Cheapest Car Insurance Quotes in Prichard

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406,175 Policies Sold

Prichard Car Insurance

^$ 37

/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 Prichard

The car insurance rate in Prichard is $1210 for a six-month policy, which is $158 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $874, making it a popular choice for budget-conscious drivers. Rates in Prichard 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 Prichard

$1210

Avg. Car Insurance in West Virginia

$1052

National Average

$1278

Cheapest Car Insurance Companies in Prichard

1st place: USAA

At $874 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $964 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $1004 for six months, making it the third cheapest auto insurance company in Prichard.

Prichard Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Prichard, WV is USAA, offering policies at just $874 for a six-month term. This is followed by Erie, which has an average six-month premium of $964.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1708 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Prichard drivers find the best deals.

Cheap Car Insurance Companies in Prichard, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$874	$147
Erie	$964	$162
Westfield	$1004	$169
Encompass	$1066	$182
Progressive	$1216	$205
State Farm	$1216	$205
Nationwide	$1633	$273
Allstate	$1708	$288

Key Takeaways

Way's key takeaways about car insurance in Prichard

The auto insurance costs in Prichard fall around $874 for six months.
The cheapest auto insurance company in Prichard is USAA.
Teen drivers pay the highest rate in Prichard at $1082 per month.

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Cheapest Minimum Liability Car Insurance in Prichard

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 Prichard are given below.

USAA provides the cheapest minimum car insurance coverage in Prichard. Their Average 6 Month Premium is $218. Nationwide is the most expensive at $690 for the same period.

Cheapest Liability Coverage in Prichard, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$218	$37
Westfield	$218	$37
Erie	$232	$39
Encompass	$321	$54
State Farm	$328	$55
Allstate	$595	$101
Progressive	$601	$100
Nationwide	$690	$117

Cheapest Full Coverage Car Insurance in Prichard

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 Prichard is USAA at $147 per month and $874 for six months.

Cheapest Full Coverage Car Insurance Quotes in Prichard, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$874	$147
Erie	$964	$162
Westfield	$1004	$169
Encompass	$1066	$182
Progressive	$1216	$205
State Farm	$1216	$205
Nationwide	$1633	$273
Allstate	$1708	$288

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Average Car Insurance in Prichard 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 Prichard, WV increasing?

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

Car Insurance Premiums by Age in Prichard

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 Prichard,WV

If you are planning to get a car insurance policy for your teenage dependent, Erie provides the cheapest car insurance in the Prichard at $220 per month. At $6496 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1305	$220
Westfield	$1352	$228
USAA	$1550	$261
State Farm	$2091	$352
Progressive	$4515	$760
Allstate	$5874	$989
Nationwide	$6496	$1082

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 Prichard, Westfield is the cheapest car insurance provider. At $867 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 Prichard is State Farm, offering rates of around $4953 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$867	$146
USAA	$1441	$240
Erie	$2124	$361
Nationwide	$2240	$374
Progressive	$2459	$419
Allstate	$2671	$445
State Farm	$4953	$842

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Car Insurance Rates with An Accident in Prichard

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

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

The cheapest car insurance companies after an at-fault accident in Prichard include Encompass and Erie, offering $423 and $765, respectively. Nationwide is an expensive provider with an average six-month premium of $2677.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$423	$70
Erie	$765	$129
Westfield	$834	$140
USAA	$860	$145
State Farm	$936	$158
Progressive	$2015	$339
Allstate	$2602	$438
Nationwide	$2677	$455

Prichard Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Prichard WV. For example, the car insurance in Prichard after a DUI increases to $916 for a six month policy. While the rate increases by $226 for a six-month policy in the case of a speeding ticket.

Prichard auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1182	$197
One Med/PIP claim	$1182	$201
One comp claim	$1222	$204
Not-at-fault accident	$1229	$209
Two Med/PIP claims	$1236	$206
Two comp claims	$1298	$221
Failure to wear a seat belt	$1325	$221
Failure to show documents	$1346	$229
Driving without lights	$1359	$227
Cell phone violation	$1401	$238
Texting while driving	$1401	$233
Speeding 6 - 10 MPH over limit	$1408	$239
Driving with expired registration	$1415	$236
Driving too slowly	$1421	$241
Failure to stop at a red light	$1421	$237
Following too closely	$1421	$241
Illegal turn	$1421	$237
Improper passing	$1421	$241
Speeding 11 - 15 MPH over limit	$1421	$237
Speeding in school zone	$1421	$241
Wrong way/wrong lane	$1421	$237
Failure to yield	$1427	$243
Speeding 16 - 20 MPH over limit	$1427	$238
In 65 MPH zone	$1434	$244
Speeding 21 - 25 MPH over limit	$1434	$239
Passing school bus	$1469	$250
Child safety restraint	$1475	$246
Operating a vehicle without permission	$1475	$251
At-fault accident - less than $1000	$1585	$265
Open container	$1598	$271
At-fault accident - $1000-$2000	$1722	$286
At-fault accident - greater than $2000	$1722	$293
Driving with a suspended license	$1892	$315
Reckless driving	$1968	$335
DUI	$2098	$350
Refusal to submit to a chemical test	$2098	$357
Racing	$2105	$351
Leaving scene of an accident/hit and run	$2110	$359

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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 Prichard 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 Prichard.

The cheapest car insurance premiums in Prichard are offered by Erie at $1093 for a six-month policy. However, it can be as expensive as $3360 with companies like Nationwide.

Prichard car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1093	$184
USAA	$1271	$214
State Farm	$1305	$220
Progressive	$1510	$254
Westfield	$1598	$269
Allstate	$2302	$388
Nationwide	$3360	$560

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 Prichard are offered by Westfield at $615. However, it can be as expensive as $2145 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Prichard after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$615	$103
Erie	$656	$110
State Farm	$799	$135
USAA	$888	$148
Progressive	$1892	$322
Allstate	$2063	$344
Nationwide	$2145	$365

Car Insurance Price Trends in Prichard, West Virginia

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

The average cost of full coverage in the Prichard rose by $255 in January compared to $223 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 Prichard rose to $55 in January, compared to $53 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 Prichard?

The car insurance in Prichard is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Prichard?

The cheapest car insurance in Prichard is $147 per month for full coverage.

How much is car insurance in Prichard for teenagers?

Car insurance for teenagers costs $1305 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 Prichard?

The average cost of car insurance is $1052 for a six-month policy. It will cost around $204 per month to insure your car in Prichard.

Is car insurance expensive in Prichard?

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

Cheapest Car Insurance Quotes in Prichard

Why you can trust Way?

How Much Is Car Insurance in Prichard

Avg. Car Insurance in Prichard

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Prichard

1st place: USAA

2nd place: Erie

3rd place: Westfield

Prichard Car Insurance Rates by Company

Cheap Car Insurance Companies in Prichard, WV

Way's key takeaways about car insurance in Prichard

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Prichard

Cheapest Liability Coverage in Prichard, WV

Cheapest Full Coverage Car Insurance in Prichard

Cheapest Full Coverage Car Insurance Quotes in Prichard, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Prichard by Rating Factor

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

Car Insurance Premiums by Age in Prichard

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Prichard,WV

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

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 Prichard

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

Prichard Car Insurance Rates by Violation

Prichard auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Prichard after a DUI

Prichard car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Prichard after Speeding ticket

Car Insurance Price Trends in Prichard, West Virginia

Average Car Insurance Cost in Prichard by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Prichard, WV

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

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