Cheapest Car Insurance Quotes in Red Jacket

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Red Jacket Car Insurance

^$ 36

/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 Red Jacket

The car insurance rate in Red Jacket is $1137 for a six-month policy, which is $165 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $869, making it a popular choice for budget-conscious drivers. Rates in Red Jacket 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 Red Jacket

$1137

Avg. Car Insurance in West Virginia

$972

National Average

$1140

Cheapest Car Insurance Companies in Red Jacket

1st place: USAA

At $869 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $952 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $980 for six months, making it the third cheapest auto insurance company in Red Jacket.

Red Jacket Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Red Jacket, WV is USAA, offering policies at just $869 for a six-month term. This is followed by Erie, which has an average six-month premium of $952.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1675 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Red Jacket drivers find the best deals.

Cheap Car Insurance Companies in Red Jacket, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$869	$146
Erie	$952	$160
Westfield	$980	$165
Encompass	$1085	$185
State Farm	$1085	$183
Progressive	$1161	$195
Nationwide	$1293	$215
Allstate	$1675	$282

Key Takeaways

Way's key takeaways about car insurance in Red Jacket

The auto insurance costs in Red Jacket fall around $869 for six months.
The cheapest auto insurance company in Red Jacket is USAA.
Teen drivers pay the highest rate in Red Jacket at $962 per month.

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Cheapest Minimum Liability Car Insurance in Red Jacket

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 Red Jacket are given below.

USAA provides the cheapest minimum car insurance coverage in Red Jacket. Their Average 6 Month Premium is $215. Allstate is the most expensive at $626 for the same period.

Cheapest Liability Coverage in Red Jacket, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$215	$36
Westfield	$215	$36
Erie	$236	$40
State Farm	$305	$51
Encompass	$326	$55
Nationwide	$570	$97
Progressive	$605	$101
Allstate	$626	$106

Cheapest Full Coverage Car Insurance in Red Jacket

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 Red Jacket is USAA at $146 per month and $869 for six months.

Cheapest Full Coverage Car Insurance Quotes in Red Jacket, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$869	$146
Erie	$952	$160
Westfield	$980	$165
Encompass	$1085	$185
State Farm	$1085	$183
Progressive	$1161	$195
Nationwide	$1293	$215
Allstate	$1675	$282

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Average Car Insurance in Red Jacket 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 Red Jacket, WV increasing?

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

Car Insurance Premiums by Age in Red Jacket

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 Red Jacket,WV

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Red Jacket at $208 per month. At $5713 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$1237	$208
Erie	$1258	$212
USAA	$1515	$255
State Farm	$1939	$326
Progressive	$4191	$706
Nationwide	$4997	$849
Allstate	$5713	$962

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 Red Jacket, Westfield is the cheapest car insurance provider. At $757 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 Red Jacket is State Farm, offering rates of around $3704 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$757	$128
USAA	$1307	$218
Progressive	$1751	$298
Nationwide	$1766	$294
Erie	$1821	$310
Allstate	$2501	$417
State Farm	$3704	$629

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Car Insurance Rates with An Accident in Red Jacket

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

Cheapest Car Insurance Companies after an At-Fault Accident in Red Jacket

The cheapest car insurance companies after an at-fault accident in Red Jacket include Encompass and Erie, offering $431 and $751, respectively. Allstate is an expensive provider with an average six-month premium of $2390.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$431	$71
Erie	$751	$126
Westfield	$799	$135
USAA	$848	$143
State Farm	$903	$152
Progressive	$1988	$335
Nationwide	$2078	$346
Allstate	$2390	$402

Red Jacket Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Red Jacket WV. For example, the car insurance in Red Jacket after a DUI increases to $931 for a six month policy. While the rate increases by $229 for a six-month policy in the case of a speeding ticket.

