Cheapest Car Insurance Quotes in Kopperston

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Kopperston Car Insurance

^$ 34

/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 Kopperston

The car insurance rate in Kopperston is $1069 for a six-month policy, which is $97 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $817, making it a popular choice for budget-conscious drivers. Rates in Kopperston 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 Kopperston

$1069

Avg. Car Insurance in West Virginia

$972

National Average

$1140

Cheapest Car Insurance Companies in Kopperston

1st place: USAA

At $817 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $895 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $922 for six months, making it the third cheapest auto insurance company in Kopperston.

Kopperston Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kopperston, WV is USAA, offering policies at just $817 for a six-month term. This is followed by Erie, which has an average six-month premium of $895.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1575 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kopperston drivers find the best deals.

Cheap Car Insurance Companies in Kopperston, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$817	$138
Erie	$895	$151
Westfield	$922	$155
Encompass	$1020	$174
State Farm	$1020	$172
Progressive	$1091	$184
Nationwide	$1216	$202
Allstate	$1575	$265

Key Takeaways

Way's key takeaways about car insurance in Kopperston

The auto insurance costs in Kopperston fall around $817 for six months.
The cheapest auto insurance company in Kopperston is USAA.
Teen drivers pay the highest rate in Kopperston at $904 per month.

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Cheapest Minimum Liability Car Insurance in Kopperston

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 Kopperston are given below.

USAA provides the cheapest minimum car insurance coverage in Kopperston. Their Average 6 Month Premium is $202. Allstate is the most expensive at $589 for the same period.

Cheapest Liability Coverage in Kopperston, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$202	$34
Westfield	$202	$34
Erie	$222	$37
State Farm	$287	$48
Encompass	$307	$52
Nationwide	$536	$91
Progressive	$569	$95
Allstate	$589	$100

Cheapest Full Coverage Car Insurance in Kopperston

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 Kopperston is USAA at $138 per month and $817 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kopperston, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$817	$138
Erie	$895	$151
Westfield	$922	$155
Encompass	$1020	$174
State Farm	$1020	$172
Progressive	$1091	$184
Nationwide	$1216	$202
Allstate	$1575	$265

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Average Car Insurance in Kopperston 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 Kopperston, WV increasing?

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

Car Insurance Premiums by Age in Kopperston

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 Kopperston,WV

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Kopperston at $196 per month. At $5371 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$1163	$196
Erie	$1183	$199
USAA	$1425	$240
State Farm	$1823	$307
Progressive	$3940	$663
Nationwide	$4698	$799
Allstate	$5371	$904

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 Kopperston, Westfield is the cheapest car insurance provider. At $712 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 Kopperston is State Farm, offering rates of around $3483 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$712	$120
USAA	$1229	$205
Progressive	$1647	$281
Nationwide	$1660	$276
Erie	$1712	$292
Allstate	$2352	$392
State Farm	$3483	$592

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Car Insurance Rates with An Accident in Kopperston

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

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

The cheapest car insurance companies after an at-fault accident in Kopperston include Encompass and Erie, offering $405 and $706, respectively. Allstate is an expensive provider with an average six-month premium of $2247.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$405	$67
Erie	$706	$119
Westfield	$751	$127
USAA	$798	$134
State Farm	$849	$143
Progressive	$1869	$315
Nationwide	$1954	$326
Allstate	$2247	$378

Kopperston Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kopperston WV. For example, the car insurance in Kopperston after a DUI increases to $875 for a six month policy. While the rate increases by $215 for a six-month policy in the case of a speeding ticket.

Kopperston auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1131	$188
One Med/PIP claim	$1131	$193
One comp claim	$1169	$195
Not-at-fault accident	$1176	$200
Two Med/PIP claims	$1183	$197
Two comp claims	$1242	$211
Failure to wear a seat belt	$1267	$211
Failure to show documents	$1287	$219
Driving without lights	$1300	$217
Cell phone violation	$1340	$228
Texting while driving	$1340	$223
Speeding 6 - 10 MPH over limit	$1346	$229
Driving with expired registration	$1353	$226
Driving too slowly	$1360	$231
Failure to stop at a red light	$1360	$227
Following too closely	$1360	$231
Illegal turn	$1360	$227
Improper passing	$1360	$231
Speeding 11 - 15 MPH over limit	$1360	$227
Speeding in school zone	$1360	$231
Wrong way/wrong lane	$1360	$227
Failure to yield	$1365	$232
Speeding 16 - 20 MPH over limit	$1365	$228
In 65 MPH zone	$1372	$233
Speeding 21 - 25 MPH over limit	$1372	$229
Passing school bus	$1405	$239
Child safety restraint	$1411	$235
Operating a vehicle without permission	$1411	$240
At-fault accident - less than $1000	$1516	$253
Open container	$1529	$260
At-fault accident - $1000-$2000	$1647	$274
At-fault accident - greater than $2000	$1647	$281
Driving with a suspended license	$1810	$301
Reckless driving	$1882	$320
DUI	$2006	$334
Refusal to submit to a chemical test	$2006	$341
Racing	$2013	$336
Leaving scene of an accident/hit and run	$2019	$343

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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 Kopperston 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 Kopperston.

The cheapest car insurance premiums in Kopperston are offered by Erie at $1007 for a six-month policy. However, it can be as expensive as $2438 with companies like Nationwide.

Kopperston car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1007	$169
State Farm	$1137	$191
USAA	$1176	$198
Progressive	$1254	$211
Westfield	$1438	$242
Allstate	$2118	$356
Nationwide	$2438	$406

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 Kopperston are offered by Westfield at $503. However, it can be as expensive as $1575 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Kopperston after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$503	$85
Erie	$556	$94
State Farm	$607	$102
USAA	$751	$125
Progressive	$1249	$212
Allstate	$1562	$261
Nationwide	$1575	$267

Car Insurance Price Trends in Kopperston, West Virginia

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

The average cost of full coverage in the Kopperston remained steady at $213 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Kopperston rose to $51 in December, compared to $50 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 Kopperston?

The car insurance in Kopperston is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Kopperston?

The cheapest car insurance in Kopperston is $138 per month for full coverage.

How much is car insurance in Kopperston for teenagers?

Car insurance for teenagers costs $1163 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 Kopperston?

The average cost of car insurance is $972 for a six-month policy. It will cost around $179 per month to insure your car in Kopperston.

Is car insurance expensive in Kopperston?

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

Cheapest Car Insurance Quotes in Kopperston

Why you can trust Way?

How Much Is Car Insurance in Kopperston

Avg. Car Insurance in Kopperston

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Kopperston

1st place: USAA

2nd place: Erie

3rd place: Westfield

Kopperston Car Insurance Rates by Company

Cheap Car Insurance Companies in Kopperston, WV

Way's key takeaways about car insurance in Kopperston

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Kopperston

Cheapest Liability Coverage in Kopperston, WV

Cheapest Full Coverage Car Insurance in Kopperston

Cheapest Full Coverage Car Insurance Quotes in Kopperston, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Kopperston by Rating Factor

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

Car Insurance Premiums by Age in Kopperston

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Kopperston,WV

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

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 Kopperston

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

Kopperston Car Insurance Rates by Violation

Kopperston auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Kopperston after a DUI

Kopperston car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Kopperston after Speeding ticket

Car Insurance Price Trends in Kopperston, West Virginia

Average Car Insurance Cost in Kopperston by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Kopperston, WV

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

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