Cheapest Car Insurance Quotes in Big Chimney

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Big Chimney 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 Big Chimney

The car insurance rate in Big Chimney is $1020 for a six-month policy, which is $32 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $737, making it a popular choice for budget-conscious drivers. Rates in Big Chimney 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 Big Chimney

$1020

Avg. Car Insurance in West Virginia

$1052

National Average

$1278

Cheapest Car Insurance Companies in Big Chimney

1st place: USAA

At $737 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $813 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $847 for six months, making it the third cheapest auto insurance company in Big Chimney.

Big Chimney Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Big Chimney, WV is USAA, offering policies at just $737 for a six-month term. This is followed by Erie, which has an average six-month premium of $813.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1440 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Big Chimney drivers find the best deals.

Cheap Car Insurance Companies in Big Chimney, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$737	$124
Erie	$813	$137
Westfield	$847	$143
Encompass	$899	$153
Progressive	$1025	$173
State Farm	$1025	$173
Nationwide	$1377	$230
Allstate	$1440	$243

Key Takeaways

Way's key takeaways about car insurance in Big Chimney

The auto insurance costs in Big Chimney fall around $737 for six months.
The cheapest auto insurance company in Big Chimney is USAA.
Teen drivers pay the highest rate in Big Chimney at $913 per month.

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Cheapest Minimum Liability Car Insurance in Big Chimney

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 Big Chimney are given below.

USAA provides the cheapest minimum car insurance coverage in Big Chimney. Their Average 6 Month Premium is $184. Nationwide is the most expensive at $582 for the same period.

Cheapest Liability Coverage in Big Chimney, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$184	$31
Westfield	$184	$31
Erie	$196	$33
Encompass	$271	$46
State Farm	$276	$47
Allstate	$501	$85
Progressive	$507	$84
Nationwide	$582	$99

Cheapest Full Coverage Car Insurance in Big Chimney

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 Big Chimney is USAA at $124 per month and $737 for six months.

Cheapest Full Coverage Car Insurance Quotes in Big Chimney, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$737	$124
Erie	$813	$137
Westfield	$847	$143
Encompass	$899	$153
Progressive	$1025	$173
State Farm	$1025	$173
Nationwide	$1377	$230
Allstate	$1440	$243

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Average Car Insurance in Big Chimney 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 Big Chimney, WV increasing?

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

Car Insurance Premiums by Age in Big Chimney

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 Big Chimney,WV

If you are planning to get a car insurance policy for your teenage dependent, Erie provides the cheapest car insurance in the Big Chimney at $185 per month. At $5480 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1101	$185
Westfield	$1141	$192
USAA	$1308	$220
State Farm	$1763	$297
Progressive	$3808	$641
Allstate	$4955	$834
Nationwide	$5480	$913

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 Big Chimney, Westfield is the cheapest car insurance provider. At $731 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 Big Chimney is State Farm, offering rates of around $4178 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$731	$123
USAA	$1215	$203
Erie	$1792	$305
Nationwide	$1890	$315
Progressive	$2074	$353
Allstate	$2253	$375
State Farm	$4178	$710

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Car Insurance Rates with An Accident in Big Chimney

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

Cheapest Car Insurance Companies after an At-Fault Accident in Big Chimney

The cheapest car insurance companies after an at-fault accident in Big Chimney include Encompass and Erie, offering $357 and $645, respectively. Nationwide is an expensive provider with an average six-month premium of $2258.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$357	$59
Erie	$645	$109
Westfield	$703	$118
USAA	$726	$122
State Farm	$790	$133
Progressive	$1699	$286
Allstate	$2195	$370
Nationwide	$2258	$384

Big Chimney Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Big Chimney WV. For example, the car insurance in Big Chimney after a DUI increases to $772 for a six month policy. While the rate increases by $190 for a six-month policy in the case of a speeding ticket.

