Cheapest Car Insurance Quotes in New Richmond

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New Richmond Car Insurance

^$ 35

/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 New Richmond

The car insurance rate in New Richmond is $1147 for a six-month policy, which is $95 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $828, making it a popular choice for budget-conscious drivers. Rates in New Richmond 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 New Richmond

$1147

Avg. Car Insurance in West Virginia

$1052

National Average

$1278

Cheapest Car Insurance Companies in New Richmond

1st place: USAA

At $828 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $913 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $952 for six months, making it the third cheapest auto insurance company in New Richmond.

New Richmond Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Richmond, WV is USAA, offering policies at just $828 for a six-month term. This is followed by Erie, which has an average six-month premium of $913.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1619 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Richmond drivers find the best deals.

Cheap Car Insurance Companies in New Richmond, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$828	$140
Erie	$913	$154
Westfield	$952	$160
Encompass	$1010	$172
Progressive	$1152	$194
State Farm	$1152	$194
Nationwide	$1548	$258
Allstate	$1619	$273

Key Takeaways

Way's key takeaways about car insurance in New Richmond

The auto insurance costs in New Richmond fall around $828 for six months.
The cheapest auto insurance company in New Richmond is USAA.
Teen drivers pay the highest rate in New Richmond at $1026 per month.

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Cheapest Minimum Liability Car Insurance in New Richmond

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 New Richmond are given below.

USAA provides the cheapest minimum car insurance coverage in New Richmond. Their Average 6 Month Premium is $207. Nationwide is the most expensive at $654 for the same period.

Cheapest Liability Coverage in New Richmond, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$207	$35
Westfield	$207	$35
Erie	$220	$37
Encompass	$304	$51
State Farm	$311	$52
Allstate	$564	$96
Progressive	$570	$95
Nationwide	$654	$111

Cheapest Full Coverage Car Insurance in New Richmond

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 New Richmond is USAA at $140 per month and $828 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Richmond, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$828	$140
Erie	$913	$154
Westfield	$952	$160
Encompass	$1010	$172
Progressive	$1152	$194
State Farm	$1152	$194
Nationwide	$1548	$258
Allstate	$1619	$273

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Average Car Insurance in New Richmond 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 New Richmond, WV increasing?

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

Car Insurance Premiums by Age in New Richmond

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 New Richmond,WV

If you are planning to get a car insurance policy for your teenage dependent, Erie provides the cheapest car insurance in the New Richmond at $208 per month. At $6157 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1237	$208
Westfield	$1282	$216
USAA	$1469	$247
State Farm	$1982	$334
Progressive	$4279	$720
Allstate	$5568	$937
Nationwide	$6157	$1026

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 New Richmond, Westfield is the cheapest car insurance provider. At $822 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 New Richmond is State Farm, offering rates of around $4695 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$822	$138
USAA	$1366	$228
Erie	$2013	$342
Nationwide	$2123	$354
Progressive	$2330	$397
Allstate	$2532	$422
State Farm	$4695	$798

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Car Insurance Rates with An Accident in New Richmond

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

Cheapest Car Insurance Companies after an At-Fault Accident in New Richmond

The cheapest car insurance companies after an at-fault accident in New Richmond include Encompass and Erie, offering $401 and $725, respectively. Nationwide is an expensive provider with an average six-month premium of $2538.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$401	$66
Erie	$725	$122
Westfield	$790	$133
USAA	$815	$137
State Farm	$887	$149
Progressive	$1910	$322
Allstate	$2467	$415
Nationwide	$2538	$432

New Richmond Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Richmond WV. For example, the car insurance in New Richmond after a DUI increases to $867 for a six month policy. While the rate increases by $213 for a six-month policy in the case of a speeding ticket.

