Renters insurance is a must-have for renters in West Virginia. It will cover your belongings in the event that they suffer damage from windstorm, fire, thefts or vandalism or any other natural disasters. The average cost of renters insurance in West Virginia is $240 a year.

Insurance experts at Insure.com have analyzed price quotes from all the major renters insurance companies in West Virginia to help you find affordable renters insurance policy. Read this guide to find out which carrier offers cheap rates, better coverage options and excellent customer service. Below is the list of cheapest renters insurance companies in West Virginia:

  • Allstate
  • USAA
  • Safeco
  • Liberty
  • American Select

Cheapest renters insurance companies in West Virginia

Based on Insure.com’s analysis, West Virginia’s most affordable insurance company is Allstate. Its average annual rate is $203 or $17 per month. USAA is the second cheapest renters insurance provider among the carriers surveyed. It offers insurance at about $222 year on average.

CompanyAverage annual rateAverage monthly rate
Allstate$203$17
USAA$222$18
Safeco$239$20
Liberty$246$20
American Select$307$26
State Farm$316$26
Nationwide$384$32
Erie$459$38

Average cost of renters insurance in West Virginia by coverage level

The average cost of renters insurance in West Virginia is $240 per year or $20 per month.

The cost of insurance varies depending on the insurance company and the coverage limits you choose. Below are the average annual renters insurance rates for different personal property coverage. These rates are for the deductible amount of $1000 and $300,000 as liability protection.

Coverage levelAvg. annual renters insurance rateAvg. monthly renters insurance rate
$20,000$240$20
$40,000$328$27
$60,000$406$34

Most affordable ZIP codes for renters insurance in West Virginia

Renters insurance rates vary depending on the zip code. The most affordable zip code for renters insurance in West Virginia is 26301 at about $296 a year on average.

Based on Insure.com’s study, we have put together a list of the most affordable zip codes for renters insurance for West Virginia renters.

ZIP codeAverage annual rateAverage monthly rate
26301$296$25
26323$297$25
26330$298$25
26424$299$25
26339$300$25
26105$301$25
26104$302$25
24901$303$25
24931$304$25
24910$305$25

Least affordable ZIP codes for renters insurance in West Virginia

The cost of renters insurance varies considerably across the United States, depending on your location. The weather patterns and crime rates in your area impact how much you pay for insurance. The least affordable zip code for renters insurance in West Virginia is 25505, at an average of $331 a year.

Find below the least affordable zip codes and their average annual rates for West Virginia renters.

ZIP codeAverage annual rateAverage monthly rate
25505$331$28
25665$330$28
25003$329$27
25183$328$27
25625$327$27
24808$326$27
24846$325$27
24716$324$27
24811$323$27
24850$322$27

Renters and auto bundle discounts in West Virginia

One of the easiest ways to save money on car insurance is by purchasing both your auto and renters policies from the same company. A renters and auto bundle can save you an average of $87 a year or 5% annually, based on a rate analysis by Insure.com. Renters insurance costs vary depending on your personal situation. Make sure you compare policy quotes before choosing one.

CompanyAverage annual rateAverage base annual rate (without bundling)$ bundle average savings% bundle average savings
State Farm$1,228$1,285$574%
Nationwide$1,424$1,519$966%
Progressive $1,671$1,874$20311%
Westfield $1,806$1,895$895%
Geico$2,241$2,301$603%
Allstate$2,738$2,758$191%

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