Cheapest Car Insurance Quotes in Great Cacapon

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Great Cacapon Car Insurance

^$ 28

/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 Great Cacapon

The car insurance rate in Great Cacapon is $865 for a six-month policy, which is $107 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $661, making it a popular choice for budget-conscious drivers. Rates in Great Cacapon 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 Great Cacapon

$865

Avg. Car Insurance in West Virginia

$972

National Average

$1140

Cheapest Car Insurance Companies in Great Cacapon

1st place: USAA

At $661 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $724 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $746 for six months, making it the third cheapest auto insurance company in Great Cacapon.

Great Cacapon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Great Cacapon, WV is USAA, offering policies at just $661 for a six-month term. This is followed by Erie, which has an average six-month premium of $724.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1274 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Great Cacapon drivers find the best deals.

Cheap Car Insurance Companies in Great Cacapon, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$661	$111
Erie	$724	$122
Westfield	$746	$125
Encompass	$825	$141
State Farm	$825	$139
Progressive	$883	$149
Nationwide	$983	$164
Allstate	$1274	$214

Key Takeaways

Way's key takeaways about car insurance in Great Cacapon

The auto insurance costs in Great Cacapon fall around $661 for six months.
The cheapest auto insurance company in Great Cacapon is USAA.
Teen drivers pay the highest rate in Great Cacapon at $732 per month.

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Cheapest Minimum Liability Car Insurance in Great Cacapon

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 Great Cacapon are given below.

USAA provides the cheapest minimum car insurance coverage in Great Cacapon. Their Average 6 Month Premium is $164. Allstate is the most expensive at $476 for the same period.

Cheapest Liability Coverage in Great Cacapon, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$164	$28
Westfield	$164	$28
Erie	$180	$30
State Farm	$232	$39
Encompass	$248	$42
Nationwide	$433	$74
Progressive	$460	$77
Allstate	$476	$81

Cheapest Full Coverage Car Insurance in Great Cacapon

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 Great Cacapon is USAA at $111 per month and $661 for six months.

Cheapest Full Coverage Car Insurance Quotes in Great Cacapon, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$661	$111
Erie	$724	$122
Westfield	$746	$125
Encompass	$825	$141
State Farm	$825	$139
Progressive	$883	$149
Nationwide	$983	$164
Allstate	$1274	$214

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Average Car Insurance in Great Cacapon 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 Great Cacapon, WV increasing?

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

Car Insurance Premiums by Age in Great Cacapon

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 Great Cacapon,WV

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Great Cacapon at $158 per month. At $4346 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$941	$158
Erie	$957	$161
USAA	$1153	$194
State Farm	$1475	$248
Progressive	$3188	$537
Nationwide	$3801	$646
Allstate	$4346	$732

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 Great Cacapon, Westfield is the cheapest car insurance provider. At $576 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 Great Cacapon is State Farm, offering rates of around $2818 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$576	$97
USAA	$994	$166
Progressive	$1332	$227
Nationwide	$1343	$223
Erie	$1385	$236
Allstate	$1903	$317
State Farm	$2818	$479

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Car Insurance Rates with An Accident in Great Cacapon

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

Cheapest Car Insurance Companies after an At-Fault Accident in Great Cacapon

The cheapest car insurance companies after an at-fault accident in Great Cacapon include Encompass and Erie, offering $328 and $571, respectively. Allstate is an expensive provider with an average six-month premium of $1818.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$328	$54
Erie	$571	$96
Westfield	$608	$102
USAA	$645	$109
State Farm	$687	$116
Progressive	$1512	$255
Nationwide	$1581	$263
Allstate	$1818	$306

Great Cacapon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Great Cacapon WV. For example, the car insurance in Great Cacapon after a DUI increases to $708 for a six month policy. While the rate increases by $174 for a six-month policy in the case of a speeding ticket.

