Cheapest Car Insurance Quotes in Amherstdale

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Amherstdale Car Insurance

^$ 34

/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 Amherstdale

The car insurance rate in Amherstdale is $1079 for a six-month policy, which is $107 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $825, making it a popular choice for budget-conscious drivers. Rates in Amherstdale 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 Amherstdale

$1079

Avg. Car Insurance in West Virginia

$972

National Average

$1140

Cheapest Car Insurance Companies in Amherstdale

1st place: USAA

At $825 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $904 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $930 for six months, making it the third cheapest auto insurance company in Amherstdale.

Amherstdale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Amherstdale, WV is USAA, offering policies at just $825 for a six-month term. This is followed by Erie, which has an average six-month premium of $904.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1590 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Amherstdale drivers find the best deals.

Cheap Car Insurance Companies in Amherstdale, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$825	$139
Erie	$904	$152
Westfield	$930	$157
Encompass	$1029	$175
State Farm	$1029	$173
Progressive	$1101	$185
Nationwide	$1227	$204
Allstate	$1590	$268

Key Takeaways

Way's key takeaways about car insurance in Amherstdale

The auto insurance costs in Amherstdale fall around $825 for six months.
The cheapest auto insurance company in Amherstdale is USAA.
Teen drivers pay the highest rate in Amherstdale at $912 per month.

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Cheapest Minimum Liability Car Insurance in Amherstdale

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 Amherstdale are given below.

USAA provides the cheapest minimum car insurance coverage in Amherstdale. Their Average 6 Month Premium is $204. Allstate is the most expensive at $594 for the same period.

Cheapest Liability Coverage in Amherstdale, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$204	$34
Westfield	$204	$34
Erie	$224	$38
State Farm	$290	$49
Encompass	$310	$52
Nationwide	$541	$92
Progressive	$574	$95
Allstate	$594	$101

Cheapest Full Coverage Car Insurance in Amherstdale

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 Amherstdale is USAA at $139 per month and $825 for six months.

Cheapest Full Coverage Car Insurance Quotes in Amherstdale, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$825	$139
Erie	$904	$152
Westfield	$930	$157
Encompass	$1029	$175
State Farm	$1029	$173
Progressive	$1101	$185
Nationwide	$1227	$204
Allstate	$1590	$268

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Average Car Insurance in Amherstdale 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 Amherstdale, WV increasing?

Despite maintaining a clean driving record, your car insurance rates in Amherstdale, 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, Amherstdale's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Amherstdale

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 Amherstdale,WV

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Amherstdale at $198 per month. At $5420 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$1173	$198
Erie	$1193	$201
USAA	$1437	$242
State Farm	$1839	$310
Progressive	$3976	$669
Nationwide	$4741	$806
Allstate	$5420	$912

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 Amherstdale, Westfield is the cheapest car insurance provider. At $718 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 Amherstdale is State Farm, offering rates of around $3514 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$718	$121
USAA	$1240	$206
Progressive	$1662	$283
Nationwide	$1675	$279
Erie	$1727	$294
Allstate	$2373	$395
State Farm	$3514	$597

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Save up to $971/yr on car insurance rates in Amherstdale.

Car Insurance Rates with An Accident in Amherstdale

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 Amherstdale, WV, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Amherstdale

The cheapest car insurance companies after an at-fault accident in Amherstdale include Encompass and Erie, offering $408 and $713, respectively. Allstate is an expensive provider with an average six-month premium of $2268.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$408	$68
Erie	$713	$120
Westfield	$758	$128
USAA	$805	$135
State Farm	$857	$144
Progressive	$1886	$317
Nationwide	$1971	$329
Allstate	$2268	$382

Amherstdale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Amherstdale WV. For example, the car insurance in Amherstdale after a DUI increases to $884 for a six month policy. While the rate increases by $218 for a six-month policy in the case of a speeding ticket.

