Cheapest Car Insurance Quotes in Alum Creek

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Alum Creek Car Insurance

^$ 32

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Alum Creek

The car insurance rate in Alum Creek is $1011 for a six-month policy, which is $39 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $773, making it a popular choice for budget-conscious drivers. Rates in Alum Creek can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Alum Creek

$1011

Avg. Car Insurance in West Virginia

$972

National Average

$1140

Cheapest Car Insurance Companies in Alum Creek

1st place: USAA

At $773 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $847 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $872 for six months, making it the third cheapest auto insurance company in Alum Creek.

Alum Creek Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Alum Creek, WV is USAA, offering policies at just $773 for a six-month term. This is followed by Erie, which has an average six-month premium of $847.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1489 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Alum Creek drivers find the best deals.

Cheap Car Insurance Companies in Alum Creek, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$773	$130
Erie	$847	$142
Westfield	$872	$147
Encompass	$964	$164
State Farm	$964	$162
Progressive	$1032	$174
Nationwide	$1149	$191
Allstate	$1489	$251

Key Takeaways

Way's key takeaways about car insurance in Alum Creek

The auto insurance costs in Alum Creek fall around $773 for six months.
The cheapest auto insurance company in Alum Creek is USAA.
Teen drivers pay the highest rate in Alum Creek at $855 per month.

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Cheapest Minimum Liability Car Insurance in Alum Creek

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Alum Creek are given below.

USAA provides the cheapest minimum car insurance coverage in Alum Creek. Their Average 6 Month Premium is $191. Allstate is the most expensive at $556 for the same period.

Cheapest Liability Coverage in Alum Creek, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$191	$32
Westfield	$191	$32
Erie	$210	$35
State Farm	$271	$46
Encompass	$290	$49
Nationwide	$506	$86
Progressive	$538	$89
Allstate	$556	$95

Cheapest Full Coverage Car Insurance in Alum Creek

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Alum Creek is USAA at $130 per month and $773 for six months.

Cheapest Full Coverage Car Insurance Quotes in Alum Creek, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$773	$130
Erie	$847	$142
Westfield	$872	$147
Encompass	$964	$164
State Farm	$964	$162
Progressive	$1032	$174
Nationwide	$1149	$191
Allstate	$1489	$251

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Average Car Insurance in Alum Creek by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Alum Creek, WV increasing?

Despite maintaining a clean driving record, your car insurance rates in Alum Creek, West Virginia, may be increasing due to several external factors. West Virginia has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Alum Creek's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Alum Creek

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Alum Creek,WV

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Alum Creek at $185 per month. At $5078 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$1099	$185
Erie	$1118	$188
USAA	$1347	$227
State Farm	$1723	$290
Progressive	$3725	$627
Nationwide	$4442	$755
Allstate	$5078	$855

Teen Car Insurance Rates in WV by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Alum Creek, Westfield is the cheapest car insurance provider. At $673 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Alum Creek is State Farm, offering rates of around $3293 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$673	$113
USAA	$1162	$193
Progressive	$1557	$265
Nationwide	$1569	$261
Erie	$1618	$276
Allstate	$2224	$370
State Farm	$3293	$560

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Car Insurance Rates with An Accident in Alum Creek

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Alum Creek, WV, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Alum Creek

The cheapest car insurance companies after an at-fault accident in Alum Creek include Encompass and Erie, offering $383 and $668, respectively. Allstate is an expensive provider with an average six-month premium of $2125.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$383	$63
Erie	$668	$112
Westfield	$710	$120
USAA	$754	$127
State Farm	$803	$135
Progressive	$1767	$297
Nationwide	$1847	$308
Allstate	$2125	$358

Alum Creek Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Alum Creek WV. For example, the car insurance in Alum Creek after a DUI increases to $828 for a six month policy. While the rate increases by $204 for a six-month policy in the case of a speeding ticket.

