Cheapest Car Insurance Quotes in Rainelle

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Rainelle 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 Rainelle

The car insurance rate in Rainelle is $914 for a six-month policy, which is $58 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $698, making it a popular choice for budget-conscious drivers. Rates in Rainelle 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 Rainelle

$914

Avg. Car Insurance in West Virginia

$972

National Average

$1140

Cheapest Car Insurance Companies in Rainelle

1st place: USAA

At $698 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $765 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $788 for six months, making it the third cheapest auto insurance company in Rainelle.

Rainelle Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rainelle, WV is USAA, offering policies at just $698 for a six-month term. This is followed by Erie, which has an average six-month premium of $765.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1346 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rainelle drivers find the best deals.

Cheap Car Insurance Companies in Rainelle, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$698	$118
Erie	$765	$129
Westfield	$788	$133
Encompass	$871	$149
State Farm	$871	$147
Progressive	$932	$157
Nationwide	$1039	$173
Allstate	$1346	$227

Key Takeaways

Way's key takeaways about car insurance in Rainelle

The auto insurance costs in Rainelle fall around $698 for six months.
The cheapest auto insurance company in Rainelle is USAA.
Teen drivers pay the highest rate in Rainelle at $773 per month.

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Cheapest Minimum Liability Car Insurance in Rainelle

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 Rainelle are given below.

USAA provides the cheapest minimum car insurance coverage in Rainelle. Their Average 6 Month Premium is $173. Allstate is the most expensive at $503 for the same period.

Cheapest Liability Coverage in Rainelle, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$173	$29
Westfield	$173	$29
Erie	$190	$32
State Farm	$245	$41
Encompass	$262	$44
Nationwide	$458	$78
Progressive	$486	$81
Allstate	$503	$86

Cheapest Full Coverage Car Insurance in Rainelle

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 Rainelle is USAA at $118 per month and $698 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rainelle, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$698	$118
Erie	$765	$129
Westfield	$788	$133
Encompass	$871	$149
State Farm	$871	$147
Progressive	$932	$157
Nationwide	$1039	$173
Allstate	$1346	$227

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Average Car Insurance in Rainelle 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 Rainelle, WV increasing?

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

Car Insurance Premiums by Age in Rainelle

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 Rainelle,WV

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Rainelle at $167 per month. At $4590 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$994	$167
Erie	$1010	$170
USAA	$1217	$205
State Farm	$1558	$262
Progressive	$3367	$567
Nationwide	$4015	$682
Allstate	$4590	$773

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 Rainelle, Westfield is the cheapest car insurance provider. At $608 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 Rainelle is State Farm, offering rates of around $2976 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$608	$102
USAA	$1050	$175
Progressive	$1407	$240
Nationwide	$1418	$236
Erie	$1463	$249
Allstate	$2010	$335
State Farm	$2976	$506

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Car Insurance Rates with An Accident in Rainelle

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

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

The cheapest car insurance companies after an at-fault accident in Rainelle include Encompass and Erie, offering $346 and $603, respectively. Allstate is an expensive provider with an average six-month premium of $1920.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$346	$57
Erie	$603	$102
Westfield	$642	$108
USAA	$682	$115
State Farm	$726	$122
Progressive	$1597	$269
Nationwide	$1669	$278
Allstate	$1920	$323

Rainelle Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rainelle WV. For example, the car insurance in Rainelle after a DUI increases to $749 for a six month policy. While the rate increases by $185 for a six-month policy in the case of a speeding ticket.

Rainelle auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$966	$161
One Med/PIP claim	$966	$165
One comp claim	$999	$166
Not-at-fault accident	$1005	$171
Two Med/PIP claims	$1010	$168
Two comp claims	$1061	$180
Failure to wear a seat belt	$1083	$180
Failure to show documents	$1100	$187
Driving without lights	$1111	$185
Cell phone violation	$1145	$195
Texting while driving	$1145	$191
Speeding 6 - 10 MPH over limit	$1151	$196
Driving with expired registration	$1156	$193
Driving too slowly	$1162	$197
Failure to stop at a red light	$1162	$194
Following too closely	$1162	$197
Illegal turn	$1162	$194
Improper passing	$1162	$197
Speeding 11 - 15 MPH over limit	$1162	$194
Speeding in school zone	$1162	$197
Wrong way/wrong lane	$1162	$194
Failure to yield	$1167	$198
Speeding 16 - 20 MPH over limit	$1167	$195
In 65 MPH zone	$1172	$199
Speeding 21 - 25 MPH over limit	$1172	$196
Passing school bus	$1200	$204
Child safety restraint	$1206	$201
Operating a vehicle without permission	$1206	$205
At-fault accident - less than $1000	$1295	$216
Open container	$1307	$222
At-fault accident - $1000-$2000	$1407	$234
At-fault accident - greater than $2000	$1407	$240
Driving with a suspended license	$1546	$258
Reckless driving	$1608	$274
DUI	$1715	$286
Refusal to submit to a chemical test	$1715	$291
Racing	$1720	$287
Leaving scene of an accident/hit and run	$1725	$293

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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 Rainelle 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 Rainelle.

The cheapest car insurance premiums in Rainelle are offered by Erie at $860 for a six-month policy. However, it can be as expensive as $2083 with companies like Nationwide.

Rainelle car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$860	$145
State Farm	$972	$164
USAA	$1005	$169
Progressive	$1072	$180
Westfield	$1229	$207
Allstate	$1810	$305
Nationwide	$2083	$347

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 Rainelle are offered by Westfield at $430. However, it can be as expensive as $1346 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Rainelle after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$430	$72
Erie	$475	$80
State Farm	$519	$87
USAA	$642	$107
Progressive	$1067	$181
Allstate	$1335	$223
Nationwide	$1346	$228

Car Insurance Price Trends in Rainelle, West Virginia

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

The average cost of full coverage in the Rainelle remained steady at $182 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Rainelle rose to $43 in December, compared to $42 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 Rainelle?

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

What is the cheapest car insurance in Rainelle?

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

How much is car insurance in Rainelle for teenagers?

Car insurance for teenagers costs $994 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 Rainelle?

The average cost of car insurance is $972 for a six-month policy. It will cost around $153 per month to insure your car in Rainelle.

Is car insurance expensive in Rainelle?

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

Cheapest Car Insurance Quotes in Rainelle

Why you can trust Way?

How Much Is Car Insurance in Rainelle

Avg. Car Insurance in Rainelle

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Rainelle

1st place: USAA

2nd place: Erie

3rd place: Westfield

Rainelle Car Insurance Rates by Company

Cheap Car Insurance Companies in Rainelle, WV

Way's key takeaways about car insurance in Rainelle

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rainelle

Cheapest Liability Coverage in Rainelle, WV

Cheapest Full Coverage Car Insurance in Rainelle

Cheapest Full Coverage Car Insurance Quotes in Rainelle, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rainelle by Rating Factor

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

Car Insurance Premiums by Age in Rainelle

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rainelle,WV

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

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 Rainelle

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

Rainelle Car Insurance Rates by Violation

Rainelle auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rainelle after a DUI

Rainelle car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rainelle after Speeding ticket

Car Insurance Price Trends in Rainelle, West Virginia

Average Car Insurance Cost in Rainelle by ZIP Code

Frequently Asked Questions

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