Cheapest Car Insurance Quotes in Martinsburg

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Martinsburg Car Insurance

^$ 27

/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 Martinsburg

The car insurance rate in Martinsburg is $836 for a six-month policy, which is $136 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $639, making it a popular choice for budget-conscious drivers. Rates in Martinsburg 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 Martinsburg

$836

Avg. Car Insurance in West Virginia

$972

National Average

$1140

Cheapest Car Insurance Companies in Martinsburg

1st place: USAA

At $639 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $700 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $721 for six months, making it the third cheapest auto insurance company in Martinsburg.

Martinsburg Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Martinsburg, WV is USAA, offering policies at just $639 for a six-month term. This is followed by Erie, which has an average six-month premium of $700.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1232 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Martinsburg drivers find the best deals.

Cheap Car Insurance Companies in Martinsburg, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$639	$108
Erie	$700	$118
Westfield	$721	$121
Encompass	$797	$136
State Farm	$797	$134
Progressive	$853	$144
Nationwide	$950	$158
Allstate	$1232	$207

Key Takeaways

Way's key takeaways about car insurance in Martinsburg

The auto insurance costs in Martinsburg fall around $639 for six months.
The cheapest auto insurance company in Martinsburg is USAA.
Teen drivers pay the highest rate in Martinsburg at $707 per month.

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Cheapest Minimum Liability Car Insurance in Martinsburg

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 Martinsburg are given below.

USAA provides the cheapest minimum car insurance coverage in Martinsburg. Their Average 6 Month Premium is $158. Allstate is the most expensive at $460 for the same period.

Cheapest Liability Coverage in Martinsburg, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$158	$27
Westfield	$158	$27
Erie	$174	$29
State Farm	$224	$38
Encompass	$240	$40
Nationwide	$419	$71
Progressive	$445	$74
Allstate	$460	$78

Cheapest Full Coverage Car Insurance in Martinsburg

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 Martinsburg is USAA at $108 per month and $639 for six months.

Cheapest Full Coverage Car Insurance Quotes in Martinsburg, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$639	$108
Erie	$700	$118
Westfield	$721	$121
Encompass	$797	$136
State Farm	$797	$134
Progressive	$853	$144
Nationwide	$950	$158
Allstate	$1232	$207

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Average Car Insurance in Martinsburg 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 Martinsburg, WV increasing?

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

Car Insurance Premiums by Age in Martinsburg

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 Martinsburg,WV

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Martinsburg at $153 per month. At $4199 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$909	$153
Erie	$925	$156
USAA	$1114	$187
State Farm	$1425	$240
Progressive	$3081	$519
Nationwide	$3673	$624
Allstate	$4199	$707

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 Martinsburg, Westfield is the cheapest car insurance provider. At $556 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 Martinsburg is State Farm, offering rates of around $2723 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$556	$94
USAA	$961	$160
Progressive	$1287	$219
Nationwide	$1298	$216
Erie	$1338	$228
Allstate	$1839	$306
State Farm	$2723	$463

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Car Insurance Rates with An Accident in Martinsburg

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

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

The cheapest car insurance companies after an at-fault accident in Martinsburg include Encompass and Erie, offering $316 and $552, respectively. Allstate is an expensive provider with an average six-month premium of $1757.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$316	$52
Erie	$552	$93
Westfield	$587	$99
USAA	$624	$105
State Farm	$664	$112
Progressive	$1461	$246
Nationwide	$1527	$255
Allstate	$1757	$296

Martinsburg Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Martinsburg WV. For example, the car insurance in Martinsburg after a DUI increases to $685 for a six month policy. While the rate increases by $169 for a six-month policy in the case of a speeding ticket.