New Richmond auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1121	$186
One Med/PIP claim	$1121	$191
One comp claim	$1159	$193
Not-at-fault accident	$1165	$198
Two Med/PIP claims	$1172	$195
Two comp claims	$1231	$209
Failure to wear a seat belt	$1256	$209
Failure to show documents	$1275	$217
Driving without lights	$1288	$215
Cell phone violation	$1328	$226
Texting while driving	$1328	$221
Speeding 6 - 10 MPH over limit	$1334	$227
Driving with expired registration	$1341	$223
Driving too slowly	$1347	$229
Failure to stop at a red light	$1347	$225
Following too closely	$1347	$229
Illegal turn	$1347	$225
Improper passing	$1347	$229
Speeding 11 - 15 MPH over limit	$1347	$225
Speeding in school zone	$1347	$229
Wrong way/wrong lane	$1347	$225
Failure to yield	$1353	$230
Speeding 16 - 20 MPH over limit	$1353	$226
In 65 MPH zone	$1359	$231
Speeding 21 - 25 MPH over limit	$1359	$227
Passing school bus	$1392	$237
Child safety restraint	$1398	$233
Operating a vehicle without permission	$1398	$238
At-fault accident - less than $1000	$1502	$251
Open container	$1515	$257
At-fault accident - $1000-$2000	$1632	$271
At-fault accident - greater than $2000	$1632	$278
Driving with a suspended license	$1793	$299
Reckless driving	$1865	$317
DUI	$1988	$331
Refusal to submit to a chemical test	$1988	$338
Racing	$1995	$332
Leaving scene of an accident/hit and run	$2000	$340

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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 New Richmond 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 New Richmond.

The cheapest car insurance premiums in New Richmond are offered by Erie at $1036 for a six-month policy. However, it can be as expensive as $3185 with companies like Nationwide.

New Richmond car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1036	$174
USAA	$1204	$203
State Farm	$1237	$208
Progressive	$1431	$241
Westfield	$1515	$255
Allstate	$2182	$367
Nationwide	$3185	$531

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 New Richmond are offered by Westfield at $583. However, it can be as expensive as $2033 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in New Richmond after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$583	$98
Erie	$621	$105
State Farm	$758	$128
USAA	$841	$141
Progressive	$1793	$305
Allstate	$1955	$326
Nationwide	$2033	$346

Car Insurance Price Trends in New Richmond, West Virginia

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

The average cost of full coverage in the New Richmond rose by $242 in January compared to $211 of December. In other words, there has been an increase by $31 when you compare January and December.

The average cost of liability insurance in the New Richmond rose to $52 in January, compared to $50 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 New Richmond?

The car insurance in New Richmond is $35 per month, which is lower than the national average.

What is the cheapest car insurance in New Richmond?

The cheapest car insurance in New Richmond is $140 per month for full coverage.

How much is car insurance in New Richmond for teenagers?

Car insurance for teenagers costs $1237 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 New Richmond?

The average cost of car insurance is $1052 for a six-month policy. It will cost around $193 per month to insure your car in New Richmond.

Is car insurance expensive in New Richmond?

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

Cheapest Car Insurance Quotes in New Richmond

Why you can trust Way?

How Much Is Car Insurance in New Richmond

Avg. Car Insurance in New Richmond

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in New Richmond

1st place: USAA

2nd place: Erie

3rd place: Westfield

New Richmond Car Insurance Rates by Company

Cheap Car Insurance Companies in New Richmond, WV

Way's key takeaways about car insurance in New Richmond

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in New Richmond

Cheapest Liability Coverage in New Richmond, WV

Cheapest Full Coverage Car Insurance in New Richmond

Cheapest Full Coverage Car Insurance Quotes in New Richmond, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in New Richmond by Rating Factor

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

Car Insurance Premiums by Age in New Richmond

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in New Richmond,WV

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

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 New Richmond

Cheapest Car Insurance Companies after an At-Fault Accident in New Richmond

New Richmond Car Insurance Rates by Violation

New Richmond auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in New Richmond after a DUI

New Richmond car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in New Richmond after Speeding ticket

Car Insurance Price Trends in New Richmond, West Virginia

Average Car Insurance Cost in New Richmond by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near New Richmond, WV

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

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