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Finding the cheapest car insurance quotes in Duncan 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.
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 Duncan
The car insurance rate in Duncan is $962 for a six-month policy, which is $10 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $736, making it a popular choice for budget-conscious drivers. Rates in Duncan 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.
At $736 for a six
month policy, USAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Erie
Erie offers auto
insurance rates at $806 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $830
for six months, making it
the third cheapest auto insurance company in Duncan.
Duncan Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Duncan, WV is USAA, offering policies at just $736 for a six-month term. This is followed by Erie, which has an average six-month premium of $806.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1418 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Duncan drivers find the best deals.
The auto insurance costs in Duncan fall around $736 for six
months.
The cheapest auto insurance company in Duncan is USAA.
Teen drivers pay the highest rate in Duncan at $814 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 Duncan
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 Duncan are given below.
USAA provides
the cheapest minimum car insurance
coverage in Duncan. Their Average 6 Month Premium is $182.
Allstate is the most
expensive at $530 for the same
period.
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 Duncan is USAA
at $124 per month and $736
for six months.
Cheapest Full Coverage Car Insurance Quotes in Duncan,
WV
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 Duncan, WV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Duncan, 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, Duncan's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Duncan
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Duncan,WV
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Duncan at $176
per
month. At $4834 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Duncan.
As young drivers face the highest rates in Duncan, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Duncan,
Westfield is
the cheapest car insurance provider. At $641 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
Duncan is State Farm, offering
rates of around $3134 for six
months.
Save up to $971/yr on car insurance rates in Duncan.
Car Insurance Rates with An Accident in Duncan
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 Duncan, WV,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Duncan
The cheapest car insurance companies after an at-fault accident in
Duncan include Encompass
and Erie, offering $364
and $636,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2023.
Here is a list of driving violations that can increase your car
insurance rates in Duncan WV. For example, the car
insurance in Duncan
after a DUI increases to $788 for a six
month policy. While the rate increases by $194 for a six-month policy in the case of
a speeding ticket.
Duncan auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1018
$169
One Med/PIP claim
$1018
$173
One comp claim
$1052
$175
Not-at-fault accident
$1058
$180
Two Med/PIP claims
$1064
$177
Two comp claims
$1118
$190
Failure to wear a seat belt
$1140
$190
Failure to show documents
$1158
$197
Driving without lights
$1170
$195
Cell phone violation
$1206
$205
Texting while driving
$1206
$201
Speeding 6 - 10 MPH over limit
$1212
$206
Driving with expired registration
$1218
$203
Driving too slowly
$1224
$208
Failure to stop at a red light
$1224
$204
Following too closely
$1224
$208
Illegal turn
$1224
$204
Improper passing
$1224
$208
Speeding 11 - 15 MPH over limit
$1224
$204
Speeding in school zone
$1224
$208
Wrong way/wrong lane
$1224
$204
Failure to yield
$1229
$209
Speeding 16 - 20 MPH over limit
$1229
$205
In 65 MPH zone
$1235
$210
Speeding 21 - 25 MPH over limit
$1235
$206
Passing school bus
$1264
$215
Child safety restraint
$1270
$212
Operating a vehicle without permission
$1270
$216
At-fault accident - less than $1000
$1364
$228
Open container
$1376
$234
At-fault accident - $1000-$2000
$1482
$247
At-fault accident - greater than $2000
$1482
$252
Driving with a suspended license
$1629
$271
Reckless driving
$1694
$288
DUI
$1806
$301
Refusal to submit to a chemical test
$1806
$307
Racing
$1812
$302
Leaving scene of an accident/hit and run
$1817
$309
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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 Duncan 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 Duncan.
The cheapest car insurance premiums in
Duncan are
offered by Erie at $906 for a six-month policy.
However, it can be as
expensive as $2194 with companies
like Nationwide.
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 Duncan are offered by Westfield
at $452. However,
it can be as expensive as $1418
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Duncan after Speeding ticket
Car Insurance Price Trends in Duncan,
West Virginia
Car insurance rates in Duncan have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Duncan remained steady at $192 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Duncan rose to $46 in December,
compared to $45 in November.
This represents an increase of $1
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Duncan. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Duncan?
The car insurance in Duncan is $31 per month, which is lower than the national average.
What is the cheapest car insurance in Duncan?
The cheapest car insurance in Duncan
is $124 per month
for full coverage.
How much is car insurance in Duncan for teenagers?
Car insurance for teenagers costs $1046 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
Duncan?
The average cost of car insurance is $972 for a six-month
policy. It will cost around $161 per month to insure your
car in Duncan.
Is car insurance expensive in Duncan?
Car insurance can be expensive in Duncan if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Duncan can be
affordable.
What is the best car insurance in Duncan,
WV?
The best car insurance company in Duncan
WV is
USAA, offering $736 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Duncan, WV
Car Insurance Rates by State in the USA (2025 Update)
Duncan Car Insurance
