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Kirby Car Insurance
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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.
The car insurance rate in Kirby is $875 for a six-month policy, which is $97 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $669, making it a popular choice for budget-conscious drivers. Rates in Kirby 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 $669 for a six month policy, USAA offers the cheapest auto insurance rates in the city.
Erie offers auto insurance rates at $733 for a six-month policy, making it one of the cheapest to insure with.
Westfield offers auto insurance rates at $754 for six months, making it the third cheapest auto insurance company in Kirby.
Based on our research, the cheapest car insurance company in Kirby, WV is USAA, offering policies at just $669 for a six-month term. This is followed by Erie, which has an average six-month premium of $733.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1289 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kirby drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $669 | $113 |
| Erie | $733 | $123 |
| Westfield | $754 | $127 |
| Encompass | $834 | $142 |
| State Farm | $834 | $140 |
| Progressive | $893 | $150 |
| Nationwide | $995 | $166 |
| Allstate | $1289 | $217 |
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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 Kirby are given below.
USAA provides the cheapest minimum car insurance coverage in Kirby. Their Average 6 Month Premium is $166. Allstate is the most expensive at $482 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $166 | $28 |
| Westfield | $166 | $28 |
| Erie | $182 | $31 |
| State Farm | $235 | $40 |
| Encompass | $251 | $42 |
| Nationwide | $438 | $75 |
| Progressive | $465 | $77 |
| Allstate | $482 | $82 |
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 Kirby is USAA at $113 per month and $669 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $669 | $113 |
| Erie | $733 | $123 |
| Westfield | $754 | $127 |
| Encompass | $834 | $142 |
| State Farm | $834 | $140 |
| Progressive | $893 | $150 |
| Nationwide | $995 | $166 |
| Allstate | $1289 | $217 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Kirby, 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, Kirby's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Kirby at $160 per month. At $4395 for a six-month premium, Allstate offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $951 | $160 |
| Erie | $968 | $163 |
| USAA | $1166 | $196 |
| State Farm | $1491 | $251 |
| Progressive | $3224 | $543 |
| Nationwide | $3844 | $653 |
| Allstate | $4395 | $740 |
Teen Car Insurance Rates in WV by Age
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.
For those with poor credit scores in Kirby, Westfield is the cheapest car insurance provider. At $582 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 Kirby is State Farm, offering rates of around $2849 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $582 | $98 |
| USAA | $1005 | $167 |
| Progressive | $1347 | $230 |
| Nationwide | $1358 | $226 |
| Erie | $1400 | $239 |
| Allstate | $1924 | $320 |
| State Farm | $2849 | $484 |
Save up to $971/yr on car insurance rates in Kirby.
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 Kirby, WV, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Kirby include Encompass and Erie, offering $331 and $578, respectively. Allstate is an expensive provider with an average six-month premium of $1839.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Encompass | $331 | $55 |
| Erie | $578 | $97 |
| Westfield | $615 | $104 |
| USAA | $653 | $110 |
| State Farm | $695 | $117 |
| Progressive | $1529 | $257 |
| Nationwide | $1598 | $266 |
| Allstate | $1839 | $310 |
Here is a list of driving violations that can increase your car insurance rates in Kirby WV. For example, the car insurance in Kirby after a DUI increases to $717 for a six month policy. While the rate increases by $177 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $925 | $154 |
| One Med/PIP claim | $925 | $158 |
| One comp claim | $957 | $159 |
| Not-at-fault accident | $962 | $164 |
| Two Med/PIP claims | $968 | $161 |
| Two comp claims | $1016 | $173 |
| Failure to wear a seat belt | $1037 | $173 |
| Failure to show documents | $1053 | $179 |
| Driving without lights | $1064 | $177 |
| Cell phone violation | $1096 | $186 |
| Texting while driving | $1096 | $183 |
| Speeding 6 - 10 MPH over limit | $1102 | $187 |
| Driving with expired registration | $1107 | $185 |
| Driving too slowly | $1112 | $189 |
| Failure to stop at a red light | $1112 | $185 |
| Following too closely | $1112 | $189 |
| Illegal turn | $1112 | $185 |
| Improper passing | $1112 | $189 |
| Speeding 11 - 15 MPH over limit | $1112 | $185 |
| Speeding in school zone | $1112 | $189 |
| Wrong way/wrong lane | $1112 | $185 |
| Failure to yield | $1117 | $190 |
| Speeding 16 - 20 MPH over limit | $1117 | $186 |
| In 65 MPH zone | $1122 | $191 |
| Speeding 21 - 25 MPH over limit | $1122 | $187 |
| Passing school bus | $1149 | $195 |
| Child safety restraint | $1155 | $193 |
| Operating a vehicle without permission | $1155 | $196 |
| At-fault accident - less than $1000 | $1240 | $207 |
| Open container | $1251 | $212 |
| At-fault accident - $1000-$2000 | $1347 | $224 |
| At-fault accident - greater than $2000 | $1347 | $230 |
| Driving with a suspended license | $1481 | $247 |
| Reckless driving | $1540 | $262 |
| DUI | $1642 | $274 |
| Refusal to submit to a chemical test | $1642 | $279 |
| Racing | $1647 | $275 |
| Leaving scene of an accident/hit and run | $1652 | $281 |
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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.
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 Kirby.
The cheapest car insurance premiums in Kirby are offered by Erie at $824 for a six-month policy. However, it can be as expensive as $1994 with companies like Nationwide.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Erie | $824 | $139 |
| State Farm | $931 | $157 |
| USAA | $962 | $162 |
| Progressive | $1026 | $173 |
| Westfield | $1176 | $198 |
| Allstate | $1733 | $292 |
| Nationwide | $1994 | $332 |
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 Kirby are offered by Westfield at $411. However, it can be as expensive as $1289 with companies like Nationwide for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $411 | $69 |
| Erie | $455 | $77 |
| State Farm | $497 | $84 |
| USAA | $615 | $103 |
| Progressive | $1022 | $174 |
| Allstate | $1278 | $213 |
| Nationwide | $1289 | $219 |
Car insurance rates in Kirby have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Kirby remained steady at $175 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Kirby remained steady at $41 in both December and November, indicating no change over the two month period.
How much is car insurance in Kirby?
The car insurance in Kirby is $28 per month, which is lower than the national average.
What is the cheapest car insurance in Kirby?
The cheapest car insurance in Kirby is $113 per month for full coverage.
How much is car insurance in Kirby for teenagers?
Car insurance for teenagers costs $951 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 Kirby?
The average cost of car insurance is $972 for a six-month policy. It will cost around $147 per month to insure your car in Kirby.
Is car insurance expensive in Kirby?
Car insurance can be expensive in Kirby if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Kirby can be affordable.
What is the best car insurance in Kirby, WV?
The best car insurance company in Kirby WV is USAA, offering $669 for a six-month policy.
Cut auto insurance costs in Kirby right now.