Cheapest Car Insurance Quotes in Kermit

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Kermit Car Insurance

^$ 41

/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 Kermit

The car insurance rate in Kermit is $1336 for a six-month policy, which is $284 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $965, making it a popular choice for budget-conscious drivers. Rates in Kermit 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 Kermit

$1336

Avg. Car Insurance in West Virginia

$1052

National Average

$1278

Cheapest Car Insurance Companies in Kermit

1st place: USAA

At $965 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $1064 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $1109 for six months, making it the third cheapest auto insurance company in Kermit.

Kermit Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kermit, WV is USAA, offering policies at just $965 for a six-month term. This is followed by Erie, which has an average six-month premium of $1064.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1886 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kermit drivers find the best deals.

Cheap Car Insurance Companies in Kermit, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$965	$163
Erie	$1064	$179
Westfield	$1109	$187
Encompass	$1177	$201
Progressive	$1342	$226
State Farm	$1342	$226
Nationwide	$1803	$301
Allstate	$1886	$318

Key Takeaways

Way's key takeaways about car insurance in Kermit

The auto insurance costs in Kermit fall around $965 for six months.
The cheapest auto insurance company in Kermit is USAA.
Teen drivers pay the highest rate in Kermit at $1195 per month.

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Cheapest Minimum Liability Car Insurance in Kermit

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 Kermit are given below.

USAA provides the cheapest minimum car insurance coverage in Kermit. Their Average 6 Month Premium is $241. Nationwide is the most expensive at $762 for the same period.

Cheapest Liability Coverage in Kermit, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$241	$41
Westfield	$241	$41
Erie	$257	$43
Encompass	$354	$60
State Farm	$362	$61
Allstate	$657	$112
Progressive	$664	$110
Nationwide	$762	$130

Cheapest Full Coverage Car Insurance in Kermit

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 Kermit is USAA at $163 per month and $965 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kermit, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$965	$163
Erie	$1064	$179
Westfield	$1109	$187
Encompass	$1177	$201
Progressive	$1342	$226
State Farm	$1342	$226
Nationwide	$1803	$301
Allstate	$1886	$318

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Average Car Insurance in Kermit 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 Kermit, WV increasing?

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

Car Insurance Premiums by Age in Kermit

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 Kermit,WV

If you are planning to get a car insurance policy for your teenage dependent, Erie provides the cheapest car insurance in the Kermit at $243 per month. At $7174 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1441	$243
Westfield	$1494	$251
USAA	$1712	$288
State Farm	$2309	$389
Progressive	$4986	$839
Allstate	$6487	$1092
Nationwide	$7174	$1195

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 Kermit, Westfield is the cheapest car insurance provider. At $958 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 Kermit is State Farm, offering rates of around $5470 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$958	$161
USAA	$1591	$265
Erie	$2346	$399
Nationwide	$2474	$413
Progressive	$2715	$462
Allstate	$2950	$491
State Farm	$5470	$930

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Car Insurance Rates with An Accident in Kermit

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

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

The cheapest car insurance companies after an at-fault accident in Kermit include Encompass and Erie, offering $467 and $845, respectively. Nationwide is an expensive provider with an average six-month premium of $2957.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$467	$77
Erie	$845	$142
Westfield	$921	$155
USAA	$950	$160
State Farm	$1034	$174
Progressive	$2225	$375
Allstate	$2874	$484
Nationwide	$2957	$503

Kermit Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kermit WV. For example, the car insurance in Kermit after a DUI increases to $1010 for a six month policy. While the rate increases by $248 for a six-month policy in the case of a speeding ticket.

Kermit auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1306	$217
One Med/PIP claim	$1306	$222
One comp claim	$1350	$225
Not-at-fault accident	$1358	$231
Two Med/PIP claims	$1365	$227
Two comp claims	$1434	$244
Failure to wear a seat belt	$1463	$244
Failure to show documents	$1486	$253
Driving without lights	$1501	$250
Cell phone violation	$1547	$263
Texting while driving	$1547	$258
Speeding 6 - 10 MPH over limit	$1554	$264
Driving with expired registration	$1562	$260
Driving too slowly	$1570	$267
Failure to stop at a red light	$1570	$262
Following too closely	$1570	$267
Illegal turn	$1570	$262
Improper passing	$1570	$267
Speeding 11 - 15 MPH over limit	$1570	$262
Speeding in school zone	$1570	$267
Wrong way/wrong lane	$1570	$262
Failure to yield	$1576	$268
Speeding 16 - 20 MPH over limit	$1576	$263
In 65 MPH zone	$1584	$269
Speeding 21 - 25 MPH over limit	$1584	$264
Passing school bus	$1622	$276
Child safety restraint	$1629	$272
Operating a vehicle without permission	$1629	$277
At-fault accident - less than $1000	$1750	$292
Open container	$1765	$300
At-fault accident - $1000-$2000	$1901	$316
At-fault accident - greater than $2000	$1901	$324
Driving with a suspended license	$2089	$348
Reckless driving	$2173	$370
DUI	$2316	$386
Refusal to submit to a chemical test	$2316	$394
Racing	$2324	$387
Leaving scene of an accident/hit and run	$2330	$396

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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 Kermit 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 Kermit.

The cheapest car insurance premiums in Kermit are offered by Erie at $1207 for a six-month policy. However, it can be as expensive as $3711 with companies like Nationwide.

Kermit car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1207	$203
USAA	$1403	$236
State Farm	$1441	$243
Progressive	$1668	$281
Westfield	$1765	$297
Allstate	$2543	$428
Nationwide	$3711	$618

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 Kermit are offered by Westfield at $679. However, it can be as expensive as $2369 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Kermit after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$679	$114
Erie	$724	$122
State Farm	$883	$149
USAA	$980	$164
Progressive	$2089	$356
Allstate	$2278	$380
Nationwide	$2369	$403

Car Insurance Price Trends in Kermit, West Virginia

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

The average cost of full coverage in the Kermit rose by $282 in January compared to $246 of December. In other words, there has been an increase by $36 when you compare January and December.

The average cost of liability insurance in the Kermit rose to $61 in January, compared to $58 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 Kermit?

The car insurance in Kermit is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Kermit?

The cheapest car insurance in Kermit is $163 per month for full coverage.

How much is car insurance in Kermit for teenagers?

Car insurance for teenagers costs $1441 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 Kermit?

The average cost of car insurance is $1052 for a six-month policy. It will cost around $225 per month to insure your car in Kermit.

Is car insurance expensive in Kermit?

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

Cheapest Car Insurance Quotes in Kermit

Why you can trust Way?

How Much Is Car Insurance in Kermit

Avg. Car Insurance in Kermit

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Kermit

1st place: USAA

2nd place: Erie

3rd place: Westfield

Kermit Car Insurance Rates by Company

Cheap Car Insurance Companies in Kermit, WV

Way's key takeaways about car insurance in Kermit

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Kermit

Cheapest Liability Coverage in Kermit, WV

Cheapest Full Coverage Car Insurance in Kermit

Cheapest Full Coverage Car Insurance Quotes in Kermit, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Kermit by Rating Factor

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

Car Insurance Premiums by Age in Kermit

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Kermit,WV

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

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 Kermit

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

Kermit Car Insurance Rates by Violation

Kermit auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Kermit after a DUI

Kermit car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Kermit after Speeding ticket

Car Insurance Price Trends in Kermit, West Virginia

Average Car Insurance Cost in Kermit by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Kermit, WV

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

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