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Finding the cheapest car insurance quotes in Big Springs shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Springs
The car insurance rate in Big Springs is $1136 for a six-month policy, which is $84 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $821, making it a popular choice for budget-conscious drivers. Rates in Big Springs 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 $821 for a six
month policy, USAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Erie
Erie offers auto
insurance rates at $905 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $943
for six months, making it
the third cheapest auto insurance company in Big Springs.
Big Springs Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Big Springs, WV is USAA, offering policies at just $821 for a six-month term. This is followed by Erie, which has an average six-month premium of $905.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1604 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Big Springs drivers find the best deals.
Way's key takeaways about car insurance in Big Springs
The auto insurance costs in Big Springs fall around $821 for six
months.
The cheapest auto insurance company in Big Springs is USAA.
Teen drivers pay the highest rate in Big Springs at $1016 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Big Springs
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 Springs are given below.
USAA provides
the cheapest minimum car insurance
coverage in Big Springs. Their Average 6 Month Premium is $205.
Nationwide is the most
expensive at $648 for the same
period.
Cheapest Full Coverage Car Insurance in Big Springs
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 Springs is USAA
at $138 per month and $821
for six months.
Cheapest Full Coverage Car Insurance Quotes in Big Springs,
WV
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Average Car Insurance in Big Springs 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 Springs, WV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Big Springs, 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 Springs'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 Springs
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Big Springs,WV
If you are planning to get a car insurance policy for your teenage
dependent, Erie provides the cheapest car
insurance in the Big Springs at $206
per
month. At $6101 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Big Springs.
As young drivers face the highest rates in Big Springs, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Springs,
Westfield is
the cheapest car insurance provider. At $814 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 Springs is State Farm, offering
rates of around $4652 for six
months.
Save up to $971/yr on car insurance rates in Big Springs.
Car Insurance Rates with An Accident in Big Springs
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 Springs, WV,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Big Springs
The cheapest car insurance companies after an at-fault accident in
Big Springs include Encompass
and Erie, offering $397
and $718,
respectively. Nationwide is an expensive provider
with an average six-month premium of
$2514.
Here is a list of driving violations that can increase your car
insurance rates in Big Springs WV. For example, the car
insurance in Big Springs
after a DUI increases to $860 for a six
month policy. While the rate increases by $212 for a six-month policy in the case of
a speeding ticket.
Big Springs auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1110
$185
One Med/PIP claim
$1110
$189
One comp claim
$1148
$191
Not-at-fault accident
$1155
$197
Two Med/PIP claims
$1161
$193
Two comp claims
$1219
$207
Failure to wear a seat belt
$1244
$207
Failure to show documents
$1264
$215
Driving without lights
$1277
$213
Cell phone violation
$1315
$224
Texting while driving
$1315
$219
Speeding 6 - 10 MPH over limit
$1322
$225
Driving with expired registration
$1328
$221
Driving too slowly
$1335
$227
Failure to stop at a red light
$1335
$222
Following too closely
$1335
$227
Illegal turn
$1335
$222
Improper passing
$1335
$227
Speeding 11 - 15 MPH over limit
$1335
$222
Speeding in school zone
$1335
$227
Wrong way/wrong lane
$1335
$222
Failure to yield
$1340
$228
Speeding 16 - 20 MPH over limit
$1340
$224
In 65 MPH zone
$1347
$229
Speeding 21 - 25 MPH over limit
$1347
$225
Passing school bus
$1379
$234
Child safety restraint
$1386
$231
Operating a vehicle without permission
$1386
$235
At-fault accident - less than $1000
$1488
$248
Open container
$1501
$255
At-fault accident - $1000-$2000
$1617
$269
At-fault accident - greater than $2000
$1617
$275
Driving with a suspended license
$1777
$296
Reckless driving
$1848
$314
DUI
$1970
$328
Refusal to submit to a chemical test
$1970
$335
Racing
$1976
$329
Leaving scene of an accident/hit and run
$1982
$337
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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 Springs 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 Springs.
The cheapest car insurance premiums in
Big Springs are
offered by Erie at $1026 for a six-month policy.
However, it can be as
expensive as $3156 with companies
like Nationwide.
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 Springs are offered by Westfield
at $578. However,
it can be as expensive as $2014
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Big Springs after Speeding ticket
Car Insurance Price Trends in Big Springs,
West Virginia
Car insurance rates in Big Springs have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Big Springs rose by
$240 in January
compared to $210 of December. In other words, there has been an increase by $30 when you
compare January and December.
The average cost of liability insurance in the Big Springs rose to $52 in January,
compared to $50 in December.
This represents an increase of $2
when comparing January and December.
Average Car Insurance Cost in Big Springs by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Big Springs. At $2272 for a
six-month policy, insuring
your car at 26137 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Big Springs?
The car insurance in Big Springs is $35 per month, which is lower than the national average.
What is the cheapest car insurance in Big Springs?
The cheapest car insurance in Big Springs
is $138 per month
for full coverage.
How much is car insurance in Big Springs for teenagers?
Car insurance for teenagers costs $1226 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 Springs?
The average cost of car insurance is $1052 for a six-month
policy. It will cost around $191 per month to insure your
car in Big Springs.
Is car insurance expensive in Big Springs?
Car insurance can be expensive in Big Springs if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Big Springs can be
affordable.
What is the best car insurance in Big Springs,
WV?
The best car insurance company in Big Springs
WV is
USAA, offering $821 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Big Springs, WV
Car Insurance Rates by State in the USA (2025 Update)
Big Springs Car Insurance