Martinsburg auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$884	$147
One Med/PIP claim	$884	$151
One comp claim	$914	$152
Not-at-fault accident	$919	$157
Two Med/PIP claims	$925	$154
Two comp claims	$971	$165
Failure to wear a seat belt	$991	$165
Failure to show documents	$1006	$171
Driving without lights	$1017	$169
Cell phone violation	$1047	$178
Texting while driving	$1047	$175
Speeding 6 - 10 MPH over limit	$1053	$179
Driving with expired registration	$1058	$176
Driving too slowly	$1063	$181
Failure to stop at a red light	$1063	$177
Following too closely	$1063	$181
Illegal turn	$1063	$177
Improper passing	$1063	$181
Speeding 11 - 15 MPH over limit	$1063	$177
Speeding in school zone	$1063	$181
Wrong way/wrong lane	$1063	$177
Failure to yield	$1067	$181
Speeding 16 - 20 MPH over limit	$1067	$178
In 65 MPH zone	$1072	$182
Speeding 21 - 25 MPH over limit	$1072	$179
Passing school bus	$1098	$187
Child safety restraint	$1103	$184
Operating a vehicle without permission	$1103	$187
At-fault accident - less than $1000	$1185	$198
Open container	$1195	$203
At-fault accident - $1000-$2000	$1287	$214
At-fault accident - greater than $2000	$1287	$219
Driving with a suspended license	$1415	$236
Reckless driving	$1471	$250
DUI	$1569	$261
Refusal to submit to a chemical test	$1569	$267
Racing	$1574	$262
Leaving scene of an accident/hit and run	$1578	$268

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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 Martinsburg 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 Martinsburg.

The cheapest car insurance premiums in Martinsburg are offered by Erie at $787 for a six-month policy. However, it can be as expensive as $1906 with companies like Nationwide.

Martinsburg car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$787	$132
State Farm	$889	$150
USAA	$919	$155
Progressive	$980	$165
Westfield	$1124	$189
Allstate	$1656	$279
Nationwide	$1906	$317

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 Martinsburg are offered by Westfield at $393. However, it can be as expensive as $1232 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Martinsburg after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$393	$66
Erie	$434	$73
State Farm	$475	$80
USAA	$587	$98
Progressive	$976	$166
Allstate	$1221	$204
Nationwide	$1232	$209

Car Insurance Price Trends in Martinsburg, West Virginia

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

The average cost of full coverage in the Martinsburg remained steady at $167 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Martinsburg rose to $40 in December, compared to $39 in November. This represents an increase of $1 when comparing December and November.

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Average Car Insurance Cost in Martinsburg 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 Martinsburg. At $1019 for a six-month policy, insuring your car at 25401 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
25401	$1019	$171
25404	$1111	$186
25403	$1011	$169
25405	$1019	$171

Frequently Asked Questions

How much is car insurance in Martinsburg?

The car insurance in Martinsburg is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Martinsburg?

The cheapest car insurance in Martinsburg is $108 per month for full coverage.

How much is car insurance in Martinsburg for teenagers?

Car insurance for teenagers costs $909 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 Martinsburg?

The average cost of car insurance is $972 for a six-month policy. It will cost around $140 per month to insure your car in Martinsburg.

Is car insurance expensive in Martinsburg?

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

Cheapest Car Insurance Quotes in Martinsburg

Why you can trust Way?

How Much Is Car Insurance in Martinsburg

Avg. Car Insurance in Martinsburg

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Martinsburg

1st place: USAA

2nd place: Erie

3rd place: Westfield

Martinsburg Car Insurance Rates by Company

Cheap Car Insurance Companies in Martinsburg, WV

Way's key takeaways about car insurance in Martinsburg

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Martinsburg

Cheapest Liability Coverage in Martinsburg, WV

Cheapest Full Coverage Car Insurance in Martinsburg

Cheapest Full Coverage Car Insurance Quotes in Martinsburg, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Martinsburg by Rating Factor

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

Car Insurance Premiums by Age in Martinsburg

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Martinsburg,WV

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

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 Martinsburg

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

Martinsburg Car Insurance Rates by Violation

Martinsburg auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Martinsburg after a DUI

Martinsburg car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Martinsburg after Speeding ticket

Car Insurance Price Trends in Martinsburg, West Virginia

Average Car Insurance Cost in Martinsburg by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Martinsburg, WV

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

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