Cheapest Car Insurance Quotes in Charlton Heights

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Charlton Heights Car Insurance

^$ 29

/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 Charlton Heights

The car insurance rate in Charlton Heights is $923 for a six-month policy, which is $49 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $706, making it a popular choice for budget-conscious drivers. Rates in Charlton Heights 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 Charlton Heights

$923

Avg. Car Insurance in West Virginia

$972

National Average

$1140

Cheapest Car Insurance Companies in Charlton Heights

1st place: USAA

At $706 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $773 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $796 for six months, making it the third cheapest auto insurance company in Charlton Heights.

Charlton Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Charlton Heights, WV is USAA, offering policies at just $706 for a six-month term. This is followed by Erie, which has an average six-month premium of $773.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1360 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Charlton Heights drivers find the best deals.

Cheap Car Insurance Companies in Charlton Heights, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$706	$119
Erie	$773	$130
Westfield	$796	$134
Encompass	$881	$150
State Farm	$881	$148
Progressive	$942	$159
Nationwide	$1050	$175
Allstate	$1360	$229

Key Takeaways

Way's key takeaways about car insurance in Charlton Heights

The auto insurance costs in Charlton Heights fall around $706 for six months.
The cheapest auto insurance company in Charlton Heights is USAA.
Teen drivers pay the highest rate in Charlton Heights at $781 per month.

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Cheapest Minimum Liability Car Insurance in Charlton Heights

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 Charlton Heights are given below.

USAA provides the cheapest minimum car insurance coverage in Charlton Heights. Their Average 6 Month Premium is $175. Allstate is the most expensive at $508 for the same period.

Cheapest Liability Coverage in Charlton Heights, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$175	$29
Westfield	$175	$29
Erie	$192	$32
State Farm	$248	$42
Encompass	$265	$45
Nationwide	$463	$79
Progressive	$491	$82
Allstate	$508	$86

Cheapest Full Coverage Car Insurance in Charlton Heights

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 Charlton Heights is USAA at $119 per month and $706 for six months.

Cheapest Full Coverage Car Insurance Quotes in Charlton Heights, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$706	$119
Erie	$773	$130
Westfield	$796	$134
Encompass	$881	$150
State Farm	$881	$148
Progressive	$942	$159
Nationwide	$1050	$175
Allstate	$1360	$229

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Average Car Insurance in Charlton Heights 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 Charlton Heights, WV increasing?

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

Car Insurance Premiums by Age in Charlton Heights

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 Charlton Heights,WV

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Charlton Heights at $169 per month. At $4639 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$1004	$169
Erie	$1021	$172
USAA	$1230	$207
State Farm	$1574	$265
Progressive	$3403	$573
Nationwide	$4057	$690
Allstate	$4639	$781

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 Charlton Heights, Westfield is the cheapest car insurance provider. At $615 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 Charlton Heights is State Farm, offering rates of around $3008 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$615	$104
USAA	$1061	$177
Progressive	$1422	$242
Nationwide	$1434	$238
Erie	$1478	$252
Allstate	$2031	$338
State Farm	$3008	$511

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Car Insurance Rates with An Accident in Charlton Heights

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 Charlton Heights, WV, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Charlton Heights

The cheapest car insurance companies after an at-fault accident in Charlton Heights include Encompass and Erie, offering $350 and $610, respectively. Allstate is an expensive provider with an average six-month premium of $1941.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$350	$58
Erie	$610	$103
Westfield	$649	$109
USAA	$689	$116
State Farm	$733	$124
Progressive	$1614	$272
Nationwide	$1687	$281
Allstate	$1941	$327

Charlton Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Charlton Heights WV. For example, the car insurance in Charlton Heights after a DUI increases to $756 for a six month policy. While the rate increases by $186 for a six-month policy in the case of a speeding ticket.

