Cheapest Car Insurance Quotes in Valley Bend

Finding the cheapest car insurance quotes in Valley Bend 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

Valley Bend Car Insurance

^$ 33

/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 Valley Bend

The car insurance rate in Valley Bend is $1084 for a six-month policy, which is $32 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $783, making it a popular choice for budget-conscious drivers. Rates in Valley Bend 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 Valley Bend

$1084

Avg. Car Insurance in West Virginia

$1052

National Average

$1278

Cheapest Car Insurance Companies in Valley Bend

1st place: USAA

At $783 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $863 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $899 for six months, making it the third cheapest auto insurance company in Valley Bend.

Valley Bend Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Valley Bend, WV is USAA, offering policies at just $783 for a six-month term. This is followed by Erie, which has an average six-month premium of $863.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1530 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Valley Bend drivers find the best deals.

Cheap Car Insurance Companies in Valley Bend, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$783	$132
Erie	$863	$145
Westfield	$899	$151
Encompass	$955	$163
Progressive	$1089	$183
State Farm	$1089	$183
Nationwide	$1463	$244
Allstate	$1530	$258

Key Takeaways

Way's key takeaways about car insurance in Valley Bend

The auto insurance costs in Valley Bend fall around $783 for six months.
The cheapest auto insurance company in Valley Bend is USAA.
Teen drivers pay the highest rate in Valley Bend at $969 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 Valley Bend

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 Valley Bend are given below.

USAA provides the cheapest minimum car insurance coverage in Valley Bend. Their Average 6 Month Premium is $196. Nationwide is the most expensive at $618 for the same period.

Cheapest Liability Coverage in Valley Bend, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$196	$33
Westfield	$196	$33
Erie	$208	$35
Encompass	$287	$48
State Farm	$294	$49
Allstate	$533	$91
Progressive	$539	$90
Nationwide	$618	$105

Cheapest Full Coverage Car Insurance in Valley Bend

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 Valley Bend is USAA at $132 per month and $783 for six months.

Cheapest Full Coverage Car Insurance Quotes in Valley Bend, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$783	$132
Erie	$863	$145
Westfield	$899	$151
Encompass	$955	$163
Progressive	$1089	$183
State Farm	$1089	$183
Nationwide	$1463	$244
Allstate	$1530	$258

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Valley Bend Instantly!

Average Car Insurance in Valley Bend 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 Valley Bend, WV increasing?

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

Car Insurance Premiums by Age in Valley Bend

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 Valley Bend,WV

If you are planning to get a car insurance policy for your teenage dependent, Erie provides the cheapest car insurance in the Valley Bend at $197 per month. At $5818 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1169	$197
Westfield	$1211	$204
USAA	$1388	$234
State Farm	$1873	$315
Progressive	$4044	$681
Allstate	$5261	$886
Nationwide	$5818	$969

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 Valley Bend, Westfield is the cheapest car insurance provider. At $777 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 Valley Bend is State Farm, offering rates of around $4436 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$777	$131
USAA	$1291	$215
Erie	$1902	$323
Nationwide	$2006	$335
Progressive	$2202	$375
Allstate	$2393	$399
State Farm	$4436	$754

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Valley Bend

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

Cheapest Car Insurance Companies after an At-Fault Accident in Valley Bend

The cheapest car insurance companies after an at-fault accident in Valley Bend include Encompass and Erie, offering $379 and $685, respectively. Nationwide is an expensive provider with an average six-month premium of $2398.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$379	$63
Erie	$685	$115
Westfield	$747	$126
USAA	$770	$130
State Farm	$838	$141
Progressive	$1805	$304
Allstate	$2331	$392
Nationwide	$2398	$408

Valley Bend Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Valley Bend WV. For example, the car insurance in Valley Bend after a DUI increases to $820 for a six month policy. While the rate increases by $202 for a six-month policy in the case of a speeding ticket.