Great Cacapon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$915	$152
One Med/PIP claim	$915	$156
One comp claim	$946	$158
Not-at-fault accident	$951	$162
Two Med/PIP claims	$957	$159
Two comp claims	$1005	$171
Failure to wear a seat belt	$1025	$171
Failure to show documents	$1041	$177
Driving without lights	$1052	$175
Cell phone violation	$1084	$184
Texting while driving	$1084	$181
Speeding 6 - 10 MPH over limit	$1089	$185
Driving with expired registration	$1095	$182
Driving too slowly	$1100	$187
Failure to stop at a red light	$1100	$183
Following too closely	$1100	$187
Illegal turn	$1100	$183
Improper passing	$1100	$187
Speeding 11 - 15 MPH over limit	$1100	$183
Speeding in school zone	$1100	$187
Wrong way/wrong lane	$1100	$183
Failure to yield	$1104	$188
Speeding 16 - 20 MPH over limit	$1104	$184
In 65 MPH zone	$1110	$189
Speeding 21 - 25 MPH over limit	$1110	$185
Passing school bus	$1137	$193
Child safety restraint	$1142	$190
Operating a vehicle without permission	$1142	$194
At-fault accident - less than $1000	$1226	$205
Open container	$1237	$210
At-fault accident - $1000-$2000	$1332	$222
At-fault accident - greater than $2000	$1332	$227
Driving with a suspended license	$1464	$244
Reckless driving	$1523	$259
DUI	$1623	$271
Refusal to submit to a chemical test	$1623	$276
Racing	$1629	$271
Leaving scene of an accident/hit and run	$1633	$278

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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 Great Cacapon 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 Great Cacapon.

The cheapest car insurance premiums in Great Cacapon are offered by Erie at $814 for a six-month policy. However, it can be as expensive as $1972 with companies like Nationwide.

Great Cacapon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$814	$137
State Farm	$920	$155
USAA	$951	$160
Progressive	$1015	$171
Westfield	$1163	$196
Allstate	$1713	$288
Nationwide	$1972	$328

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 Great Cacapon are offered by Westfield at $407. However, it can be as expensive as $1274 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Great Cacapon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$407	$69
Erie	$449	$76
State Farm	$491	$83
USAA	$608	$101
Progressive	$1010	$172
Allstate	$1264	$211
Nationwide	$1274	$216

Car Insurance Price Trends in Great Cacapon, West Virginia

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

The average cost of full coverage in the Great Cacapon remained steady at $173 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Great Cacapon rose to $41 in December, compared to $40 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 Great Cacapon?

The car insurance in Great Cacapon is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Great Cacapon?

The cheapest car insurance in Great Cacapon is $111 per month for full coverage.

How much is car insurance in Great Cacapon for teenagers?

Car insurance for teenagers costs $941 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 Great Cacapon?

The average cost of car insurance is $972 for a six-month policy. It will cost around $145 per month to insure your car in Great Cacapon.

Is car insurance expensive in Great Cacapon?

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

Cheapest Car Insurance Quotes in Great Cacapon

Why you can trust Way?

How Much Is Car Insurance in Great Cacapon

Avg. Car Insurance in Great Cacapon

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Great Cacapon

1st place: USAA

2nd place: Erie

3rd place: Westfield

Great Cacapon Car Insurance Rates by Company

Cheap Car Insurance Companies in Great Cacapon, WV

Way's key takeaways about car insurance in Great Cacapon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Great Cacapon

Cheapest Liability Coverage in Great Cacapon, WV

Cheapest Full Coverage Car Insurance in Great Cacapon

Cheapest Full Coverage Car Insurance Quotes in Great Cacapon, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Great Cacapon by Rating Factor

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

Car Insurance Premiums by Age in Great Cacapon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Great Cacapon,WV

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

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 Great Cacapon

Cheapest Car Insurance Companies after an At-Fault Accident in Great Cacapon

Great Cacapon Car Insurance Rates by Violation

Great Cacapon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Great Cacapon after a DUI

Great Cacapon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Great Cacapon after Speeding ticket

Car Insurance Price Trends in Great Cacapon, West Virginia

Average Car Insurance Cost in Great Cacapon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Great Cacapon, WV

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

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