Cheapest Car Insurance Quotes in Barboursville

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Barboursville Car Insurance

^$ 31

/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 Barboursville

The car insurance rate in Barboursville is $972 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $743, making it a popular choice for budget-conscious drivers. Rates in Barboursville 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 Barboursville

$972

Avg. Car Insurance in West Virginia

$972

National Average

$1140

Cheapest Car Insurance Companies in Barboursville

1st place: USAA

At $743 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $814 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $838 for six months, making it the third cheapest auto insurance company in Barboursville.

Barboursville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Barboursville, WV is USAA, offering policies at just $743 for a six-month term. This is followed by Erie, which has an average six-month premium of $814.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1432 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Barboursville drivers find the best deals.

Cheap Car Insurance Companies in Barboursville, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$743	$125
Erie	$814	$137
Westfield	$838	$141
Encompass	$927	$158
State Farm	$927	$156
Progressive	$992	$167
Nationwide	$1105	$184
Allstate	$1432	$241

Key Takeaways

Way's key takeaways about car insurance in Barboursville

The auto insurance costs in Barboursville fall around $743 for six months.
The cheapest auto insurance company in Barboursville is USAA.
Teen drivers pay the highest rate in Barboursville at $822 per month.

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Cheapest Minimum Liability Car Insurance in Barboursville

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 Barboursville are given below.

USAA provides the cheapest minimum car insurance coverage in Barboursville. Their Average 6 Month Premium is $184. Allstate is the most expensive at $535 for the same period.

Cheapest Liability Coverage in Barboursville, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$184	$31
Westfield	$184	$31
Erie	$202	$34
State Farm	$261	$44
Encompass	$279	$47
Nationwide	$487	$83
Progressive	$517	$86
Allstate	$535	$91

Cheapest Full Coverage Car Insurance in Barboursville

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 Barboursville is USAA at $125 per month and $743 for six months.

Cheapest Full Coverage Car Insurance Quotes in Barboursville, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$743	$125
Erie	$814	$137
Westfield	$838	$141
Encompass	$927	$158
State Farm	$927	$156
Progressive	$992	$167
Nationwide	$1105	$184
Allstate	$1432	$241

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Average Car Insurance in Barboursville 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 Barboursville, WV increasing?

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

Car Insurance Premiums by Age in Barboursville

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 Barboursville,WV

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Barboursville at $178 per month. At $4883 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$1057	$178
Erie	$1075	$181
USAA	$1295	$218
State Farm	$1657	$279
Progressive	$3582	$603
Nationwide	$4271	$726
Allstate	$4883	$822

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 Barboursville, Westfield is the cheapest car insurance provider. At $647 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 Barboursville is State Farm, offering rates of around $3166 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$647	$109
USAA	$1117	$186
Progressive	$1497	$255
Nationwide	$1509	$251
Erie	$1556	$265
Allstate	$2138	$356
State Farm	$3166	$538

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Car Insurance Rates with An Accident in Barboursville

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

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

The cheapest car insurance companies after an at-fault accident in Barboursville include Encompass and Erie, offering $368 and $642, respectively. Allstate is an expensive provider with an average six-month premium of $2043.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$368	$61
Erie	$642	$108
Westfield	$683	$115
USAA	$725	$122
State Farm	$772	$130
Progressive	$1699	$286
Nationwide	$1776	$296
Allstate	$2043	$344

Barboursville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Barboursville WV. For example, the car insurance in Barboursville after a DUI increases to $796 for a six month policy. While the rate increases by $196 for a six-month policy in the case of a speeding ticket.

Barboursville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1028	$171
One Med/PIP claim	$1028	$175
One comp claim	$1063	$177
Not-at-fault accident	$1069	$182
Two Med/PIP claims	$1075	$179
Two comp claims	$1129	$192
Failure to wear a seat belt	$1152	$192
Failure to show documents	$1170	$199
Driving without lights	$1182	$197
Cell phone violation	$1218	$207
Texting while driving	$1218	$203
Speeding 6 - 10 MPH over limit	$1224	$208
Driving with expired registration	$1230	$205
Driving too slowly	$1236	$210
Failure to stop at a red light	$1236	$206
Following too closely	$1236	$210
Illegal turn	$1236	$206
Improper passing	$1236	$210
Speeding 11 - 15 MPH over limit	$1236	$206
Speeding in school zone	$1236	$210
Wrong way/wrong lane	$1236	$206
Failure to yield	$1241	$211
Speeding 16 - 20 MPH over limit	$1241	$207
In 65 MPH zone	$1247	$212
Speeding 21 - 25 MPH over limit	$1247	$208
Passing school bus	$1277	$217
Child safety restraint	$1283	$214
Operating a vehicle without permission	$1283	$218
At-fault accident - less than $1000	$1378	$230
Open container	$1390	$236
At-fault accident - $1000-$2000	$1497	$249
At-fault accident - greater than $2000	$1497	$255
Driving with a suspended license	$1645	$274
Reckless driving	$1711	$291
DUI	$1824	$304
Refusal to submit to a chemical test	$1824	$310
Racing	$1830	$305
Leaving scene of an accident/hit and run	$1835	$312

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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 Barboursville 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 Barboursville.

The cheapest car insurance premiums in Barboursville are offered by Erie at $915 for a six-month policy. However, it can be as expensive as $2216 with companies like Nationwide.

Barboursville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$915	$154
State Farm	$1034	$174
USAA	$1069	$180
Progressive	$1140	$192
Westfield	$1307	$220
Allstate	$1925	$324
Nationwide	$2216	$369

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 Barboursville are offered by Westfield at $457. However, it can be as expensive as $1432 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Barboursville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$457	$77
Erie	$505	$85
State Farm	$552	$93
USAA	$683	$114
Progressive	$1135	$193
Allstate	$1420	$237
Nationwide	$1432	$243

Car Insurance Price Trends in Barboursville, West Virginia

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

The average cost of full coverage in the Barboursville remained steady at $194 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Barboursville rose to $46 in December, compared to $45 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 Barboursville?

The car insurance in Barboursville is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Barboursville?

The cheapest car insurance in Barboursville is $125 per month for full coverage.

How much is car insurance in Barboursville for teenagers?

Car insurance for teenagers costs $1057 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 Barboursville?

The average cost of car insurance is $972 for a six-month policy. It will cost around $163 per month to insure your car in Barboursville.

Is car insurance expensive in Barboursville?

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

Cheapest Car Insurance Quotes in Barboursville

Why you can trust Way?

How Much Is Car Insurance in Barboursville

Avg. Car Insurance in Barboursville

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Barboursville

1st place: USAA

2nd place: Erie

3rd place: Westfield

Barboursville Car Insurance Rates by Company

Cheap Car Insurance Companies in Barboursville, WV

Way's key takeaways about car insurance in Barboursville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Barboursville

Cheapest Liability Coverage in Barboursville, WV

Cheapest Full Coverage Car Insurance in Barboursville

Cheapest Full Coverage Car Insurance Quotes in Barboursville, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Barboursville by Rating Factor

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

Car Insurance Premiums by Age in Barboursville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Barboursville,WV

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

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 Barboursville

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

Barboursville Car Insurance Rates by Violation

Barboursville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Barboursville after a DUI

Barboursville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Barboursville after Speeding ticket

Car Insurance Price Trends in Barboursville, West Virginia

Average Car Insurance Cost in Barboursville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Barboursville, WV

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

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