Alum Creek auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1069	$178
One Med/PIP claim	$1069	$182
One comp claim	$1106	$184
Not-at-fault accident	$1112	$189
Two Med/PIP claims	$1118	$186
Two comp claims	$1174	$200
Failure to wear a seat belt	$1198	$200
Failure to show documents	$1217	$207
Driving without lights	$1229	$205
Cell phone violation	$1267	$215
Texting while driving	$1267	$211
Speeding 6 - 10 MPH over limit	$1273	$216
Driving with expired registration	$1279	$213
Driving too slowly	$1285	$218
Failure to stop at a red light	$1285	$214
Following too closely	$1285	$218
Illegal turn	$1285	$214
Improper passing	$1285	$218
Speeding 11 - 15 MPH over limit	$1285	$214
Speeding in school zone	$1285	$218
Wrong way/wrong lane	$1285	$214
Failure to yield	$1291	$219
Speeding 16 - 20 MPH over limit	$1291	$215
In 65 MPH zone	$1297	$220
Speeding 21 - 25 MPH over limit	$1297	$216
Passing school bus	$1328	$226
Child safety restraint	$1334	$223
Operating a vehicle without permission	$1334	$227
At-fault accident - less than $1000	$1433	$239
Open container	$1446	$245
At-fault accident - $1000-$2000	$1557	$259
At-fault accident - greater than $2000	$1557	$265
Driving with a suspended license	$1711	$285
Reckless driving	$1779	$303
DUI	$1897	$316
Refusal to submit to a chemical test	$1897	$322
Racing	$1903	$317
Leaving scene of an accident/hit and run	$1908	$324

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Alum Creek after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Alum Creek.

The cheapest car insurance premiums in Alum Creek are offered by Erie at $952 for a six-month policy. However, it can be as expensive as $2305 with companies like Nationwide.

Alum Creek car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$952	$160
State Farm	$1075	$181
USAA	$1112	$187
Progressive	$1186	$200
Westfield	$1359	$229
Allstate	$2002	$337
Nationwide	$2305	$384

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Alum Creek are offered by Westfield at $475. However, it can be as expensive as $1489 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Alum Creek after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$475	$80
Erie	$525	$88
State Farm	$574	$97
USAA	$710	$119
Progressive	$1180	$201
Allstate	$1477	$246
Nationwide	$1489	$253

Car Insurance Price Trends in Alum Creek, West Virginia

Car insurance rates in Alum Creek have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Alum Creek remained steady at $202 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Alum Creek rose to $48 in December, compared to $47 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Alum Creek?

The car insurance in Alum Creek is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Alum Creek?

The cheapest car insurance in Alum Creek is $130 per month for full coverage.

How much is car insurance in Alum Creek for teenagers?

Car insurance for teenagers costs $1099 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Alum Creek?

The average cost of car insurance is $972 for a six-month policy. It will cost around $170 per month to insure your car in Alum Creek.

Is car insurance expensive in Alum Creek?

Car insurance can be expensive in Alum Creek if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Alum Creek can be affordable.

Cheapest Car Insurance Quotes in Alum Creek

Why you can trust Way?

How Much Is Car Insurance in Alum Creek

Avg. Car Insurance in Alum Creek

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Alum Creek

1st place: USAA

2nd place: Erie

3rd place: Westfield

Alum Creek Car Insurance Rates by Company

Cheap Car Insurance Companies in Alum Creek, WV

Way's key takeaways about car insurance in Alum Creek

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Alum Creek

Cheapest Liability Coverage in Alum Creek, WV

Cheapest Full Coverage Car Insurance in Alum Creek

Cheapest Full Coverage Car Insurance Quotes in Alum Creek, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Alum Creek by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Alum Creek, WV increasing?

Car Insurance Premiums by Age in Alum Creek

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Alum Creek,WV

If you are in your twenties N/A is the best choice for car insurance in Alum Creek.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Alum Creek

Cheapest Car Insurance Companies after an At-Fault Accident in Alum Creek

Alum Creek Car Insurance Rates by Violation

Alum Creek auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Alum Creek after a DUI

Alum Creek car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Alum Creek after Speeding ticket

Car Insurance Price Trends in Alum Creek, West Virginia

Average Car Insurance Cost in Alum Creek by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Alum Creek, WV

Car Insurance Rates by State in the USA (2025 Update)

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