Cheapest Car Insurance Quotes in Mount Gay-Shamrock

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Mount Gay-Shamrock Car Insurance

^$ 36

/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 Mount Gay-Shamrock

The car insurance rate in Mount Gay-Shamrock is $1189 for a six-month policy, which is $137 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $859, making it a popular choice for budget-conscious drivers. Rates in Mount Gay-Shamrock 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 Mount Gay-Shamrock

$1189

Avg. Car Insurance in West Virginia

$1052

National Average

$1278

Cheapest Car Insurance Companies in Mount Gay-Shamrock

1st place: USAA

At $859 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $947 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $986 for six months, making it the third cheapest auto insurance company in Mount Gay-Shamrock.

Mount Gay-Shamrock Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mount Gay-Shamrock, WV is USAA, offering policies at just $859 for a six-month term. This is followed by Erie, which has an average six-month premium of $947.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1678 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Gay-Shamrock drivers find the best deals.

Cheap Car Insurance Companies in Mount Gay-Shamrock, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$859	$145
Erie	$947	$159
Westfield	$986	$166
Encompass	$1048	$179
Progressive	$1194	$201
State Farm	$1194	$201
Nationwide	$1605	$268
Allstate	$1678	$283

Key Takeaways

Way's key takeaways about car insurance in Mount Gay-Shamrock

The auto insurance costs in Mount Gay-Shamrock fall around $859 for six months.
The cheapest auto insurance company in Mount Gay-Shamrock is USAA.
Teen drivers pay the highest rate in Mount Gay-Shamrock at $1063 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Mount Gay-Shamrock

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 Mount Gay-Shamrock are given below.

USAA provides the cheapest minimum car insurance coverage in Mount Gay-Shamrock. Their Average 6 Month Premium is $215. Nationwide is the most expensive at $678 for the same period.

Cheapest Liability Coverage in Mount Gay-Shamrock, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$215	$36
Westfield	$215	$36
Erie	$228	$38
Encompass	$315	$53
State Farm	$322	$54
Allstate	$584	$99
Progressive	$591	$98
Nationwide	$678	$115

Cheapest Full Coverage Car Insurance in Mount Gay-Shamrock

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 Mount Gay-Shamrock is USAA at $145 per month and $859 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mount Gay-Shamrock, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$859	$145
Erie	$947	$159
Westfield	$986	$166
Encompass	$1048	$179
Progressive	$1194	$201
State Farm	$1194	$201
Nationwide	$1605	$268
Allstate	$1678	$283

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Average Car Insurance in Mount Gay-Shamrock 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 Mount Gay-Shamrock, WV increasing?

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

Car Insurance Premiums by Age in Mount Gay-Shamrock

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 Mount Gay-Shamrock,WV

If you are planning to get a car insurance policy for your teenage dependent, Erie provides the cheapest car insurance in the Mount Gay-Shamrock at $216 per month. At $6383 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1283	$216
Westfield	$1329	$224
USAA	$1523	$257
State Farm	$2054	$346
Progressive	$4436	$747
Allstate	$5772	$972
Nationwide	$6383	$1063

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 Mount Gay-Shamrock, Westfield is the cheapest car insurance provider. At $852 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 Mount Gay-Shamrock is State Farm, offering rates of around $4867 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$852	$144
USAA	$1416	$236
Erie	$2087	$355
Nationwide	$2201	$367
Progressive	$2416	$411
Allstate	$2625	$437
State Farm	$4867	$827

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Mount Gay-Shamrock.

Car Insurance Rates with An Accident in Mount Gay-Shamrock

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 Mount Gay-Shamrock, WV, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Gay-Shamrock

The cheapest car insurance companies after an at-fault accident in Mount Gay-Shamrock include Encompass and Erie, offering $416 and $751, respectively. Nationwide is an expensive provider with an average six-month premium of $2631.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$416	$69
Erie	$751	$127
Westfield	$819	$138
USAA	$845	$142
State Farm	$920	$155
Progressive	$1980	$333
Allstate	$2557	$431
Nationwide	$2631	$447

Mount Gay-Shamrock Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mount Gay-Shamrock WV. For example, the car insurance in Mount Gay-Shamrock after a DUI increases to $899 for a six month policy. While the rate increases by $221 for a six-month policy in the case of a speeding ticket.

