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Finding the cheapest car insurance quotes in Lochgelly shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Lochgelly
The car insurance rate in Lochgelly is $923 for a six-month policy, which is $49 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $706, making it a popular choice for budget-conscious drivers. Rates in Lochgelly 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 $706 for a six
month policy, USAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Erie
Erie offers auto
insurance rates at $773 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $796
for six months, making it
the third cheapest auto insurance company in Lochgelly.
Lochgelly Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Lochgelly, WV is USAA, offering policies at just $706 for a six-month term. This is followed by Erie, which has an average six-month premium of $773.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1360 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lochgelly drivers find the best deals.
Way's key takeaways about car insurance in Lochgelly
The auto insurance costs in Lochgelly fall around $706 for six
months.
The cheapest auto insurance company in Lochgelly is USAA.
Teen drivers pay the highest rate in Lochgelly at $781 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Lochgelly
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 Lochgelly are given below.
USAA provides
the cheapest minimum car insurance
coverage in Lochgelly. Their Average 6 Month Premium is $175.
Allstate is the most
expensive at $508 for the same
period.
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 Lochgelly is USAA
at $119 per month and $706
for six months.
Cheapest Full Coverage Car Insurance Quotes in Lochgelly,
WV
Get Your Car Insurance Quote in Lochgelly
Instantly!
Average Car Insurance in Lochgelly 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 Lochgelly, WV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Lochgelly, 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, Lochgelly's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Lochgelly
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Lochgelly,WV
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Lochgelly at $169
per
month. At $4639 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Lochgelly.
As young drivers face the highest rates in Lochgelly, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Lochgelly,
Westfield is
the cheapest car insurance provider. At $615 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
Lochgelly is State Farm, offering
rates of around $3008 for six
months.
Save up to $971/yr on car insurance rates in Lochgelly.
Car Insurance Rates with An Accident in Lochgelly
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 Lochgelly, WV,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Lochgelly
The cheapest car insurance companies after an at-fault accident in
Lochgelly include Encompass
and Erie, offering $350
and $610,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1941.
Here is a list of driving violations that can increase your car
insurance rates in Lochgelly WV. For example, the car
insurance in Lochgelly
after a DUI increases to $756 for a six
month policy. While the rate increases by $186 for a six-month policy in the case of
a speeding ticket.
Lochgelly auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$977
$162
One Med/PIP claim
$977
$166
One comp claim
$1010
$168
Not-at-fault accident
$1016
$173
Two Med/PIP claims
$1021
$170
Two comp claims
$1073
$182
Failure to wear a seat belt
$1094
$182
Failure to show documents
$1112
$189
Driving without lights
$1123
$187
Cell phone violation
$1157
$197
Texting while driving
$1157
$193
Speeding 6 - 10 MPH over limit
$1163
$198
Driving with expired registration
$1169
$195
Driving too slowly
$1174
$200
Failure to stop at a red light
$1174
$196
Following too closely
$1174
$200
Illegal turn
$1174
$196
Improper passing
$1174
$200
Speeding 11 - 15 MPH over limit
$1174
$196
Speeding in school zone
$1174
$200
Wrong way/wrong lane
$1174
$196
Failure to yield
$1179
$200
Speeding 16 - 20 MPH over limit
$1179
$197
In 65 MPH zone
$1185
$201
Speeding 21 - 25 MPH over limit
$1185
$198
Passing school bus
$1213
$206
Child safety restraint
$1219
$203
Operating a vehicle without permission
$1219
$207
At-fault accident - less than $1000
$1309
$219
Open container
$1321
$224
At-fault accident - $1000-$2000
$1422
$237
At-fault accident - greater than $2000
$1422
$242
Driving with a suspended license
$1563
$260
Reckless driving
$1625
$276
DUI
$1733
$289
Refusal to submit to a chemical test
$1733
$295
Racing
$1739
$290
Leaving scene of an accident/hit and run
$1743
$296
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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 Lochgelly 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 Lochgelly.
The cheapest car insurance premiums in
Lochgelly are
offered by Erie at $869 for a six-month policy.
However, it can be as
expensive as $2105 with companies
like Nationwide.
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 Lochgelly are offered by Westfield
at $434. However,
it can be as expensive as $1360
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Lochgelly after Speeding ticket
Car Insurance Price Trends in Lochgelly,
West Virginia
Car insurance rates in Lochgelly have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Lochgelly remained steady at $184 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Lochgelly rose to $44 in December,
compared to $43 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Lochgelly by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Lochgelly. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Lochgelly?
The car insurance in Lochgelly is $29 per month, which is lower than the national average.
What is the cheapest car insurance in Lochgelly?
The cheapest car insurance in Lochgelly
is $119 per month
for full coverage.
How much is car insurance in Lochgelly for teenagers?
Car insurance for teenagers costs $1004 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
Lochgelly?
The average cost of car insurance is $972 for a six-month
policy. It will cost around $155 per month to insure your
car in Lochgelly.
Is car insurance expensive in Lochgelly?
Car insurance can be expensive in Lochgelly if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Lochgelly can be
affordable.
What is the best car insurance in Lochgelly,
WV?
The best car insurance company in Lochgelly
WV is
USAA, offering $706 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Lochgelly, WV
Car Insurance Rates by State in the USA (2025 Update)
Lochgelly Car Insurance
