Cheapest Car Insurance Quotes in Cedar Grove

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Cedar Grove Car Insurance

^$ 30

/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 Cedar Grove

The car insurance rate in Cedar Grove is $953 for a six-month policy, which is $19 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $728, making it a popular choice for budget-conscious drivers. Rates in Cedar Grove 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 Cedar Grove

$953

Avg. Car Insurance in West Virginia

$972

National Average

$1140

Cheapest Car Insurance Companies in Cedar Grove

1st place: USAA

At $728 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $798 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $821 for six months, making it the third cheapest auto insurance company in Cedar Grove.

Cedar Grove Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cedar Grove, WV is USAA, offering policies at just $728 for a six-month term. This is followed by Erie, which has an average six-month premium of $798.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1403 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cedar Grove drivers find the best deals.

Cheap Car Insurance Companies in Cedar Grove, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$728	$123
Erie	$798	$134
Westfield	$821	$138
Encompass	$908	$155
State Farm	$908	$153
Progressive	$972	$164
Nationwide	$1083	$180
Allstate	$1403	$236

Key Takeaways

Way's key takeaways about car insurance in Cedar Grove

The auto insurance costs in Cedar Grove fall around $728 for six months.
The cheapest auto insurance company in Cedar Grove is USAA.
Teen drivers pay the highest rate in Cedar Grove at $806 per month.

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Cheapest Minimum Liability Car Insurance in Cedar Grove

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 Cedar Grove are given below.

USAA provides the cheapest minimum car insurance coverage in Cedar Grove. Their Average 6 Month Premium is $180. Allstate is the most expensive at $524 for the same period.

Cheapest Liability Coverage in Cedar Grove, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$180	$30
Westfield	$180	$30
Erie	$198	$33
State Farm	$256	$43
Encompass	$273	$46
Nationwide	$477	$81
Progressive	$507	$84
Allstate	$524	$89

Cheapest Full Coverage Car Insurance in Cedar Grove

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 Cedar Grove is USAA at $123 per month and $728 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cedar Grove, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$728	$123
Erie	$798	$134
Westfield	$821	$138
Encompass	$908	$155
State Farm	$908	$153
Progressive	$972	$164
Nationwide	$1083	$180
Allstate	$1403	$236

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Average Car Insurance in Cedar Grove 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 Cedar Grove, WV increasing?

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

Car Insurance Premiums by Age in Cedar Grove

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 Cedar Grove,WV

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Cedar Grove at $174 per month. At $4785 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$1036	$174
Erie	$1054	$177
USAA	$1269	$214
State Farm	$1624	$273
Progressive	$3510	$591
Nationwide	$4186	$711
Allstate	$4785	$806

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 Cedar Grove, Westfield is the cheapest car insurance provider. At $634 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 Cedar Grove is State Farm, offering rates of around $3103 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$634	$107
USAA	$1095	$182
Progressive	$1467	$250
Nationwide	$1479	$246
Erie	$1525	$260
Allstate	$2095	$349
State Farm	$3103	$527

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Car Insurance Rates with An Accident in Cedar Grove

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 Cedar Grove, WV, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Cedar Grove

The cheapest car insurance companies after an at-fault accident in Cedar Grove include Encompass and Erie, offering $361 and $629, respectively. Allstate is an expensive provider with an average six-month premium of $2002.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$361	$60
Erie	$629	$106
Westfield	$669	$113
USAA	$711	$120
State Farm	$757	$127
Progressive	$1665	$280
Nationwide	$1740	$290
Allstate	$2002	$337

Cedar Grove Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cedar Grove WV. For example, the car insurance in Cedar Grove after a DUI increases to $781 for a six month policy. While the rate increases by $193 for a six-month policy in the case of a speeding ticket.

