Cheapest Car Insurance Quotes in Elkview

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Elkview Car Insurance

^$ 32

/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 Elkview

The car insurance rate in Elkview is $1063 for a six-month policy, which is $11 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $768, making it a popular choice for budget-conscious drivers. Rates in Elkview 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 Elkview

$1063

Avg. Car Insurance in West Virginia

$1052

National Average

$1278

Cheapest Car Insurance Companies in Elkview

1st place: USAA

At $768 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $846 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $882 for six months, making it the third cheapest auto insurance company in Elkview.

Elkview Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Elkview, WV is USAA, offering policies at just $768 for a six-month term. This is followed by Erie, which has an average six-month premium of $846.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1500 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elkview drivers find the best deals.

Cheap Car Insurance Companies in Elkview, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$768	$129
Erie	$846	$142
Westfield	$882	$148
Encompass	$936	$160
Progressive	$1068	$180
State Farm	$1068	$180
Nationwide	$1434	$239
Allstate	$1500	$253

Key Takeaways

Way's key takeaways about car insurance in Elkview

The auto insurance costs in Elkview fall around $768 for six months.
The cheapest auto insurance company in Elkview is USAA.
Teen drivers pay the highest rate in Elkview at $950 per month.

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Cheapest Minimum Liability Car Insurance in Elkview

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 Elkview are given below.

USAA provides the cheapest minimum car insurance coverage in Elkview. Their Average 6 Month Premium is $192. Nationwide is the most expensive at $606 for the same period.

Cheapest Liability Coverage in Elkview, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$192	$32
Westfield	$192	$32
Erie	$204	$34
Encompass	$282	$47
State Farm	$288	$48
Allstate	$522	$89
Progressive	$528	$88
Nationwide	$606	$103

Cheapest Full Coverage Car Insurance in Elkview

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 Elkview is USAA at $129 per month and $768 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elkview, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$768	$129
Erie	$846	$142
Westfield	$882	$148
Encompass	$936	$160
Progressive	$1068	$180
State Farm	$1068	$180
Nationwide	$1434	$239
Allstate	$1500	$253

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Average Car Insurance in Elkview 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 Elkview, WV increasing?

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

Car Insurance Premiums by Age in Elkview

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 Elkview,WV

If you are planning to get a car insurance policy for your teenage dependent, Erie provides the cheapest car insurance in the Elkview at $193 per month. At $5705 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1146	$193
Westfield	$1188	$200
USAA	$1361	$229
State Farm	$1836	$309
Progressive	$3965	$668
Allstate	$5159	$869
Nationwide	$5705	$950

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 Elkview, Westfield is the cheapest car insurance provider. At $762 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 Elkview is State Farm, offering rates of around $4350 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$762	$128
USAA	$1266	$211
Erie	$1865	$317
Nationwide	$1967	$328
Progressive	$2159	$368
Allstate	$2346	$391
State Farm	$4350	$739

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Car Insurance Rates with An Accident in Elkview

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

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

The cheapest car insurance companies after an at-fault accident in Elkview include Encompass and Erie, offering $372 and $672, respectively. Nationwide is an expensive provider with an average six-month premium of $2351.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$372	$62
Erie	$672	$113
Westfield	$732	$123
USAA	$755	$127
State Farm	$822	$138
Progressive	$1770	$298
Allstate	$2286	$385
Nationwide	$2351	$400

Elkview Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Elkview WV. For example, the car insurance in Elkview after a DUI increases to $804 for a six month policy. While the rate increases by $198 for a six-month policy in the case of a speeding ticket.

Elkview auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1038	$173
One Med/PIP claim	$1038	$177
One comp claim	$1074	$179
Not-at-fault accident	$1080	$184
Two Med/PIP claims	$1086	$181
Two comp claims	$1140	$194
Failure to wear a seat belt	$1164	$194
Failure to show documents	$1182	$201
Driving without lights	$1194	$199
Cell phone violation	$1230	$209
Texting while driving	$1230	$205
Speeding 6 - 10 MPH over limit	$1236	$210
Driving with expired registration	$1242	$207
Driving too slowly	$1248	$212
Failure to stop at a red light	$1248	$208
Following too closely	$1248	$212
Illegal turn	$1248	$208
Improper passing	$1248	$212
Speeding 11 - 15 MPH over limit	$1248	$208
Speeding in school zone	$1248	$212
Wrong way/wrong lane	$1248	$208
Failure to yield	$1253	$213
Speeding 16 - 20 MPH over limit	$1253	$209
In 65 MPH zone	$1259	$214
Speeding 21 - 25 MPH over limit	$1259	$210
Passing school bus	$1290	$219
Child safety restraint	$1296	$216
Operating a vehicle without permission	$1296	$220
At-fault accident - less than $1000	$1392	$232
Open container	$1404	$238
At-fault accident - $1000-$2000	$1512	$251
At-fault accident - greater than $2000	$1512	$258
Driving with a suspended license	$1661	$277
Reckless driving	$1728	$294
DUI	$1842	$307
Refusal to submit to a chemical test	$1842	$313
Racing	$1848	$308
Leaving scene of an accident/hit and run	$1853	$315

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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 Elkview 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 Elkview.

The cheapest car insurance premiums in Elkview are offered by Erie at $960 for a six-month policy. However, it can be as expensive as $2951 with companies like Nationwide.

Elkview car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$960	$162
USAA	$1116	$188
State Farm	$1146	$193
Progressive	$1326	$223
Westfield	$1404	$236
Allstate	$2022	$340
Nationwide	$2951	$492

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 Elkview are offered by Westfield at $540. However, it can be as expensive as $1884 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Elkview after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$540	$91
Erie	$576	$97
State Farm	$702	$118
USAA	$780	$130
Progressive	$1661	$283
Allstate	$1812	$302
Nationwide	$1884	$320

Car Insurance Price Trends in Elkview, West Virginia

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

The average cost of full coverage in the Elkview rose by $224 in January compared to $196 of December. In other words, there has been an increase by $28 when you compare January and December.

The average cost of liability insurance in the Elkview rose to $48 in January, compared to $46 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 Elkview?

The car insurance in Elkview is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Elkview?

The cheapest car insurance in Elkview is $129 per month for full coverage.

How much is car insurance in Elkview for teenagers?

Car insurance for teenagers costs $1146 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 Elkview?

The average cost of car insurance is $1052 for a six-month policy. It will cost around $179 per month to insure your car in Elkview.

Is car insurance expensive in Elkview?

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

Cheapest Car Insurance Quotes in Elkview

Why you can trust Way?

How Much Is Car Insurance in Elkview

Avg. Car Insurance in Elkview

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Elkview

1st place: USAA

2nd place: Erie

3rd place: Westfield

Elkview Car Insurance Rates by Company

Cheap Car Insurance Companies in Elkview, WV

Way's key takeaways about car insurance in Elkview

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Elkview

Cheapest Liability Coverage in Elkview, WV

Cheapest Full Coverage Car Insurance in Elkview

Cheapest Full Coverage Car Insurance Quotes in Elkview, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Elkview by Rating Factor

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

Car Insurance Premiums by Age in Elkview

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Elkview,WV

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

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 Elkview

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

Elkview Car Insurance Rates by Violation

Elkview auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Elkview after a DUI

Elkview car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Elkview after Speeding ticket

Car Insurance Price Trends in Elkview, West Virginia

Average Car Insurance Cost in Elkview by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Elkview, WV

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

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