Cheapest Car Insurance Quotes in Rupert

Finding the cheapest car insurance quotes in Rupert shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Rupert 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 Rupert

The car insurance rate in Rupert is $978 for a six-month policy, which is $74 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $707, making it a popular choice for budget-conscious drivers. Rates in Rupert 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 Rupert

$978

Avg. Car Insurance in West Virginia

$1052

National Average

$1278

Cheapest Car Insurance Companies in Rupert

1st place: USAA

At $707 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $779 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $812 for six months, making it the third cheapest auto insurance company in Rupert.

Rupert Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rupert, WV is USAA, offering policies at just $707 for a six-month term. This is followed by Erie, which has an average six-month premium of $779.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1381 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rupert drivers find the best deals.

Cheap Car Insurance Companies in Rupert, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$707	$119
Erie	$779	$131
Westfield	$812	$137
Encompass	$862	$147
Progressive	$983	$166
State Farm	$983	$166
Nationwide	$1321	$220
Allstate	$1381	$233

Key Takeaways

Way's key takeaways about car insurance in Rupert

The auto insurance costs in Rupert fall around $707 for six months.
The cheapest auto insurance company in Rupert is USAA.
Teen drivers pay the highest rate in Rupert at $875 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Rupert

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 Rupert are given below.

USAA provides the cheapest minimum car insurance coverage in Rupert. Their Average 6 Month Premium is $177. Nationwide is the most expensive at $558 for the same period.

Cheapest Liability Coverage in Rupert, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$177	$30
Westfield	$177	$30
Erie	$188	$32
Encompass	$259	$44
State Farm	$265	$45
Allstate	$481	$82
Progressive	$486	$81
Nationwide	$558	$95

Cheapest Full Coverage Car Insurance in Rupert

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 Rupert is USAA at $119 per month and $707 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rupert, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$707	$119
Erie	$779	$131
Westfield	$812	$137
Encompass	$862	$147
Progressive	$983	$166
State Farm	$983	$166
Nationwide	$1321	$220
Allstate	$1381	$233

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Rupert Instantly!

Average Car Insurance in Rupert 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 Rupert, WV increasing?

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

Car Insurance Premiums by Age in Rupert

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Rupert,WV

If you are planning to get a car insurance policy for your teenage dependent, Erie provides the cheapest car insurance in the Rupert at $178 per month. At $5254 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1056	$178
Westfield	$1094	$184
USAA	$1254	$211
State Farm	$1691	$285
Progressive	$3651	$615
Allstate	$4750	$800
Nationwide	$5254	$875

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 Rupert, Westfield is the cheapest car insurance provider. At $701 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 Rupert is State Farm, offering rates of around $4006 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$701	$118
USAA	$1165	$194
Erie	$1718	$292
Nationwide	$1812	$302
Progressive	$1988	$339
Allstate	$2160	$360
State Farm	$4006	$681

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Rupert.

Car Insurance Rates with An Accident in Rupert

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

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

The cheapest car insurance companies after an at-fault accident in Rupert include Encompass and Erie, offering $342 and $618, respectively. Nationwide is an expensive provider with an average six-month premium of $2165.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$342	$57
Erie	$618	$104
Westfield	$674	$113
USAA	$696	$117
State Farm	$757	$127
Progressive	$1629	$274
Allstate	$2105	$354
Nationwide	$2165	$368

Rupert Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rupert WV. For example, the car insurance in Rupert after a DUI increases to $740 for a six month policy. While the rate increases by $182 for a six-month policy in the case of a speeding ticket.

Rupert auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$956	$159
One Med/PIP claim	$956	$163
One comp claim	$989	$165
Not-at-fault accident	$994	$169
Two Med/PIP claims	$1000	$166
Two comp claims	$1050	$179
Failure to wear a seat belt	$1071	$179
Failure to show documents	$1088	$185
Driving without lights	$1099	$183
Cell phone violation	$1133	$193
Texting while driving	$1133	$189
Speeding 6 - 10 MPH over limit	$1138	$193
Driving with expired registration	$1144	$191
Driving too slowly	$1149	$195
Failure to stop at a red light	$1149	$192
Following too closely	$1149	$195
Illegal turn	$1149	$192
Improper passing	$1149	$195
Speeding 11 - 15 MPH over limit	$1149	$192
Speeding in school zone	$1149	$195
Wrong way/wrong lane	$1149	$192
Failure to yield	$1154	$196
Speeding 16 - 20 MPH over limit	$1154	$193
In 65 MPH zone	$1160	$197
Speeding 21 - 25 MPH over limit	$1160	$193
Passing school bus	$1188	$202
Child safety restraint	$1193	$199
Operating a vehicle without permission	$1193	$203
At-fault accident - less than $1000	$1282	$214
Open container	$1293	$219
At-fault accident - $1000-$2000	$1392	$232
At-fault accident - greater than $2000	$1392	$237
Driving with a suspended license	$1530	$255
Reckless driving	$1591	$271
DUI	$1696	$283
Refusal to submit to a chemical test	$1696	$288
Racing	$1702	$284
Leaving scene of an accident/hit and run	$1707	$290

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Rupert 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 Rupert.

The cheapest car insurance premiums in Rupert are offered by Erie at $884 for a six-month policy. However, it can be as expensive as $2717 with companies like Nationwide.

Rupert car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$884	$149
USAA	$1028	$173
State Farm	$1056	$178
Progressive	$1221	$206
Westfield	$1293	$218
Allstate	$1862	$313
Nationwide	$2717	$453

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 Rupert are offered by Westfield at $498. However, it can be as expensive as $1734 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Rupert after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$498	$84
Erie	$530	$89
State Farm	$646	$109
USAA	$718	$120
Progressive	$1530	$260
Allstate	$1668	$278
Nationwide	$1734	$295

Car Insurance Price Trends in Rupert, West Virginia

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

The average cost of full coverage in the Rupert rose by $206 in January compared to $180 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 Rupert rose to $45 in January, compared to $43 in December. This represents an increase of $2 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Rupert?

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

What is the cheapest car insurance in Rupert?

The cheapest car insurance in Rupert is $119 per month for full coverage.

How much is car insurance in Rupert for teenagers?

Car insurance for teenagers costs $1056 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 Rupert?

The average cost of car insurance is $1052 for a six-month policy. It will cost around $165 per month to insure your car in Rupert.

Is car insurance expensive in Rupert?

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

Cheapest Car Insurance Quotes in Rupert

Why you can trust Way?

How Much Is Car Insurance in Rupert

Avg. Car Insurance in Rupert

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Rupert

1st place: USAA

2nd place: Erie

3rd place: Westfield

Rupert Car Insurance Rates by Company

Cheap Car Insurance Companies in Rupert, WV

Way's key takeaways about car insurance in Rupert

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rupert

Cheapest Liability Coverage in Rupert, WV

Cheapest Full Coverage Car Insurance in Rupert

Cheapest Full Coverage Car Insurance Quotes in Rupert, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rupert by Rating Factor

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

Car Insurance Premiums by Age in Rupert

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rupert,WV

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

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 Rupert

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

Rupert Car Insurance Rates by Violation

Rupert auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rupert after a DUI

Rupert car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rupert after Speeding ticket

Car Insurance Price Trends in Rupert, West Virginia

Average Car Insurance Cost in Rupert by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rupert, WV

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

Featured Blogs

Data Sources