Valley Bend auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1059	$176
One Med/PIP claim	$1059	$180
One comp claim	$1095	$182
Not-at-fault accident	$1101	$187
Two Med/PIP claims	$1107	$184
Two comp claims	$1163	$198
Failure to wear a seat belt	$1187	$198
Failure to show documents	$1205	$205
Driving without lights	$1217	$203
Cell phone violation	$1255	$213
Texting while driving	$1255	$209
Speeding 6 - 10 MPH over limit	$1261	$214
Driving with expired registration	$1267	$211
Driving too slowly	$1273	$216
Failure to stop at a red light	$1273	$212
Following too closely	$1273	$216
Illegal turn	$1273	$212
Improper passing	$1273	$216
Speeding 11 - 15 MPH over limit	$1273	$212
Speeding in school zone	$1273	$216
Wrong way/wrong lane	$1273	$212
Failure to yield	$1278	$217
Speeding 16 - 20 MPH over limit	$1278	$213
In 65 MPH zone	$1284	$218
Speeding 21 - 25 MPH over limit	$1284	$214
Passing school bus	$1315	$224
Child safety restraint	$1321	$220
Operating a vehicle without permission	$1321	$225
At-fault accident - less than $1000	$1419	$237
Open container	$1432	$243
At-fault accident - $1000-$2000	$1542	$256
At-fault accident - greater than $2000	$1542	$263
Driving with a suspended license	$1694	$282
Reckless driving	$1762	$300
DUI	$1879	$313
Refusal to submit to a chemical test	$1879	$319
Racing	$1885	$314
Leaving scene of an accident/hit and run	$1890	$321

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 Valley Bend 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 Valley Bend.

The cheapest car insurance premiums in Valley Bend are offered by Erie at $979 for a six-month policy. However, it can be as expensive as $3010 with companies like Nationwide.

Valley Bend car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$979	$165
USAA	$1138	$192
State Farm	$1169	$197
Progressive	$1352	$228
Westfield	$1432	$241
Allstate	$2062	$347
Nationwide	$3010	$502

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 Valley Bend are offered by Westfield at $551. However, it can be as expensive as $1921 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Valley Bend after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$551	$93
Erie	$587	$99
State Farm	$716	$121
USAA	$795	$133
Progressive	$1694	$288
Allstate	$1848	$308
Nationwide	$1921	$327

Car Insurance Price Trends in Valley Bend, West Virginia

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

The average cost of full coverage in the Valley Bend rose by $229 in January compared to $200 of December. In other words, there has been an increase by $29 when you compare January and December.

The average cost of liability insurance in the Valley Bend rose to $49 in January, compared to $47 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 Valley Bend?

The car insurance in Valley Bend is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Valley Bend?

The cheapest car insurance in Valley Bend is $132 per month for full coverage.

How much is car insurance in Valley Bend for teenagers?

Car insurance for teenagers costs $1169 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 Valley Bend?

The average cost of car insurance is $1052 for a six-month policy. It will cost around $182 per month to insure your car in Valley Bend.

Is car insurance expensive in Valley Bend?

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

Cheapest Car Insurance Quotes in Valley Bend

Why you can trust Way?

How Much Is Car Insurance in Valley Bend

Avg. Car Insurance in Valley Bend

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Valley Bend

1st place: USAA

2nd place: Erie

3rd place: Westfield

Valley Bend Car Insurance Rates by Company

Cheap Car Insurance Companies in Valley Bend, WV

Way's key takeaways about car insurance in Valley Bend

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Valley Bend

Cheapest Liability Coverage in Valley Bend, WV

Cheapest Full Coverage Car Insurance in Valley Bend

Cheapest Full Coverage Car Insurance Quotes in Valley Bend, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Valley Bend by Rating Factor

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

Car Insurance Premiums by Age in Valley Bend

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Valley Bend,WV

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

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 Valley Bend

Cheapest Car Insurance Companies after an At-Fault Accident in Valley Bend

Valley Bend Car Insurance Rates by Violation

Valley Bend auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Valley Bend after a DUI

Valley Bend car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Valley Bend after Speeding ticket

Car Insurance Price Trends in Valley Bend, West Virginia

Average Car Insurance Cost in Valley Bend by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Valley Bend, WV

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

Featured Blogs

Data Sources