Cheapest Car Insurance Quotes in Chattaroy

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Chattaroy Car Insurance

^$ 39

/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 Chattaroy

The car insurance rate in Chattaroy is $1283 for a six-month policy, which is $231 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $927, making it a popular choice for budget-conscious drivers. Rates in Chattaroy 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 Chattaroy

$1283

Avg. Car Insurance in West Virginia

$1052

National Average

$1278

Cheapest Car Insurance Companies in Chattaroy

1st place: USAA

At $927 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $1022 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $1065 for six months, making it the third cheapest auto insurance company in Chattaroy.

Chattaroy Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Chattaroy, WV is USAA, offering policies at just $927 for a six-month term. This is followed by Erie, which has an average six-month premium of $1022.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1812 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chattaroy drivers find the best deals.

Cheap Car Insurance Companies in Chattaroy, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$927	$156
Erie	$1022	$172
Westfield	$1065	$179
Encompass	$1131	$193
Progressive	$1290	$217
State Farm	$1290	$217
Nationwide	$1732	$289
Allstate	$1812	$305

Key Takeaways

Way's key takeaways about car insurance in Chattaroy

The auto insurance costs in Chattaroy fall around $927 for six months.
The cheapest auto insurance company in Chattaroy is USAA.
Teen drivers pay the highest rate in Chattaroy at $1148 per month.

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Cheapest Minimum Liability Car Insurance in Chattaroy

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 Chattaroy are given below.

USAA provides the cheapest minimum car insurance coverage in Chattaroy. Their Average 6 Month Premium is $232. Nationwide is the most expensive at $732 for the same period.

Cheapest Liability Coverage in Chattaroy, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$232	$39
Westfield	$232	$39
Erie	$246	$41
Encompass	$340	$57
State Farm	$348	$59
Allstate	$631	$107
Progressive	$638	$106
Nationwide	$732	$124

Cheapest Full Coverage Car Insurance in Chattaroy

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 Chattaroy is USAA at $156 per month and $927 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chattaroy, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$927	$156
Erie	$1022	$172
Westfield	$1065	$179
Encompass	$1131	$193
Progressive	$1290	$217
State Farm	$1290	$217
Nationwide	$1732	$289
Allstate	$1812	$305

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Average Car Insurance in Chattaroy 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 Chattaroy, WV increasing?

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

Car Insurance Premiums by Age in Chattaroy

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 Chattaroy,WV

If you are planning to get a car insurance policy for your teenage dependent, Erie provides the cheapest car insurance in the Chattaroy at $233 per month. At $6892 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1385	$233
Westfield	$1435	$242
USAA	$1645	$277
State Farm	$2218	$373
Progressive	$4790	$806
Allstate	$6232	$1049
Nationwide	$6892	$1148

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 Chattaroy, Westfield is the cheapest car insurance provider. At $920 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 Chattaroy is State Farm, offering rates of around $5255 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$920	$155
USAA	$1529	$255
Erie	$2253	$383
Nationwide	$2377	$397
Progressive	$2608	$444
Allstate	$2834	$472
State Farm	$5255	$893

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Car Insurance Rates with An Accident in Chattaroy

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

Cheapest Car Insurance Companies after an At-Fault Accident in Chattaroy

The cheapest car insurance companies after an at-fault accident in Chattaroy include Encompass and Erie, offering $449 and $811, respectively. Nationwide is an expensive provider with an average six-month premium of $2840.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$449	$74
Erie	$811	$137
Westfield	$885	$149
USAA	$913	$154
State Farm	$993	$167
Progressive	$2137	$360
Allstate	$2761	$465
Nationwide	$2840	$483

Chattaroy Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Chattaroy WV. For example, the car insurance in Chattaroy after a DUI increases to $971 for a six month policy. While the rate increases by $239 for a six-month policy in the case of a speeding ticket.