Mount Gay-Shamrock auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1162	$193
One Med/PIP claim	$1162	$198
One comp claim	$1201	$200
Not-at-fault accident	$1208	$206
Two Med/PIP claims	$1215	$202
Two comp claims	$1276	$217
Failure to wear a seat belt	$1302	$217
Failure to show documents	$1322	$225
Driving without lights	$1336	$223
Cell phone violation	$1376	$234
Texting while driving	$1376	$229
Speeding 6 - 10 MPH over limit	$1383	$235
Driving with expired registration	$1390	$232
Driving too slowly	$1397	$237
Failure to stop at a red light	$1397	$233
Following too closely	$1397	$237
Illegal turn	$1397	$233
Improper passing	$1397	$237
Speeding 11 - 15 MPH over limit	$1397	$233
Speeding in school zone	$1397	$237
Wrong way/wrong lane	$1397	$233
Failure to yield	$1402	$238
Speeding 16 - 20 MPH over limit	$1402	$234
In 65 MPH zone	$1409	$240
Speeding 21 - 25 MPH over limit	$1409	$235
Passing school bus	$1443	$245
Child safety restraint	$1450	$242
Operating a vehicle without permission	$1450	$246
At-fault accident - less than $1000	$1557	$260
Open container	$1571	$267
At-fault accident - $1000-$2000	$1692	$281
At-fault accident - greater than $2000	$1692	$288
Driving with a suspended license	$1859	$310
Reckless driving	$1933	$329
DUI	$2061	$344
Refusal to submit to a chemical test	$2061	$350
Racing	$2068	$345
Leaving scene of an accident/hit and run	$2074	$353

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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 Mount Gay-Shamrock 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 Mount Gay-Shamrock.

The cheapest car insurance premiums in Mount Gay-Shamrock are offered by Erie at $1074 for a six-month policy. However, it can be as expensive as $3302 with companies like Nationwide.

Mount Gay-Shamrock car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1074	$181
USAA	$1249	$210
State Farm	$1283	$216
Progressive	$1484	$250
Westfield	$1571	$264
Allstate	$2262	$381
Nationwide	$3302	$550

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 Mount Gay-Shamrock are offered by Westfield at $605. However, it can be as expensive as $2107 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Mount Gay-Shamrock after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$605	$102
Erie	$644	$108
State Farm	$785	$132
USAA	$872	$146
Progressive	$1859	$316
Allstate	$2027	$338
Nationwide	$2107	$358

Car Insurance Price Trends in Mount Gay-Shamrock, West Virginia

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

The average cost of full coverage in the Mount Gay-Shamrock rose by $251 in January compared to $219 of December. In other words, there has been an increase by $32 when you compare January and December.

The average cost of liability insurance in the Mount Gay-Shamrock rose to $54 in January, compared to $52 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 Mount Gay-Shamrock?

The car insurance in Mount Gay-Shamrock is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Mount Gay-Shamrock?

The cheapest car insurance in Mount Gay-Shamrock is $145 per month for full coverage.

How much is car insurance in Mount Gay-Shamrock for teenagers?

Car insurance for teenagers costs $1283 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 Mount Gay-Shamrock?

The average cost of car insurance is $1052 for a six-month policy. It will cost around $200 per month to insure your car in Mount Gay-Shamrock.

Is car insurance expensive in Mount Gay-Shamrock?

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

Cheapest Car Insurance Quotes in Mount Gay-Shamrock

Why you can trust Way?

How Much Is Car Insurance in Mount Gay-Shamrock

Avg. Car Insurance in Mount Gay-Shamrock

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Mount Gay-Shamrock

1st place: USAA

2nd place: Erie

3rd place: Westfield

Mount Gay-Shamrock Car Insurance Rates by Company

Cheap Car Insurance Companies in Mount Gay-Shamrock, WV

Way's key takeaways about car insurance in Mount Gay-Shamrock

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mount Gay-Shamrock

Cheapest Liability Coverage in Mount Gay-Shamrock, WV

Cheapest Full Coverage Car Insurance in Mount Gay-Shamrock

Cheapest Full Coverage Car Insurance Quotes in Mount Gay-Shamrock, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mount Gay-Shamrock by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Mount Gay-Shamrock, WV increasing?

Car Insurance Premiums by Age in Mount Gay-Shamrock

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mount Gay-Shamrock,WV

If you are in your twenties N/A is the best choice for car insurance in Mount Gay-Shamrock.

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 Mount Gay-Shamrock

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Gay-Shamrock

Mount Gay-Shamrock Car Insurance Rates by Violation

Mount Gay-Shamrock auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mount Gay-Shamrock after a DUI

Mount Gay-Shamrock car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mount Gay-Shamrock after Speeding ticket

Car Insurance Price Trends in Mount Gay-Shamrock, West Virginia

Average Car Insurance Cost in Mount Gay-Shamrock by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mount Gay-Shamrock, WV

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

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