Cheapest Car Insurance Quotes in Deep Water

Finding the cheapest car insurance quotes in Deep Water 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

406,175 Policies Sold

Deep Water 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 Deep Water

The car insurance rate in Deep Water is $999 for a six-month policy, which is $53 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $722, making it a popular choice for budget-conscious drivers. Rates in Deep Water 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 Deep Water

$999

Avg. Car Insurance in West Virginia

$1052

National Average

$1278

Cheapest Car Insurance Companies in Deep Water

1st place: USAA

At $722 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $796 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $829 for six months, making it the third cheapest auto insurance company in Deep Water.

Deep Water Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Deep Water, WV is USAA, offering policies at just $722 for a six-month term. This is followed by Erie, which has an average six-month premium of $796.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1411 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Deep Water drivers find the best deals.

Cheap Car Insurance Companies in Deep Water, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$722	$122
Erie	$796	$134
Westfield	$829	$140
Encompass	$881	$150
Progressive	$1004	$169
State Farm	$1004	$169
Nationwide	$1349	$225
Allstate	$1411	$238

Key Takeaways

Way's key takeaways about car insurance in Deep Water

The auto insurance costs in Deep Water fall around $722 for six months.
The cheapest auto insurance company in Deep Water is USAA.
Teen drivers pay the highest rate in Deep Water at $894 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 Deep Water

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 Deep Water are given below.

USAA provides the cheapest minimum car insurance coverage in Deep Water. Their Average 6 Month Premium is $181. Nationwide is the most expensive at $570 for the same period.

Cheapest Liability Coverage in Deep Water, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$181	$30
Westfield	$181	$30
Erie	$192	$32
Encompass	$265	$45
State Farm	$271	$46
Allstate	$491	$84
Progressive	$497	$83
Nationwide	$570	$97

Cheapest Full Coverage Car Insurance in Deep Water

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 Deep Water is USAA at $122 per month and $722 for six months.

Cheapest Full Coverage Car Insurance Quotes in Deep Water, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$722	$122
Erie	$796	$134
Westfield	$829	$140
Encompass	$881	$150
Progressive	$1004	$169
State Farm	$1004	$169
Nationwide	$1349	$225
Allstate	$1411	$238

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Deep Water Instantly!

Average Car Insurance in Deep Water 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 Deep Water, WV increasing?

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

Car Insurance Premiums by Age in Deep Water

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 Deep Water,WV

If you are planning to get a car insurance policy for your teenage dependent, Erie provides the cheapest car insurance in the Deep Water at $181 per month. At $5367 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1078	$181
Westfield	$1117	$188
USAA	$1281	$216
State Farm	$1727	$291
Progressive	$3730	$628
Allstate	$4853	$817
Nationwide	$5367	$894

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 Deep Water, Westfield is the cheapest car insurance provider. At $716 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 Deep Water is State Farm, offering rates of around $4092 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$716	$121
USAA	$1190	$199
Erie	$1755	$298
Nationwide	$1851	$309
Progressive	$2031	$346
Allstate	$2207	$368
State Farm	$4092	$695

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Deep Water.

Car Insurance Rates with An Accident in Deep Water

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

Cheapest Car Insurance Companies after an At-Fault Accident in Deep Water

The cheapest car insurance companies after an at-fault accident in Deep Water include Encompass and Erie, offering $350 and $632, respectively. Nationwide is an expensive provider with an average six-month premium of $2212.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$350	$58
Erie	$632	$106
Westfield	$689	$116
USAA	$711	$120
State Farm	$773	$130
Progressive	$1664	$280
Allstate	$2150	$362
Nationwide	$2212	$376

Deep Water Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Deep Water WV. For example, the car insurance in Deep Water 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.

Deep Water 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

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 Deep Water 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 Deep Water.

The cheapest car insurance premiums in Deep Water are offered by Erie at $903 for a six-month policy. However, it can be as expensive as $2776 with companies like Nationwide.

Deep Water car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$903	$152
USAA	$1050	$177
State Farm	$1078	$181
Progressive	$1247	$210
Westfield	$1321	$222
Allstate	$1902	$320
Nationwide	$2776	$463

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 Deep Water are offered by Westfield at $508. However, it can be as expensive as $1772 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Deep Water after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$508	$86
Erie	$542	$91
State Farm	$660	$111
USAA	$733	$123
Progressive	$1563	$266
Allstate	$1704	$284
Nationwide	$1772	$301

Car Insurance Price Trends in Deep Water, West Virginia

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

The average cost of full coverage in the Deep Water rose by $211 in January compared to $184 of December. In other words, there has been an increase by $27 when you compare January and December.

The average cost of liability insurance in the Deep Water rose to $46 in January, compared to $44 in December. This represents an increase of $2 when comparing January and December.

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 Deep Water?

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

What is the cheapest car insurance in Deep Water?

The cheapest car insurance in Deep Water is $122 per month for full coverage.

How much is car insurance in Deep Water for teenagers?

Car insurance for teenagers costs $1078 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 Deep Water?

The average cost of car insurance is $1052 for a six-month policy. It will cost around $168 per month to insure your car in Deep Water.

Is car insurance expensive in Deep Water?

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

Cheapest Car Insurance Quotes in Deep Water

Why you can trust Way?

How Much Is Car Insurance in Deep Water

Avg. Car Insurance in Deep Water

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Deep Water

1st place: USAA

2nd place: Erie

3rd place: Westfield

Deep Water Car Insurance Rates by Company

Cheap Car Insurance Companies in Deep Water, WV

Way's key takeaways about car insurance in Deep Water

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Deep Water

Cheapest Liability Coverage in Deep Water, WV

Cheapest Full Coverage Car Insurance in Deep Water

Cheapest Full Coverage Car Insurance Quotes in Deep Water, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Deep Water by Rating Factor

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

Car Insurance Premiums by Age in Deep Water

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Deep Water,WV

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

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 Deep Water

Cheapest Car Insurance Companies after an At-Fault Accident in Deep Water

Deep Water Car Insurance Rates by Violation

Deep Water auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Deep Water after a DUI

Deep Water car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Deep Water after Speeding ticket

Car Insurance Price Trends in Deep Water, West Virginia

Average Car Insurance Cost in Deep Water by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Deep Water, WV

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

Featured Blogs

Data Sources