Amherstdale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1141	$190
One Med/PIP claim	$1141	$194
One comp claim	$1180	$196
Not-at-fault accident	$1187	$202
Two Med/PIP claims	$1193	$199
Two comp claims	$1253	$213
Failure to wear a seat belt	$1279	$213
Failure to show documents	$1299	$221
Driving without lights	$1312	$219
Cell phone violation	$1352	$230
Texting while driving	$1352	$225
Speeding 6 - 10 MPH over limit	$1359	$231
Driving with expired registration	$1365	$228
Driving too slowly	$1372	$233
Failure to stop at a red light	$1372	$229
Following too closely	$1372	$233
Illegal turn	$1372	$229
Improper passing	$1372	$233
Speeding 11 - 15 MPH over limit	$1372	$229
Speeding in school zone	$1372	$233
Wrong way/wrong lane	$1372	$229
Failure to yield	$1378	$234
Speeding 16 - 20 MPH over limit	$1378	$230
In 65 MPH zone	$1384	$235
Speeding 21 - 25 MPH over limit	$1384	$231
Passing school bus	$1417	$241
Child safety restraint	$1424	$238
Operating a vehicle without permission	$1424	$242
At-fault accident - less than $1000	$1530	$255
Open container	$1543	$262
At-fault accident - $1000-$2000	$1662	$276
At-fault accident - greater than $2000	$1662	$283
Driving with a suspended license	$1826	$304
Reckless driving	$1899	$323
DUI	$2025	$337
Refusal to submit to a chemical test	$2025	$344
Racing	$2031	$339
Leaving scene of an accident/hit and run	$2037	$346

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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 Amherstdale 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 Amherstdale.

The cheapest car insurance premiums in Amherstdale are offered by Erie at $1016 for a six-month policy. However, it can be as expensive as $2460 with companies like Nationwide.

Amherstdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1016	$171
State Farm	$1148	$193
USAA	$1187	$200
Progressive	$1265	$213
Westfield	$1451	$244
Allstate	$2137	$360
Nationwide	$2460	$410

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 Amherstdale are offered by Westfield at $507. However, it can be as expensive as $1590 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Amherstdale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$507	$85
Erie	$561	$94
State Farm	$613	$103
USAA	$758	$127
Progressive	$1260	$214
Allstate	$1576	$263
Nationwide	$1590	$270

Car Insurance Price Trends in Amherstdale, West Virginia

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

The average cost of full coverage in the Amherstdale remained steady at $215 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Amherstdale rose to $51 in December, compared to $50 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 Amherstdale?

The car insurance in Amherstdale is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Amherstdale?

The cheapest car insurance in Amherstdale is $139 per month for full coverage.

How much is car insurance in Amherstdale for teenagers?

Car insurance for teenagers costs $1173 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 Amherstdale?

The average cost of car insurance is $972 for a six-month policy. It will cost around $181 per month to insure your car in Amherstdale.

Is car insurance expensive in Amherstdale?

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

Cheapest Car Insurance Quotes in Amherstdale

Why you can trust Way?

How Much Is Car Insurance in Amherstdale

Avg. Car Insurance in Amherstdale

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Amherstdale

1st place: USAA

2nd place: Erie

3rd place: Westfield

Amherstdale Car Insurance Rates by Company

Cheap Car Insurance Companies in Amherstdale, WV

Way's key takeaways about car insurance in Amherstdale

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Amherstdale

Cheapest Liability Coverage in Amherstdale, WV

Cheapest Full Coverage Car Insurance in Amherstdale

Cheapest Full Coverage Car Insurance Quotes in Amherstdale, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Amherstdale by Rating Factor

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

Car Insurance Premiums by Age in Amherstdale

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Amherstdale,WV

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

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 Amherstdale

Cheapest Car Insurance Companies after an At-Fault Accident in Amherstdale

Amherstdale Car Insurance Rates by Violation

Amherstdale auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Amherstdale after a DUI

Amherstdale car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Amherstdale after Speeding ticket

Car Insurance Price Trends in Amherstdale, West Virginia

Average Car Insurance Cost in Amherstdale by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Amherstdale, WV

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

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