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Finding the cheapest car insurance quotes in Talcott 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.
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 Talcott
The car insurance rate in Talcott is $933 for a six-month policy, which is $39 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $713, making it a popular choice for budget-conscious drivers. Rates in Talcott 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.
At $713 for a six
month policy, USAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Erie
Erie offers auto
insurance rates at $781 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $804
for six months, making it
the third cheapest auto insurance company in Talcott.
Talcott Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Talcott, WV is USAA, offering policies at just $713 for a six-month term. This is followed by Erie, which has an average six-month premium of $781.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1375 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Talcott drivers find the best deals.
Way's key takeaways about car insurance in Talcott
The auto insurance costs in Talcott fall around $713 for six
months.
The cheapest auto insurance company in Talcott is USAA.
Teen drivers pay the highest rate in Talcott at $789 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 Talcott
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 Talcott are given below.
USAA provides
the cheapest minimum car insurance
coverage in Talcott. Their Average 6 Month Premium is $177.
Allstate is the most
expensive at $514 for the same
period.
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 Talcott is USAA
at $120 per month and $713
for six months.
Cheapest Full Coverage Car Insurance Quotes in Talcott,
WV
Get Your Car Insurance Quote in Talcott
Instantly!
Average Car Insurance in Talcott 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 Talcott, WV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Talcott, 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, Talcott's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Talcott
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Talcott,WV
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Talcott at $171
per
month. At $4688 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Talcott.
As young drivers face the highest rates in Talcott, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Talcott,
Westfield is
the cheapest car insurance provider. At $621 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
Talcott is State Farm, offering
rates of around $3039 for six
months.
Save up to $971/yr on car insurance rates in Talcott.
Car Insurance Rates with An Accident in Talcott
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 Talcott, WV,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Talcott
The cheapest car insurance companies after an at-fault accident in
Talcott include Encompass
and Erie, offering $353
and $616,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1961.
Here is a list of driving violations that can increase your car
insurance rates in Talcott WV. For example, the car
insurance in Talcott
after a DUI increases to $764 for a six
month policy. While the rate increases by $188 for a six-month policy in the case of
a speeding ticket.
Talcott auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$987
$164
One Med/PIP claim
$987
$168
One comp claim
$1020
$170
Not-at-fault accident
$1026
$175
Two Med/PIP claims
$1032
$172
Two comp claims
$1084
$184
Failure to wear a seat belt
$1106
$184
Failure to show documents
$1123
$191
Driving without lights
$1135
$189
Cell phone violation
$1169
$199
Texting while driving
$1169
$195
Speeding 6 - 10 MPH over limit
$1175
$200
Driving with expired registration
$1181
$197
Driving too slowly
$1187
$202
Failure to stop at a red light
$1187
$198
Following too closely
$1187
$202
Illegal turn
$1187
$198
Improper passing
$1187
$202
Speeding 11 - 15 MPH over limit
$1187
$198
Speeding in school zone
$1187
$202
Wrong way/wrong lane
$1187
$198
Failure to yield
$1191
$203
Speeding 16 - 20 MPH over limit
$1191
$199
In 65 MPH zone
$1197
$204
Speeding 21 - 25 MPH over limit
$1197
$200
Passing school bus
$1226
$208
Child safety restraint
$1232
$205
Operating a vehicle without permission
$1232
$209
At-fault accident - less than $1000
$1323
$221
Open container
$1334
$227
At-fault accident - $1000-$2000
$1437
$239
At-fault accident - greater than $2000
$1437
$245
Driving with a suspended license
$1579
$263
Reckless driving
$1643
$279
DUI
$1751
$292
Refusal to submit to a chemical test
$1751
$298
Racing
$1757
$293
Leaving scene of an accident/hit and run
$1762
$300
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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 Talcott 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 Talcott.
The cheapest car insurance premiums in
Talcott are
offered by Erie at $878 for a six-month policy.
However, it can be as
expensive as $2127 with companies
like Nationwide.
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 Talcott are offered by Westfield
at $439. However,
it can be as expensive as $1375
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Talcott after Speeding ticket
Car Insurance Price Trends in Talcott,
West Virginia
Car insurance rates in Talcott have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Talcott remained steady at $186 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Talcott rose to $44 in December,
compared to $43 in November.
This represents an increase of $1
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Talcott. At $1866 for a
six-month policy, insuring
your car at 24981 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Talcott?
The car insurance in Talcott is $30 per month, which is lower than the national average.
What is the cheapest car insurance in Talcott?
The cheapest car insurance in Talcott
is $120 per month
for full coverage.
How much is car insurance in Talcott for teenagers?
Car insurance for teenagers costs $1015 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
Talcott?
The average cost of car insurance is $972 for a six-month
policy. It will cost around $156 per month to insure your
car in Talcott.
Is car insurance expensive in Talcott?
Car insurance can be expensive in Talcott if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Talcott can be
affordable.
What is the best car insurance in Talcott,
WV?
The best car insurance company in Talcott
WV is
USAA, offering $713 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Talcott, WV
Car Insurance Rates by State in the USA (2025 Update)
Talcott Car Insurance
