Cheapest Car Insurance Quotes in Charles Town

Finding the cheapest car insurance quotes in Charles Town 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Charles Town Car Insurance

^$ 27

/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 Charles Town

The car insurance rate in Charles Town is $846 for a six-month policy, which is $126 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $646, making it a popular choice for budget-conscious drivers. Rates in Charles Town 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 Charles Town

$846

Avg. Car Insurance in West Virginia

$972

National Average

$1140

Cheapest Car Insurance Companies in Charles Town

1st place: USAA

At $646 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $708 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $729 for six months, making it the third cheapest auto insurance company in Charles Town.

Charles Town Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Charles Town, WV is USAA, offering policies at just $646 for a six-month term. This is followed by Erie, which has an average six-month premium of $708.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1246 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Charles Town drivers find the best deals.

Cheap Car Insurance Companies in Charles Town, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$646	$109
Erie	$708	$119
Westfield	$729	$123
Encompass	$806	$137
State Farm	$806	$136
Progressive	$863	$145
Nationwide	$961	$160
Allstate	$1246	$210

Key Takeaways

Way's key takeaways about car insurance in Charles Town

The auto insurance costs in Charles Town fall around $646 for six months.
The cheapest auto insurance company in Charles Town is USAA.
Teen drivers pay the highest rate in Charles Town at $715 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 Charles Town

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 Charles Town are given below.

USAA provides the cheapest minimum car insurance coverage in Charles Town. Their Average 6 Month Premium is $160. Allstate is the most expensive at $465 for the same period.

Cheapest Liability Coverage in Charles Town, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$160	$27
Westfield	$160	$27
Erie	$176	$30
State Farm	$227	$38
Encompass	$243	$41
Nationwide	$424	$72
Progressive	$450	$75
Allstate	$465	$79

Cheapest Full Coverage Car Insurance in Charles Town

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 Charles Town is USAA at $109 per month and $646 for six months.

Cheapest Full Coverage Car Insurance Quotes in Charles Town, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$646	$109
Erie	$708	$119
Westfield	$729	$123
Encompass	$806	$137
State Farm	$806	$136
Progressive	$863	$145
Nationwide	$961	$160
Allstate	$1246	$210

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Charles Town Instantly!

Average Car Insurance in Charles Town 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 Charles Town, WV increasing?

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

Car Insurance Premiums by Age in Charles Town

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Charles Town,WV

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Charles Town at $155 per month. At $4248 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$920	$155
Erie	$935	$157
USAA	$1127	$190
State Farm	$1442	$243
Progressive	$3116	$525
Nationwide	$3716	$632
Allstate	$4248	$715

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 Charles Town, Westfield is the cheapest car insurance provider. At $563 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 Charles Town is State Farm, offering rates of around $2754 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$563	$95
USAA	$972	$162
Progressive	$1302	$222
Nationwide	$1313	$218
Erie	$1354	$231
Allstate	$1860	$310
State Farm	$2754	$468

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Charles Town.

Car Insurance Rates with An Accident in Charles Town

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 Charles Town, WV, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Charles Town

The cheapest car insurance companies after an at-fault accident in Charles Town include Encompass and Erie, offering $320 and $559, respectively. Allstate is an expensive provider with an average six-month premium of $1777.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$320	$53
Erie	$559	$94
Westfield	$594	$100
USAA	$631	$106
State Farm	$672	$113
Progressive	$1478	$249
Nationwide	$1545	$258
Allstate	$1777	$299

Charles Town Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Charles Town WV. For example, the car insurance in Charles Town after a DUI increases to $693 for a six month policy. While the rate increases by $171 for a six-month policy in the case of a speeding ticket.

Charles Town auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$894	$149
One Med/PIP claim	$894	$152
One comp claim	$925	$154
Not-at-fault accident	$930	$158
Two Med/PIP claims	$935	$156
Two comp claims	$982	$167
Failure to wear a seat belt	$1002	$167
Failure to show documents	$1018	$173
Driving without lights	$1028	$171
Cell phone violation	$1060	$180
Texting while driving	$1060	$177
Speeding 6 - 10 MPH over limit	$1065	$181
Driving with expired registration	$1070	$178
Driving too slowly	$1075	$183
Failure to stop at a red light	$1075	$179
Following too closely	$1075	$183
Illegal turn	$1075	$179
Improper passing	$1075	$183
Speeding 11 - 15 MPH over limit	$1075	$179
Speeding in school zone	$1075	$183
Wrong way/wrong lane	$1075	$179
Failure to yield	$1080	$184
Speeding 16 - 20 MPH over limit	$1080	$180
In 65 MPH zone	$1085	$184
Speeding 21 - 25 MPH over limit	$1085	$181
Passing school bus	$1111	$189
Child safety restraint	$1116	$186
Operating a vehicle without permission	$1116	$190
At-fault accident - less than $1000	$1199	$200
Open container	$1209	$205
At-fault accident - $1000-$2000	$1302	$217
At-fault accident - greater than $2000	$1302	$222
Driving with a suspended license	$1431	$238
Reckless driving	$1489	$253
DUI	$1587	$264
Refusal to submit to a chemical test	$1587	$270
Racing	$1592	$265
Leaving scene of an accident/hit and run	$1596	$271

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Charles Town 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 Charles Town.

The cheapest car insurance premiums in Charles Town are offered by Erie at $796 for a six-month policy. However, it can be as expensive as $1928 with companies like Nationwide.

Charles Town car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$796	$134
State Farm	$900	$151
USAA	$930	$157
Progressive	$992	$167
Westfield	$1137	$191
Allstate	$1675	$282
Nationwide	$1928	$321

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 Charles Town are offered by Westfield at $398. However, it can be as expensive as $1246 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Charles Town after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$398	$67
Erie	$439	$74
State Farm	$480	$81
USAA	$594	$99
Progressive	$987	$168
Allstate	$1235	$206
Nationwide	$1246	$211

Car Insurance Price Trends in Charles Town, West Virginia

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

The average cost of full coverage in the Charles Town remained steady at $169 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Charles Town rose to $40 in December, compared to $39 in November. This represents an increase of $1 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Charles Town?

The car insurance in Charles Town is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Charles Town?

The cheapest car insurance in Charles Town is $109 per month for full coverage.

How much is car insurance in Charles Town for teenagers?

Car insurance for teenagers costs $920 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 Charles Town?

The average cost of car insurance is $972 for a six-month policy. It will cost around $142 per month to insure your car in Charles Town.

Is car insurance expensive in Charles Town?

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

Cheapest Car Insurance Quotes in Charles Town

Why you can trust Way?

How Much Is Car Insurance in Charles Town

Avg. Car Insurance in Charles Town

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Charles Town

1st place: USAA

2nd place: Erie

3rd place: Westfield

Charles Town Car Insurance Rates by Company

Cheap Car Insurance Companies in Charles Town, WV

Way's key takeaways about car insurance in Charles Town

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Charles Town

Cheapest Liability Coverage in Charles Town, WV

Cheapest Full Coverage Car Insurance in Charles Town

Cheapest Full Coverage Car Insurance Quotes in Charles Town, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Charles Town by Rating Factor

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

Car Insurance Premiums by Age in Charles Town

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Charles Town,WV

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

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 Charles Town

Cheapest Car Insurance Companies after an At-Fault Accident in Charles Town

Charles Town Car Insurance Rates by Violation

Charles Town auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Charles Town after a DUI

Charles Town car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Charles Town after Speeding ticket

Car Insurance Price Trends in Charles Town, West Virginia

Average Car Insurance Cost in Charles Town by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Charles Town, WV

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

Featured Blogs

Data Sources