Charlton Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$977	$162
One Med/PIP claim	$977	$166
One comp claim	$1010	$168
Not-at-fault accident	$1016	$173
Two Med/PIP claims	$1021	$170
Two comp claims	$1073	$182
Failure to wear a seat belt	$1094	$182
Failure to show documents	$1112	$189
Driving without lights	$1123	$187
Cell phone violation	$1157	$197
Texting while driving	$1157	$193
Speeding 6 - 10 MPH over limit	$1163	$198
Driving with expired registration	$1169	$195
Driving too slowly	$1174	$200
Failure to stop at a red light	$1174	$196
Following too closely	$1174	$200
Illegal turn	$1174	$196
Improper passing	$1174	$200
Speeding 11 - 15 MPH over limit	$1174	$196
Speeding in school zone	$1174	$200
Wrong way/wrong lane	$1174	$196
Failure to yield	$1179	$200
Speeding 16 - 20 MPH over limit	$1179	$197
In 65 MPH zone	$1185	$201
Speeding 21 - 25 MPH over limit	$1185	$198
Passing school bus	$1213	$206
Child safety restraint	$1219	$203
Operating a vehicle without permission	$1219	$207
At-fault accident - less than $1000	$1309	$219
Open container	$1321	$224
At-fault accident - $1000-$2000	$1422	$237
At-fault accident - greater than $2000	$1422	$242
Driving with a suspended license	$1563	$260
Reckless driving	$1625	$276
DUI	$1733	$289
Refusal to submit to a chemical test	$1733	$295
Racing	$1739	$290
Leaving scene of an accident/hit and run	$1743	$296

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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 Charlton Heights 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 Charlton Heights.

The cheapest car insurance premiums in Charlton Heights are offered by Erie at $869 for a six-month policy. However, it can be as expensive as $2105 with companies like Nationwide.

Charlton Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$869	$146
State Farm	$982	$165
USAA	$1016	$171
Progressive	$1083	$182
Westfield	$1242	$209
Allstate	$1829	$308
Nationwide	$2105	$351

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 Charlton Heights are offered by Westfield at $434. However, it can be as expensive as $1360 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Charlton Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$434	$73
Erie	$480	$81
State Farm	$524	$88
USAA	$649	$108
Progressive	$1078	$183
Allstate	$1349	$225
Nationwide	$1360	$231

Car Insurance Price Trends in Charlton Heights, West Virginia

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

The average cost of full coverage in the Charlton Heights remained steady at $184 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Charlton Heights rose to $44 in December, compared to $43 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 Charlton Heights?

The car insurance in Charlton Heights is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Charlton Heights?

The cheapest car insurance in Charlton Heights is $119 per month for full coverage.

How much is car insurance in Charlton Heights for teenagers?

Car insurance for teenagers costs $1004 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 Charlton Heights?

The average cost of car insurance is $972 for a six-month policy. It will cost around $155 per month to insure your car in Charlton Heights.

Is car insurance expensive in Charlton Heights?

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

Cheapest Car Insurance Quotes in Charlton Heights

Why you can trust Way?

How Much Is Car Insurance in Charlton Heights

Avg. Car Insurance in Charlton Heights

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Charlton Heights

1st place: USAA

2nd place: Erie

3rd place: Westfield

Charlton Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Charlton Heights, WV

Way's key takeaways about car insurance in Charlton Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Charlton Heights

Cheapest Liability Coverage in Charlton Heights, WV

Cheapest Full Coverage Car Insurance in Charlton Heights

Cheapest Full Coverage Car Insurance Quotes in Charlton Heights, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Charlton Heights by Rating Factor

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

Car Insurance Premiums by Age in Charlton Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Charlton Heights,WV

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

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 Charlton Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Charlton Heights

Charlton Heights Car Insurance Rates by Violation

Charlton Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Charlton Heights after a DUI

Charlton Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Charlton Heights after Speeding ticket

Car Insurance Price Trends in Charlton Heights, West Virginia

Average Car Insurance Cost in Charlton Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Charlton Heights, WV

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

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