 Liability	$188	$16
$20,000 with $1,000 Deductible and $100,000 Liability	$162	$13
$20,000 with $1,000 Deductible and $300,000 Liability	$176	$15
$40,000 with $500 Deductible and $100,000 Liability	$243	$20
$40,000 with $500 Deductible and $300,000 Liability	$261	$22
$40,000 with $1,000 Deductible and $100,000 Liability	$226	$19
$40,000 with $1,000 Deductible and $300,000 Liability	$244	$20
$60,000 with $500 Deductible and $100,000 Liability	$308	$26
$60,000 with $500 Deductible and $300,000 Liability	$328	$27
$60,000 with $1,000 Deductible and $100,000 Liability	$289	$24
$60,000 with $1,000 Deductible and $300,000 Liability	$309	$26

Average cost of renters insurance in West Virginia by city

Renters insurance premiums can vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in West Virginia and find the best fit for your budget.

Renters insurance rates in West Virginia by city

See rates in your city

Morgantown

Average cost of renters insurance in West Virginia by ZIP code

In West Virginia, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.

Most affordable ZIP codes for renters insurance in West Virginia

The amount West Virginia renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 26431 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $216.

Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in West Virginia.

ZIP code	City	Average annual rate	Average monthly rate
26431	Northern	$216	$18
26241	Leadsville	$217	$18
26554	Palatine	$217	$18
26767	Wiley Ford	$217	$18
26270	Harman	$218	$18
26710	Burlington	$219	$18
26301	Clarksburg	$219	$18
26201	Second	$219	$18
24976	Sinks Grove	$219	$18
26330	Bridgeport	$220	$18

Least affordable ZIP codes for renters insurance in West Virginia

Among the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in West Virginia is 24868, with an average cost of $277 a year or $23 monthly.

We analyzed quotes from multiple insurance providers across every ZIP code in West Virginia. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
24868	Northfork	$277	$23
25540	Midkiff	$275	$23
24808	Anawalt	$274	$23
26206	Cowen	$274	$23
24860	Matheny	$272	$23
25908	Princewick	$272	$23
25108	Hewett	$269	$22
25902	Odd	$269	$22
25047	Clothier	$268	$22
25625	Holden	$268	$22

Final thoughts: Average renters insurance in West Virginia

Renters 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 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.