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Berea Car Insurance
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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.
The car insurance rate in Berea 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 Berea 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.
At $773 for a six month policy, USAA offers the cheapest auto insurance rates in the city.
Erie offers auto insurance rates at $847 for a six-month policy, making it one of the cheapest to insure with.
Westfield offers auto insurance rates at $872 for six months, making it the third cheapest auto insurance company in Berea.
Based on our research, the cheapest car insurance company in Berea, 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 Berea drivers find the best deals.
| 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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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 Berea are given below.
USAA provides the cheapest minimum car insurance coverage in Berea. Their Average 6 Month Premium is $191. Allstate is the most expensive at $556 for the same period.
| 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 |
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 Berea is USAA at $130 per month and $773 for six months.
| 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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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.
Despite maintaining a clean driving record, your car insurance rates in Berea, 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, Berea's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Berea 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
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.
For those with poor credit scores in Berea, 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 Berea 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 |
Save up to $971/yr on car insurance rates in Berea.
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 Berea, WV, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Berea 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 |
Here is a list of driving violations that can increase your car insurance rates in Berea WV. For example, the car insurance in Berea 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.
| 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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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.
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 Berea.
The cheapest car insurance premiums in Berea are offered by Erie at $952 for a six-month policy. However, it can be as expensive as $2305 with companies like Nationwide.
| 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 |
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 Berea are offered by Westfield at $475. However, it can be as expensive as $1489 with companies like Nationwide for a similar six-month premium.
| 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 rates in Berea have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Berea 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 Berea rose to $48 in December, compared to $47 in November. This represents an increase of $1 when comparing December and November.
How much is car insurance in Berea?
The car insurance in Berea is $32 per month, which is lower than the national average.
What is the cheapest car insurance in Berea?
The cheapest car insurance in Berea is $130 per month for full coverage.
How much is car insurance in Berea 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 Berea?
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 Berea.
Is car insurance expensive in Berea?
Car insurance can be expensive in Berea if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Berea can be affordable.
What is the best car insurance in Berea, WV?
The best car insurance company in Berea WV is USAA, offering $773 for a six-month policy.
Cut auto insurance costs in Berea right now.