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Finding the cheapest car insurance quotes in Bob White 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 Bob White
The car insurance rate in Bob White is $1021 for a six-month policy, which is $49 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $780, making it a popular choice for budget-conscious drivers. Rates in Bob White 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 $780 for a six
month policy, USAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Erie
Erie offers auto
insurance rates at $855 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $880
for six months, making it
the third cheapest auto insurance company in Bob White.
Bob White Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Bob White, WV is USAA, offering policies at just $780 for a six-month term. This is followed by Erie, which has an average six-month premium of $855.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1504 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bob White drivers find the best deals.
Way's key takeaways about car insurance in Bob White
The auto insurance costs in Bob White fall around $780 for six
months.
The cheapest auto insurance company in Bob White is USAA.
Teen drivers pay the highest rate in Bob White at $863 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 Bob White
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 Bob White are given below.
USAA provides
the cheapest minimum car insurance
coverage in Bob White. Their Average 6 Month Premium is $193.
Allstate is the most
expensive at $562 for the same
period.
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 Bob White is USAA
at $131 per month and $780
for six months.
Cheapest Full Coverage Car Insurance Quotes in Bob White,
WV
Get Your Car Insurance Quote in Bob White
Instantly!
Average Car Insurance in Bob White 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 Bob White, WV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Bob White, 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, Bob White's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Bob White
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
Bob White,WV
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Bob White at $187
per
month. At $5127 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Bob White.
As young drivers face the highest rates in Bob White, 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 Bob White,
Westfield is
the cheapest car insurance provider. At $679 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
Bob White is State Farm, offering
rates of around $3324 for six
months.
Save up to $971/yr on car insurance rates in Bob White.
Car Insurance Rates with An Accident in Bob White
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 Bob White, WV,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Bob White
The cheapest car insurance companies after an at-fault accident in
Bob White include Encompass
and Erie, offering $386
and $674,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2145.
Here is a list of driving violations that can increase your car
insurance rates in Bob White WV. For example, the car
insurance in Bob White
after a DUI increases to $836 for a six
month policy. While the rate increases by $206 for a six-month policy in the case of
a speeding ticket.
Bob White auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1079
$180
One Med/PIP claim
$1079
$184
One comp claim
$1116
$186
Not-at-fault accident
$1122
$191
Two Med/PIP claims
$1129
$188
Two comp claims
$1185
$202
Failure to wear a seat belt
$1210
$202
Failure to show documents
$1229
$209
Driving without lights
$1241
$207
Cell phone violation
$1279
$217
Texting while driving
$1279
$213
Speeding 6 - 10 MPH over limit
$1285
$218
Driving with expired registration
$1292
$215
Driving too slowly
$1298
$221
Failure to stop at a red light
$1298
$216
Following too closely
$1298
$221
Illegal turn
$1298
$216
Improper passing
$1298
$221
Speeding 11 - 15 MPH over limit
$1298
$216
Speeding in school zone
$1298
$221
Wrong way/wrong lane
$1298
$216
Failure to yield
$1303
$222
Speeding 16 - 20 MPH over limit
$1303
$217
In 65 MPH zone
$1309
$223
Speeding 21 - 25 MPH over limit
$1309
$218
Passing school bus
$1341
$228
Child safety restraint
$1347
$225
Operating a vehicle without permission
$1347
$229
At-fault accident - less than $1000
$1447
$242
Open container
$1460
$248
At-fault accident - $1000-$2000
$1572
$261
At-fault accident - greater than $2000
$1572
$268
Driving with a suspended license
$1727
$288
Reckless driving
$1797
$306
DUI
$1915
$319
Refusal to submit to a chemical test
$1915
$326
Racing
$1922
$320
Leaving scene of an accident/hit and run
$1927
$328
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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 Bob White 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 Bob White.
The cheapest car insurance premiums in
Bob White are
offered by Erie at $961 for a six-month policy.
However, it can be as
expensive as $2327 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 Bob White are offered by Westfield
at $480. However,
it can be as expensive as $1504
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Bob White after Speeding ticket
Car Insurance Price Trends in Bob White,
West Virginia
Car insurance rates in Bob White have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Bob White remained steady at $204 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Bob White rose to $48 in December,
compared to $47 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Bob White 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
Bob White. At $2041 for a
six-month policy, insuring
your car at 25028 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 Bob White?
The car insurance in Bob White is $33 per month, which is lower than the national average.
What is the cheapest car insurance in Bob White?
The cheapest car insurance in Bob White
is $131 per month
for full coverage.
How much is car insurance in Bob White for teenagers?
Car insurance for teenagers costs $1110 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
Bob White?
The average cost of car insurance is $972 for a six-month
policy. It will cost around $171 per month to insure your
car in Bob White.
Is car insurance expensive in Bob White?
Car insurance can be expensive in Bob White if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Bob White can be
affordable.
What is the best car insurance in Bob White,
WV?
The best car insurance company in Bob White
WV is
USAA, offering $780 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Bob White, WV
Car Insurance Rates by State in the USA (2025 Update)
Bob White Car Insurance
