Cheapest Car Insurance Quotes in Pleasant Valley

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Pleasant Valley Car Insurance

^$ 29

/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 Pleasant Valley

The car insurance rate in Pleasant Valley is $968 for a six-month policy, which is $84 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $699, making it a popular choice for budget-conscious drivers. Rates in Pleasant Valley 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 Pleasant Valley

$968

Avg. Car Insurance in West Virginia

$1052

National Average

$1278

Cheapest Car Insurance Companies in Pleasant Valley

1st place: USAA

At $699 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $771 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $803 for six months, making it the third cheapest auto insurance company in Pleasant Valley.

Pleasant Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pleasant Valley, WV is USAA, offering policies at just $699 for a six-month term. This is followed by Erie, which has an average six-month premium of $771.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1366 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pleasant Valley drivers find the best deals.

Cheap Car Insurance Companies in Pleasant Valley, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$699	$118
Erie	$771	$130
Westfield	$803	$135
Encompass	$853	$145
Progressive	$972	$164
State Farm	$972	$164
Nationwide	$1306	$218
Allstate	$1366	$230

Key Takeaways

Way's key takeaways about car insurance in Pleasant Valley

The auto insurance costs in Pleasant Valley fall around $699 for six months.
The cheapest auto insurance company in Pleasant Valley is USAA.
Teen drivers pay the highest rate in Pleasant Valley at $866 per month.

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Cheapest Minimum Liability Car Insurance in Pleasant Valley

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 Pleasant Valley are given below.

USAA provides the cheapest minimum car insurance coverage in Pleasant Valley. Their Average 6 Month Premium is $175. Nationwide is the most expensive at $552 for the same period.

Cheapest Liability Coverage in Pleasant Valley, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$175	$29
Westfield	$175	$29
Erie	$186	$31
Encompass	$257	$43
State Farm	$262	$44
Allstate	$476	$81
Progressive	$481	$80
Nationwide	$552	$94

Cheapest Full Coverage Car Insurance in Pleasant Valley

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 Pleasant Valley is USAA at $118 per month and $699 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pleasant Valley, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$699	$118
Erie	$771	$130
Westfield	$803	$135
Encompass	$853	$145
Progressive	$972	$164
State Farm	$972	$164
Nationwide	$1306	$218
Allstate	$1366	$230

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Average Car Insurance in Pleasant Valley 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 Pleasant Valley, WV increasing?

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

Car Insurance Premiums by Age in Pleasant Valley

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 Pleasant Valley,WV

If you are planning to get a car insurance policy for your teenage dependent, Erie provides the cheapest car insurance in the Pleasant Valley at $176 per month. At $5197 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1044	$176
Westfield	$1082	$182
USAA	$1240	$209
State Farm	$1673	$282
Progressive	$3612	$608
Allstate	$4699	$791
Nationwide	$5197	$866

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 Pleasant Valley, Westfield is the cheapest car insurance provider. At $694 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 Pleasant Valley is State Farm, offering rates of around $3962 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$694	$117
USAA	$1153	$192
Erie	$1699	$289
Nationwide	$1792	$299
Progressive	$1967	$335
Allstate	$2137	$356
State Farm	$3962	$673

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Car Insurance Rates with An Accident in Pleasant Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Pleasant Valley

The cheapest car insurance companies after an at-fault accident in Pleasant Valley include Encompass and Erie, offering $339 and $612, respectively. Nationwide is an expensive provider with an average six-month premium of $2142.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$339	$56
Erie	$612	$103
Westfield	$667	$112
USAA	$688	$116
State Farm	$749	$126
Progressive	$1612	$271
Allstate	$2082	$351
Nationwide	$2142	$364

Pleasant Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pleasant Valley WV. For example, the car insurance in Pleasant Valley after a DUI increases to $732 for a six month policy. While the rate increases by $180 for a six-month policy in the case of a speeding ticket.