Chattaroy auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1254	$209
One Med/PIP claim	$1254	$214
One comp claim	$1297	$216
Not-at-fault accident	$1304	$222
Two Med/PIP claims	$1312	$218
Two comp claims	$1377	$234
Failure to wear a seat belt	$1405	$234
Failure to show documents	$1427	$243
Driving without lights	$1442	$240
Cell phone violation	$1486	$253
Texting while driving	$1486	$248
Speeding 6 - 10 MPH over limit	$1493	$254
Driving with expired registration	$1501	$250
Driving too slowly	$1508	$256
Failure to stop at a red light	$1508	$251
Following too closely	$1508	$256
Illegal turn	$1508	$251
Improper passing	$1508	$256
Speeding 11 - 15 MPH over limit	$1508	$251
Speeding in school zone	$1508	$256
Wrong way/wrong lane	$1508	$251
Failure to yield	$1514	$257
Speeding 16 - 20 MPH over limit	$1514	$253
In 65 MPH zone	$1521	$259
Speeding 21 - 25 MPH over limit	$1521	$254
Passing school bus	$1558	$265
Child safety restraint	$1565	$261
Operating a vehicle without permission	$1565	$266
At-fault accident - less than $1000	$1681	$281
Open container	$1696	$288
At-fault accident - $1000-$2000	$1826	$304
At-fault accident - greater than $2000	$1826	$311
Driving with a suspended license	$2007	$334
Reckless driving	$2087	$355
DUI	$2225	$371
Refusal to submit to a chemical test	$2225	$378
Racing	$2233	$372
Leaving scene of an accident/hit and run	$2239	$381

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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 Chattaroy 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 Chattaroy.

The cheapest car insurance premiums in Chattaroy are offered by Erie at $1159 for a six-month policy. However, it can be as expensive as $3565 with companies like Nationwide.

Chattaroy car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1159	$195
USAA	$1348	$227
State Farm	$1385	$233
Progressive	$1602	$270
Westfield	$1696	$285
Allstate	$2442	$411
Nationwide	$3565	$594

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 Chattaroy are offered by Westfield at $653. However, it can be as expensive as $2275 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Chattaroy after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$653	$110
Erie	$695	$117
State Farm	$848	$143
USAA	$942	$157
Progressive	$2007	$342
Allstate	$2189	$365
Nationwide	$2275	$387

Car Insurance Price Trends in Chattaroy, West Virginia

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

The average cost of full coverage in the Chattaroy rose by $271 in January compared to $237 of December. In other words, there has been an increase by $34 when you compare January and December.

The average cost of liability insurance in the Chattaroy rose to $59 in January, compared to $56 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Chattaroy?

The car insurance in Chattaroy is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Chattaroy?

The cheapest car insurance in Chattaroy is $156 per month for full coverage.

How much is car insurance in Chattaroy for teenagers?

Car insurance for teenagers costs $1385 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 Chattaroy?

The average cost of car insurance is $1052 for a six-month policy. It will cost around $216 per month to insure your car in Chattaroy.

Is car insurance expensive in Chattaroy?

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

Cheapest Car Insurance Quotes in Chattaroy

Why you can trust Way?

How Much Is Car Insurance in Chattaroy

Avg. Car Insurance in Chattaroy

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Chattaroy

1st place: USAA

2nd place: Erie

3rd place: Westfield

Chattaroy Car Insurance Rates by Company

Cheap Car Insurance Companies in Chattaroy, WV

Way's key takeaways about car insurance in Chattaroy

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Chattaroy

Cheapest Liability Coverage in Chattaroy, WV

Cheapest Full Coverage Car Insurance in Chattaroy

Cheapest Full Coverage Car Insurance Quotes in Chattaroy, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Chattaroy by Rating Factor

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

Car Insurance Premiums by Age in Chattaroy

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Chattaroy,WV

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

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 Chattaroy

Cheapest Car Insurance Companies after an At-Fault Accident in Chattaroy

Chattaroy Car Insurance Rates by Violation

Chattaroy auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Chattaroy after a DUI

Chattaroy car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Chattaroy after Speeding ticket

Car Insurance Price Trends in Chattaroy, West Virginia

Average Car Insurance Cost in Chattaroy by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Chattaroy, WV

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

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