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Finding the cheapest car insurance quotes in Bunker Hill 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 Bunker Hill
The car insurance rate in Bunker Hill is $836 for a six-month policy, which is $136 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $639, making it a popular choice for budget-conscious drivers. Rates in Bunker Hill 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 $639 for a six
month policy, USAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Erie
Erie offers auto
insurance rates at $700 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $721
for six months, making it
the third cheapest auto insurance company in Bunker Hill.
Bunker Hill Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Bunker Hill, WV is USAA, offering policies at just $639 for a six-month term. This is followed by Erie, which has an average six-month premium of $700.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1232 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bunker Hill drivers find the best deals.
Way's key takeaways about car insurance in Bunker Hill
The auto insurance costs in Bunker Hill fall around $639 for six
months.
The cheapest auto insurance company in Bunker Hill is USAA.
Teen drivers pay the highest rate in Bunker Hill at $707 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 Bunker Hill
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 Bunker Hill are given below.
USAA provides
the cheapest minimum car insurance
coverage in Bunker Hill. Their Average 6 Month Premium is $158.
Allstate is the most
expensive at $460 for the same
period.
Cheapest Full Coverage Car Insurance in Bunker Hill
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 Bunker Hill is USAA
at $108 per month and $639
for six months.
Cheapest Full Coverage Car Insurance Quotes in Bunker Hill,
WV
Get Your Car Insurance Quote in Bunker Hill
Instantly!
Average Car Insurance in Bunker Hill 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 Bunker Hill, WV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Bunker Hill, 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, Bunker Hill's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Bunker Hill
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
Bunker Hill,WV
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Bunker Hill at $153
per
month. At $4199 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 Bunker Hill.
As young drivers face the highest rates in Bunker Hill, 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 Bunker Hill,
Westfield is
the cheapest car insurance provider. At $556 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
Bunker Hill is State Farm, offering
rates of around $2723 for six
months.
Save up to $971/yr on car insurance rates in Bunker Hill.
Car Insurance Rates with An Accident in Bunker Hill
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 Bunker Hill, WV,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Bunker Hill
The cheapest car insurance companies after an at-fault accident in
Bunker Hill include Encompass
and Erie, offering $316
and $552,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1757.
Here is a list of driving violations that can increase your car
insurance rates in Bunker Hill WV. For example, the car
insurance in Bunker Hill
after a DUI increases to $685 for a six
month policy. While the rate increases by $169 for a six-month policy in the case of
a speeding ticket.
Bunker Hill auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$884
$147
One Med/PIP claim
$884
$151
One comp claim
$914
$152
Not-at-fault accident
$919
$157
Two Med/PIP claims
$925
$154
Two comp claims
$971
$165
Failure to wear a seat belt
$991
$165
Failure to show documents
$1006
$171
Driving without lights
$1017
$169
Cell phone violation
$1047
$178
Texting while driving
$1047
$175
Speeding 6 - 10 MPH over limit
$1053
$179
Driving with expired registration
$1058
$176
Driving too slowly
$1063
$181
Failure to stop at a red light
$1063
$177
Following too closely
$1063
$181
Illegal turn
$1063
$177
Improper passing
$1063
$181
Speeding 11 - 15 MPH over limit
$1063
$177
Speeding in school zone
$1063
$181
Wrong way/wrong lane
$1063
$177
Failure to yield
$1067
$181
Speeding 16 - 20 MPH over limit
$1067
$178
In 65 MPH zone
$1072
$182
Speeding 21 - 25 MPH over limit
$1072
$179
Passing school bus
$1098
$187
Child safety restraint
$1103
$184
Operating a vehicle without permission
$1103
$187
At-fault accident - less than $1000
$1185
$198
Open container
$1195
$203
At-fault accident - $1000-$2000
$1287
$214
At-fault accident - greater than $2000
$1287
$219
Driving with a suspended license
$1415
$236
Reckless driving
$1471
$250
DUI
$1569
$261
Refusal to submit to a chemical test
$1569
$267
Racing
$1574
$262
Leaving scene of an accident/hit and run
$1578
$268
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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 Bunker Hill 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 Bunker Hill.
The cheapest car insurance premiums in
Bunker Hill are
offered by Erie at $787 for a six-month policy.
However, it can be as
expensive as $1906 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 Bunker Hill are offered by Westfield
at $393. However,
it can be as expensive as $1232
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Bunker Hill after Speeding ticket
Car Insurance Price Trends in Bunker Hill,
West Virginia
Car insurance rates in Bunker Hill have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Bunker Hill remained steady at $167 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Bunker Hill rose to $40 in December,
compared to $39 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Bunker Hill 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
Bunker Hill. At $1671 for a
six-month policy, insuring
your car at 25413 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 Bunker Hill?
The car insurance in Bunker Hill is $27 per month, which is lower than the national average.
What is the cheapest car insurance in Bunker Hill?
The cheapest car insurance in Bunker Hill
is $108 per month
for full coverage.
How much is car insurance in Bunker Hill for teenagers?
Car insurance for teenagers costs $909 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
Bunker Hill?
The average cost of car insurance is $972 for a six-month
policy. It will cost around $140 per month to insure your
car in Bunker Hill.
Is car insurance expensive in Bunker Hill?
Car insurance can be expensive in Bunker Hill if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Bunker Hill can be
affordable.
What is the best car insurance in Bunker Hill,
WV?
The best car insurance company in Bunker Hill
WV is
USAA, offering $639 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Bunker Hill, WV
Car Insurance Rates by State in the USA (2025 Update)
Bunker Hill Car Insurance
