Cheapest Car Insurance Quotes in Lester

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406,175 Policies Sold

Lester 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 Lester

The car insurance rate in Lester is $1041 for a six-month policy, which is $11 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $752, making it a popular choice for budget-conscious drivers. Rates in Lester 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 Lester

$1041

Avg. Car Insurance in West Virginia

$1052

National Average

$1278

Cheapest Car Insurance Companies in Lester

1st place: USAA

At $752 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $830 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $864 for six months, making it the third cheapest auto insurance company in Lester.

Lester Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lester, WV is USAA, offering policies at just $752 for a six-month term. This is followed by Erie, which has an average six-month premium of $830.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1470 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lester drivers find the best deals.

Cheap Car Insurance Companies in Lester, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$752	$127
Erie	$830	$140
Westfield	$864	$146
Encompass	$918	$156
Progressive	$1046	$176
State Farm	$1046	$176
Nationwide	$1406	$235
Allstate	$1470	$248

Key Takeaways

Way's key takeaways about car insurance in Lester

The auto insurance costs in Lester fall around $752 for six months.
The cheapest auto insurance company in Lester is USAA.
Teen drivers pay the highest rate in Lester at $932 per month.

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Cheapest Minimum Liability Car Insurance in Lester

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 Lester are given below.

USAA provides the cheapest minimum car insurance coverage in Lester. Their Average 6 Month Premium is $188. Nationwide is the most expensive at $594 for the same period.

Cheapest Liability Coverage in Lester, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$188	$32
Westfield	$188	$32
Erie	$200	$34
Encompass	$276	$47
State Farm	$282	$48
Allstate	$512	$87
Progressive	$518	$86
Nationwide	$594	$101

Cheapest Full Coverage Car Insurance in Lester

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 Lester is USAA at $127 per month and $752 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lester, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$752	$127
Erie	$830	$140
Westfield	$864	$146
Encompass	$918	$156
Progressive	$1046	$176
State Farm	$1046	$176
Nationwide	$1406	$235
Allstate	$1470	$248

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Average Car Insurance in Lester 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 Lester, WV increasing?

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

Car Insurance Premiums by Age in Lester

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 Lester,WV

If you are planning to get a car insurance policy for your teenage dependent, Erie provides the cheapest car insurance in the Lester at $189 per month. At $5593 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1124	$189
Westfield	$1164	$196
USAA	$1335	$225
State Farm	$1800	$303
Progressive	$3887	$654
Allstate	$5057	$851
Nationwide	$5593	$932

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 Lester, Westfield is the cheapest car insurance provider. At $746 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 Lester is State Farm, offering rates of around $4264 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$746	$126
USAA	$1240	$207
Erie	$1829	$311
Nationwide	$1929	$322
Progressive	$2117	$360
Allstate	$2300	$383
State Farm	$4264	$725

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Car Insurance Rates with An Accident in Lester

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

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

The cheapest car insurance companies after an at-fault accident in Lester include Encompass and Erie, offering $364 and $658, respectively. Nationwide is an expensive provider with an average six-month premium of $2305.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$364	$60
Erie	$658	$111
Westfield	$718	$121
USAA	$741	$125
State Farm	$806	$136
Progressive	$1734	$292
Allstate	$2240	$377
Nationwide	$2305	$392

Lester Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lester WV. For example, the car insurance in Lester after a DUI increases to $788 for a six month policy. While the rate increases by $194 for a six-month policy in the case of a speeding ticket.

Lester auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1018	$169
One Med/PIP claim	$1018	$173
One comp claim	$1052	$175
Not-at-fault accident	$1058	$180
Two Med/PIP claims	$1064	$177
Two comp claims	$1118	$190
Failure to wear a seat belt	$1140	$190
Failure to show documents	$1158	$197
Driving without lights	$1170	$195
Cell phone violation	$1206	$205
Texting while driving	$1206	$201
Speeding 6 - 10 MPH over limit	$1212	$206
Driving with expired registration	$1218	$203
Driving too slowly	$1224	$208
Failure to stop at a red light	$1224	$204
Following too closely	$1224	$208
Illegal turn	$1224	$204
Improper passing	$1224	$208
Speeding 11 - 15 MPH over limit	$1224	$204
Speeding in school zone	$1224	$208
Wrong way/wrong lane	$1224	$204
Failure to yield	$1229	$209
Speeding 16 - 20 MPH over limit	$1229	$205
In 65 MPH zone	$1235	$210
Speeding 21 - 25 MPH over limit	$1235	$206
Passing school bus	$1264	$215
Child safety restraint	$1270	$212
Operating a vehicle without permission	$1270	$216
At-fault accident - less than $1000	$1364	$228
Open container	$1376	$234
At-fault accident - $1000-$2000	$1482	$247
At-fault accident - greater than $2000	$1482	$252
Driving with a suspended license	$1629	$271
Reckless driving	$1694	$288
DUI	$1806	$301
Refusal to submit to a chemical test	$1806	$307
Racing	$1812	$302
Leaving scene of an accident/hit and run	$1817	$309

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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 Lester 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 Lester.

The cheapest car insurance premiums in Lester are offered by Erie at $941 for a six-month policy. However, it can be as expensive as $2893 with companies like Nationwide.

Lester car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$941	$158
USAA	$1094	$184
State Farm	$1124	$189
Progressive	$1300	$219
Westfield	$1376	$232
Allstate	$1982	$334
Nationwide	$2893	$482

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 Lester are offered by Westfield at $530. However, it can be as expensive as $1846 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Lester after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$530	$89
Erie	$564	$95
State Farm	$688	$116
USAA	$764	$128
Progressive	$1629	$277
Allstate	$1776	$296
Nationwide	$1846	$314

Car Insurance Price Trends in Lester, West Virginia

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

The average cost of full coverage in the Lester rose by $220 in January compared to $192 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 Lester 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 Lester?

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

What is the cheapest car insurance in Lester?

The cheapest car insurance in Lester is $127 per month for full coverage.

How much is car insurance in Lester for teenagers?

Car insurance for teenagers costs $1124 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 Lester?

The average cost of car insurance is $1052 for a six-month policy. It will cost around $175 per month to insure your car in Lester.

Is car insurance expensive in Lester?

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

Cheapest Car Insurance Quotes in Lester

Why you can trust Way?

How Much Is Car Insurance in Lester

Avg. Car Insurance in Lester

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Lester

1st place: USAA

2nd place: Erie

3rd place: Westfield

Lester Car Insurance Rates by Company

Cheap Car Insurance Companies in Lester, WV

Way's key takeaways about car insurance in Lester

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lester

Cheapest Liability Coverage in Lester, WV

Cheapest Full Coverage Car Insurance in Lester

Cheapest Full Coverage Car Insurance Quotes in Lester, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lester by Rating Factor

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

Car Insurance Premiums by Age in Lester

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lester,WV

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

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 Lester

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

Lester Car Insurance Rates by Violation

Lester auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lester after a DUI

Lester car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lester after Speeding ticket

Car Insurance Price Trends in Lester, West Virginia

Average Car Insurance Cost in Lester by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lester, WV

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

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