Cheapest Car Insurance Quotes in Charles Town

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406,175 Policies Sold

Charles Town Car Insurance

^$ 28

/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 $915 for a six-month policy, which is $137 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $661, 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

$915

Avg. Car Insurance in West Virginia

$1052

National Average

$1278

Cheapest Car Insurance Companies in Charles Town

1st place: USAA

At $661 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $729 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $760 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 $661 for a six-month term. This is followed by Erie, which has an average six-month premium of $729.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1292 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	$661	$111
Erie	$729	$123
Westfield	$760	$128
Encompass	$806	$137
Progressive	$920	$155
State Farm	$920	$155
Nationwide	$1235	$206
Allstate	$1292	$218

Key Takeaways

Way's key takeaways about car insurance in Charles Town

The auto insurance costs in Charles Town fall around $661 for six months.
The cheapest auto insurance company in Charles Town is USAA.
Teen drivers pay the highest rate in Charles Town at $819 per month.

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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 $165. Nationwide is the most expensive at $522 for the same period.

Cheapest Liability Coverage in Charles Town, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$165	$28
Westfield	$165	$28
Erie	$176	$30
Encompass	$243	$41
State Farm	$248	$42
Allstate	$450	$77
Progressive	$455	$76
Nationwide	$522	$89

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 $111 per month and $661 for six months.

Cheapest Full Coverage Car Insurance Quotes in Charles Town, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$661	$111
Erie	$729	$123
Westfield	$760	$128
Encompass	$806	$137
Progressive	$920	$155
State Farm	$920	$155
Nationwide	$1235	$206
Allstate	$1292	$218

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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

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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, Erie provides the cheapest car insurance in the Charles Town at $166 per month. At $4915 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$987	$166
Westfield	$1023	$172
USAA	$1173	$197
State Farm	$1582	$266
Progressive	$3416	$575
Allstate	$4444	$748
Nationwide	$4915	$819

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 $656 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 $3747 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$656	$110
USAA	$1090	$182
Erie	$1607	$273
Nationwide	$1695	$283
Progressive	$1860	$317
Allstate	$2021	$337
State Farm	$3747	$637

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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 $579, respectively. Nationwide is an expensive provider with an average six-month premium of $2025.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$320	$53
Erie	$579	$97
Westfield	$631	$106
USAA	$651	$110
State Farm	$708	$119
Progressive	$1524	$257
Allstate	$1969	$331
Nationwide	$2025	$345

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

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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 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 $827 for a six-month policy. However, it can be as expensive as $2542 with companies like Nationwide.

Charles Town car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$827	$139
USAA	$961	$162
State Farm	$987	$166
Progressive	$1142	$192
Westfield	$1209	$204
Allstate	$1742	$293
Nationwide	$2542	$424

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 $465. However, it can be as expensive as $1623 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	$465	$78
Erie	$496	$84
State Farm	$605	$102
USAA	$672	$112
Progressive	$1431	$244
Allstate	$1561	$260
Nationwide	$1623	$276

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 rose by $193 in January compared to $169 of December. In other words, there has been an increase by $24 when you compare January and December.

The average cost of liability insurance in the Charles Town rose to $42 in January, compared to $40 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Charles Town?

The car insurance in Charles Town is $28 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 $111 per month for full coverage.

How much is car insurance in Charles Town for teenagers?

Car insurance for teenagers costs $987 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 $1052 for a six-month policy. It will cost around $154 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)

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