Cedar Grove auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1007	$168
One Med/PIP claim	$1007	$172
One comp claim	$1042	$173
Not-at-fault accident	$1048	$178
Two Med/PIP claims	$1054	$175
Two comp claims	$1106	$188
Failure to wear a seat belt	$1129	$188
Failure to show documents	$1147	$195
Driving without lights	$1158	$193
Cell phone violation	$1194	$203
Texting while driving	$1194	$199
Speeding 6 - 10 MPH over limit	$1200	$204
Driving with expired registration	$1205	$201
Driving too slowly	$1211	$206
Failure to stop at a red light	$1211	$202
Following too closely	$1211	$206
Illegal turn	$1211	$202
Improper passing	$1211	$206
Speeding 11 - 15 MPH over limit	$1211	$202
Speeding in school zone	$1211	$206
Wrong way/wrong lane	$1211	$202
Failure to yield	$1216	$207
Speeding 16 - 20 MPH over limit	$1216	$203
In 65 MPH zone	$1222	$208
Speeding 21 - 25 MPH over limit	$1222	$204
Passing school bus	$1251	$213
Child safety restraint	$1257	$210
Operating a vehicle without permission	$1257	$214
At-fault accident - less than $1000	$1350	$225
Open container	$1362	$231
At-fault accident - $1000-$2000	$1467	$244
At-fault accident - greater than $2000	$1467	$250
Driving with a suspended license	$1612	$269
Reckless driving	$1677	$285
DUI	$1788	$298
Refusal to submit to a chemical test	$1788	$304
Racing	$1793	$299
Leaving scene of an accident/hit and run	$1798	$306

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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 Cedar Grove 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 Cedar Grove.

The cheapest car insurance premiums in Cedar Grove are offered by Erie at $897 for a six-month policy. However, it can be as expensive as $2172 with companies like Nationwide.

Cedar Grove car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$897	$151
State Farm	$1013	$171
USAA	$1048	$176
Progressive	$1117	$188
Westfield	$1281	$216
Allstate	$1887	$318
Nationwide	$2172	$362

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 Cedar Grove are offered by Westfield at $448. However, it can be as expensive as $1403 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Cedar Grove after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$448	$75
Erie	$495	$83
State Farm	$541	$91
USAA	$669	$112
Progressive	$1112	$189
Allstate	$1392	$232
Nationwide	$1403	$238

Car Insurance Price Trends in Cedar Grove, West Virginia

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

The average cost of full coverage in the Cedar Grove remained steady at $190 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Cedar Grove rose to $45 in December, compared to $44 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Cedar Grove?

The car insurance in Cedar Grove is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Cedar Grove?

The cheapest car insurance in Cedar Grove is $123 per month for full coverage.

How much is car insurance in Cedar Grove for teenagers?

Car insurance for teenagers costs $1036 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 Cedar Grove?

The average cost of car insurance is $972 for a six-month policy. It will cost around $160 per month to insure your car in Cedar Grove.

Is car insurance expensive in Cedar Grove?

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

Cheapest Car Insurance Quotes in Cedar Grove

Why you can trust Way?

How Much Is Car Insurance in Cedar Grove

Avg. Car Insurance in Cedar Grove

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Cedar Grove

1st place: USAA

2nd place: Erie

3rd place: Westfield

Cedar Grove Car Insurance Rates by Company

Cheap Car Insurance Companies in Cedar Grove, WV

Way's key takeaways about car insurance in Cedar Grove

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cedar Grove

Cheapest Liability Coverage in Cedar Grove, WV

Cheapest Full Coverage Car Insurance in Cedar Grove

Cheapest Full Coverage Car Insurance Quotes in Cedar Grove, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cedar Grove by Rating Factor

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

Car Insurance Premiums by Age in Cedar Grove

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cedar Grove,WV

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

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 Cedar Grove

Cheapest Car Insurance Companies after an At-Fault Accident in Cedar Grove

Cedar Grove Car Insurance Rates by Violation

Cedar Grove auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cedar Grove after a DUI

Cedar Grove car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cedar Grove after Speeding ticket

Car Insurance Price Trends in Cedar Grove, West Virginia

Average Car Insurance Cost in Cedar Grove by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cedar Grove, WV

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

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