Pleasant Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$946	$157
One Med/PIP claim	$946	$161
One comp claim	$978	$163
Not-at-fault accident	$983	$167
Two Med/PIP claims	$989	$165
Two comp claims	$1039	$177
Failure to wear a seat belt	$1060	$177
Failure to show documents	$1076	$183
Driving without lights	$1087	$181
Cell phone violation	$1121	$190
Texting while driving	$1121	$187
Speeding 6 - 10 MPH over limit	$1126	$191
Driving with expired registration	$1132	$189
Driving too slowly	$1137	$193
Failure to stop at a red light	$1137	$190
Following too closely	$1137	$193
Illegal turn	$1137	$190
Improper passing	$1137	$193
Speeding 11 - 15 MPH over limit	$1137	$190
Speeding in school zone	$1137	$193
Wrong way/wrong lane	$1137	$190
Failure to yield	$1142	$194
Speeding 16 - 20 MPH over limit	$1142	$190
In 65 MPH zone	$1147	$195
Speeding 21 - 25 MPH over limit	$1147	$191
Passing school bus	$1175	$200
Child safety restraint	$1180	$197
Operating a vehicle without permission	$1180	$201
At-fault accident - less than $1000	$1268	$212
Open container	$1279	$217
At-fault accident - $1000-$2000	$1377	$229
At-fault accident - greater than $2000	$1377	$235
Driving with a suspended license	$1513	$252
Reckless driving	$1574	$268
DUI	$1678	$280
Refusal to submit to a chemical test	$1678	$285
Racing	$1684	$281
Leaving scene of an accident/hit and run	$1688	$287

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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 Pleasant Valley 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 Pleasant Valley.

The cheapest car insurance premiums in Pleasant Valley are offered by Erie at $874 for a six-month policy. However, it can be as expensive as $2688 with companies like Nationwide.

Pleasant Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$874	$147
USAA	$1017	$171
State Farm	$1044	$176
Progressive	$1208	$203
Westfield	$1279	$215
Allstate	$1842	$310
Nationwide	$2688	$448

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 Pleasant Valley are offered by Westfield at $492. However, it can be as expensive as $1716 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Pleasant Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$492	$83
Erie	$524	$88
State Farm	$639	$108
USAA	$710	$119
Progressive	$1513	$258
Allstate	$1650	$275
Nationwide	$1716	$292

Car Insurance Price Trends in Pleasant Valley, West Virginia

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

The average cost of full coverage in the Pleasant Valley rose by $204 in January compared to $178 of December. In other words, there has been an increase by $26 when you compare January and December.

The average cost of liability insurance in the Pleasant Valley rose to $44 in January, compared to $42 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 Pleasant Valley?

The car insurance in Pleasant Valley is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Pleasant Valley?

The cheapest car insurance in Pleasant Valley is $118 per month for full coverage.

How much is car insurance in Pleasant Valley for teenagers?

Car insurance for teenagers costs $1044 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 Pleasant Valley?

The average cost of car insurance is $1052 for a six-month policy. It will cost around $163 per month to insure your car in Pleasant Valley.

Is car insurance expensive in Pleasant Valley?

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

Cheapest Car Insurance Quotes in Pleasant Valley

Why you can trust Way?

How Much Is Car Insurance in Pleasant Valley

Avg. Car Insurance in Pleasant Valley

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Pleasant Valley

1st place: USAA

2nd place: Erie

3rd place: Westfield

Pleasant Valley Car Insurance Rates by Company

Cheap Car Insurance Companies in Pleasant Valley, WV

Way's key takeaways about car insurance in Pleasant Valley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pleasant Valley

Cheapest Liability Coverage in Pleasant Valley, WV

Cheapest Full Coverage Car Insurance in Pleasant Valley

Cheapest Full Coverage Car Insurance Quotes in Pleasant Valley, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pleasant Valley by Rating Factor

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

Car Insurance Premiums by Age in Pleasant Valley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Pleasant Valley,WV

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

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 Pleasant Valley

Cheapest Car Insurance Companies after an At-Fault Accident in Pleasant Valley

Pleasant Valley Car Insurance Rates by Violation

Pleasant Valley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pleasant Valley after a DUI

Pleasant Valley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pleasant Valley after Speeding ticket

Car Insurance Price Trends in Pleasant Valley, West Virginia

Average Car Insurance Cost in Pleasant Valley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pleasant Valley, WV

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

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