Big Chimney auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$997	$166
One Med/PIP claim	$997	$170
One comp claim	$1031	$172
Not-at-fault accident	$1037	$177
Two Med/PIP claims	$1043	$174
Two comp claims	$1095	$186
Failure to wear a seat belt	$1117	$186
Failure to show documents	$1135	$193
Driving without lights	$1147	$191
Cell phone violation	$1181	$201
Texting while driving	$1181	$197
Speeding 6 - 10 MPH over limit	$1187	$202
Driving with expired registration	$1193	$199
Driving too slowly	$1199	$204
Failure to stop at a red light	$1199	$200
Following too closely	$1199	$204
Illegal turn	$1199	$200
Improper passing	$1199	$204
Speeding 11 - 15 MPH over limit	$1199	$200
Speeding in school zone	$1199	$204
Wrong way/wrong lane	$1199	$200
Failure to yield	$1204	$205
Speeding 16 - 20 MPH over limit	$1204	$201
In 65 MPH zone	$1210	$206
Speeding 21 - 25 MPH over limit	$1210	$202
Passing school bus	$1239	$210
Child safety restraint	$1245	$208
Operating a vehicle without permission	$1245	$211
At-fault accident - less than $1000	$1337	$223
Open container	$1348	$229
At-fault accident - $1000-$2000	$1452	$242
At-fault accident - greater than $2000	$1452	$247
Driving with a suspended license	$1596	$266
Reckless driving	$1660	$282
DUI	$1769	$295
Refusal to submit to a chemical test	$1769	$301
Racing	$1775	$296
Leaving scene of an accident/hit and run	$1780	$303

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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 Big Chimney 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 Big Chimney.

The cheapest car insurance premiums in Big Chimney are offered by Erie at $922 for a six-month policy. However, it can be as expensive as $2834 with companies like Nationwide.

Big Chimney car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$922	$155
USAA	$1072	$180
State Farm	$1101	$185
Progressive	$1274	$214
Westfield	$1348	$227
Allstate	$1942	$327
Nationwide	$2834	$472

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 Big Chimney are offered by Westfield at $519. However, it can be as expensive as $1809 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Big Chimney after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$519	$87
Erie	$553	$93
State Farm	$674	$113
USAA	$749	$125
Progressive	$1596	$272
Allstate	$1740	$290
Nationwide	$1809	$307

Car Insurance Price Trends in Big Chimney, West Virginia

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

The average cost of full coverage in the Big Chimney rose by $215 in January compared to $188 of December. In other words, there has been an increase by $27 when you compare January and December.

The average cost of liability insurance in the Big Chimney rose to $47 in January, compared to $45 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Big Chimney?

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

What is the cheapest car insurance in Big Chimney?

The cheapest car insurance in Big Chimney is $124 per month for full coverage.

How much is car insurance in Big Chimney for teenagers?

Car insurance for teenagers costs $1101 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 Big Chimney?

The average cost of car insurance is $1052 for a six-month policy. It will cost around $172 per month to insure your car in Big Chimney.

Is car insurance expensive in Big Chimney?

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

Cheapest Car Insurance Quotes in Big Chimney

Why you can trust Way?

How Much Is Car Insurance in Big Chimney

Avg. Car Insurance in Big Chimney

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Big Chimney

1st place: USAA

2nd place: Erie

3rd place: Westfield

Big Chimney Car Insurance Rates by Company

Cheap Car Insurance Companies in Big Chimney, WV

Way's key takeaways about car insurance in Big Chimney

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Big Chimney

Cheapest Liability Coverage in Big Chimney, WV

Cheapest Full Coverage Car Insurance in Big Chimney

Cheapest Full Coverage Car Insurance Quotes in Big Chimney, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Big Chimney by Rating Factor

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

Car Insurance Premiums by Age in Big Chimney

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Big Chimney,WV

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

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 Big Chimney

Cheapest Car Insurance Companies after an At-Fault Accident in Big Chimney

Big Chimney Car Insurance Rates by Violation

Big Chimney auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Big Chimney after a DUI

Big Chimney car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Big Chimney after Speeding ticket

Car Insurance Price Trends in Big Chimney, West Virginia

Average Car Insurance Cost in Big Chimney by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Big Chimney, WV

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

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