Red Jacket auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1203	$200
One Med/PIP claim	$1203	$205
One comp claim	$1244	$207
Not-at-fault accident	$1251	$213
Two Med/PIP claims	$1258	$209
Two comp claims	$1321	$225
Failure to wear a seat belt	$1348	$225
Failure to show documents	$1369	$233
Driving without lights	$1383	$230
Cell phone violation	$1425	$242
Texting while driving	$1425	$238
Speeding 6 - 10 MPH over limit	$1432	$243
Driving with expired registration	$1439	$240
Driving too slowly	$1446	$246
Failure to stop at a red light	$1446	$241
Following too closely	$1446	$246
Illegal turn	$1446	$241
Improper passing	$1446	$246
Speeding 11 - 15 MPH over limit	$1446	$241
Speeding in school zone	$1446	$246
Wrong way/wrong lane	$1446	$241
Failure to yield	$1452	$247
Speeding 16 - 20 MPH over limit	$1452	$242
In 65 MPH zone	$1459	$248
Speeding 21 - 25 MPH over limit	$1459	$243
Passing school bus	$1494	$254
Child safety restraint	$1501	$250
Operating a vehicle without permission	$1501	$255
At-fault accident - less than $1000	$1612	$269
Open container	$1626	$276
At-fault accident - $1000-$2000	$1751	$291
At-fault accident - greater than $2000	$1751	$298
Driving with a suspended license	$1925	$321
Reckless driving	$2002	$340
DUI	$2134	$356
Refusal to submit to a chemical test	$2134	$363
Racing	$2141	$357
Leaving scene of an accident/hit and run	$2147	$365

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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 Red Jacket 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 Red Jacket.

The cheapest car insurance premiums in Red Jacket are offered by Erie at $1071 for a six-month policy. However, it can be as expensive as $2593 with companies like Nationwide.

Red Jacket car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1071	$180
State Farm	$1210	$204
USAA	$1251	$211
Progressive	$1334	$225
Westfield	$1529	$257
Allstate	$2252	$379
Nationwide	$2593	$432

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 Red Jacket are offered by Westfield at $535. However, it can be as expensive as $1675 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Red Jacket after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$535	$90
Erie	$591	$99
State Farm	$646	$109
USAA	$799	$133
Progressive	$1328	$226
Allstate	$1661	$277
Nationwide	$1675	$284

Car Insurance Price Trends in Red Jacket, West Virginia

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

The average cost of full coverage in the Red Jacket remained steady at $227 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Red Jacket rose to $54 in December, compared to $53 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 Red Jacket?

The car insurance in Red Jacket is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Red Jacket?

The cheapest car insurance in Red Jacket is $146 per month for full coverage.

How much is car insurance in Red Jacket 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 Red Jacket?

The average cost of car insurance is $972 for a six-month policy. It will cost around $191 per month to insure your car in Red Jacket.

Is car insurance expensive in Red Jacket?

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

Cheapest Car Insurance Quotes in Red Jacket

Why you can trust Way?

How Much Is Car Insurance in Red Jacket

Avg. Car Insurance in Red Jacket

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Red Jacket

1st place: USAA

2nd place: Erie

3rd place: Westfield

Red Jacket Car Insurance Rates by Company

Cheap Car Insurance Companies in Red Jacket, WV

Way's key takeaways about car insurance in Red Jacket

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Red Jacket

Cheapest Liability Coverage in Red Jacket, WV

Cheapest Full Coverage Car Insurance in Red Jacket

Cheapest Full Coverage Car Insurance Quotes in Red Jacket, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Red Jacket by Rating Factor

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

Car Insurance Premiums by Age in Red Jacket

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Red Jacket,WV

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

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 Red Jacket

Cheapest Car Insurance Companies after an At-Fault Accident in Red Jacket

Red Jacket Car Insurance Rates by Violation

Red Jacket auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Red Jacket after a DUI

Red Jacket car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Red Jacket after Speeding ticket

Car Insurance Price Trends in Red Jacket, West Virginia

Average Car Insurance Cost in Red Jacket by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Red Jacket, WV

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

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