Cheapest Car Insurance Quotes in Paden City

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Paden City Car Insurance

^$ 30

/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 Paden City

The car insurance rate in Paden City is $933 for a six-month policy, which is $39 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $713, making it a popular choice for budget-conscious drivers. Rates in Paden City 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 Paden City

$933

Avg. Car Insurance in West Virginia

$972

National Average

$1140

Cheapest Car Insurance Companies in Paden City

1st place: USAA

At $713 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $781 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $804 for six months, making it the third cheapest auto insurance company in Paden City.

Paden City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Paden City, WV is USAA, offering policies at just $713 for a six-month term. This is followed by Erie, which has an average six-month premium of $781.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1375 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Paden City drivers find the best deals.

Cheap Car Insurance Companies in Paden City, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$713	$120
Erie	$781	$132
Westfield	$804	$135
Encompass	$890	$152
State Farm	$890	$150
Progressive	$952	$160
Nationwide	$1061	$177
Allstate	$1375	$231

Key Takeaways

Way's key takeaways about car insurance in Paden City

The auto insurance costs in Paden City fall around $713 for six months.
The cheapest auto insurance company in Paden City is USAA.
Teen drivers pay the highest rate in Paden City at $789 per month.

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Cheapest Minimum Liability Car Insurance in Paden City

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 Paden City are given below.

USAA provides the cheapest minimum car insurance coverage in Paden City. Their Average 6 Month Premium is $177. Allstate is the most expensive at $514 for the same period.

Cheapest Liability Coverage in Paden City, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$177	$30
Westfield	$177	$30
Erie	$194	$33
State Farm	$251	$42
Encompass	$268	$45
Nationwide	$468	$80
Progressive	$496	$83
Allstate	$514	$87

Cheapest Full Coverage Car Insurance in Paden City

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 Paden City is USAA at $120 per month and $713 for six months.

Cheapest Full Coverage Car Insurance Quotes in Paden City, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$713	$120
Erie	$781	$132
Westfield	$804	$135
Encompass	$890	$152
State Farm	$890	$150
Progressive	$952	$160
Nationwide	$1061	$177
Allstate	$1375	$231

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Average Car Insurance in Paden City 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 Paden City, WV increasing?

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

Car Insurance Premiums by Age in Paden City

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 Paden City,WV

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Paden City at $171 per month. At $4688 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$1015	$171
Erie	$1032	$174
USAA	$1243	$209
State Farm	$1591	$268
Progressive	$3439	$579
Nationwide	$4100	$697
Allstate	$4688	$789

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 Paden City, Westfield is the cheapest car insurance provider. At $621 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 Paden City is State Farm, offering rates of around $3039 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$621	$105
USAA	$1072	$179
Progressive	$1437	$245
Nationwide	$1449	$241
Erie	$1494	$254
Allstate	$2052	$342
State Farm	$3039	$516

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Car Insurance Rates with An Accident in Paden City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Paden City

The cheapest car insurance companies after an at-fault accident in Paden City include Encompass and Erie, offering $353 and $616, respectively. Allstate is an expensive provider with an average six-month premium of $1961.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$353	$59
Erie	$616	$104
Westfield	$656	$110
USAA	$696	$117
State Farm	$741	$125
Progressive	$1631	$275
Nationwide	$1705	$284
Allstate	$1961	$330

Paden City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Paden City WV. For example, the car insurance in Paden City after a DUI increases to $764 for a six month policy. While the rate increases by $188 for a six-month policy in the case of a speeding ticket.

Paden City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$987	$164
One Med/PIP claim	$987	$168
One comp claim	$1020	$170
Not-at-fault accident	$1026	$175
Two Med/PIP claims	$1032	$172
Two comp claims	$1084	$184
Failure to wear a seat belt	$1106	$184
Failure to show documents	$1123	$191
Driving without lights	$1135	$189
Cell phone violation	$1169	$199
Texting while driving	$1169	$195
Speeding 6 - 10 MPH over limit	$1175	$200
Driving with expired registration	$1181	$197
Driving too slowly	$1187	$202
Failure to stop at a red light	$1187	$198
Following too closely	$1187	$202
Illegal turn	$1187	$198
Improper passing	$1187	$202
Speeding 11 - 15 MPH over limit	$1187	$198
Speeding in school zone	$1187	$202
Wrong way/wrong lane	$1187	$198
Failure to yield	$1191	$203
Speeding 16 - 20 MPH over limit	$1191	$199
In 65 MPH zone	$1197	$204
Speeding 21 - 25 MPH over limit	$1197	$200
Passing school bus	$1226	$208
Child safety restraint	$1232	$205
Operating a vehicle without permission	$1232	$209
At-fault accident - less than $1000	$1323	$221
Open container	$1334	$227
At-fault accident - $1000-$2000	$1437	$239
At-fault accident - greater than $2000	$1437	$245
Driving with a suspended license	$1579	$263
Reckless driving	$1643	$279
DUI	$1751	$292
Refusal to submit to a chemical test	$1751	$298
Racing	$1757	$293
Leaving scene of an accident/hit and run	$1762	$300

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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 Paden City 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 Paden City.

The cheapest car insurance premiums in Paden City are offered by Erie at $878 for a six-month policy. However, it can be as expensive as $2127 with companies like Nationwide.

Paden City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$878	$148
State Farm	$993	$167
USAA	$1026	$173
Progressive	$1094	$184
Westfield	$1255	$211
Allstate	$1848	$311
Nationwide	$2127	$354

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 Paden City are offered by Westfield at $439. However, it can be as expensive as $1375 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Paden City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$439	$74
Erie	$485	$82
State Farm	$530	$89
USAA	$656	$109
Progressive	$1090	$185
Allstate	$1363	$228
Nationwide	$1375	$233

Car Insurance Price Trends in Paden City, West Virginia

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

The average cost of full coverage in the Paden City remained steady at $186 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Paden City rose to $44 in December, compared to $43 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Paden City?

The car insurance in Paden City is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Paden City?

The cheapest car insurance in Paden City is $120 per month for full coverage.

How much is car insurance in Paden City for teenagers?

Car insurance for teenagers costs $1015 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 Paden City?

The average cost of car insurance is $972 for a six-month policy. It will cost around $156 per month to insure your car in Paden City.

Is car insurance expensive in Paden City?

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

Cheapest Car Insurance Quotes in Paden City

Why you can trust Way?

How Much Is Car Insurance in Paden City

Avg. Car Insurance in Paden City

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Paden City

1st place: USAA

2nd place: Erie

3rd place: Westfield

Paden City Car Insurance Rates by Company

Cheap Car Insurance Companies in Paden City, WV

Way's key takeaways about car insurance in Paden City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Paden City

Cheapest Liability Coverage in Paden City, WV

Cheapest Full Coverage Car Insurance in Paden City

Cheapest Full Coverage Car Insurance Quotes in Paden City, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Paden City by Rating Factor

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

Car Insurance Premiums by Age in Paden City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Paden City,WV

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

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 Paden City

Cheapest Car Insurance Companies after an At-Fault Accident in Paden City

Paden City Car Insurance Rates by Violation

Paden City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Paden City after a DUI

Paden City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Paden City after Speeding ticket

Car Insurance Price Trends in Paden City, West Virginia

Average Car Insurance Cost in Paden City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Paden City, WV

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

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