Cheapest Car Insurance Quotes in West Liberty

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West Liberty 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 West Liberty

The car insurance rate in West Liberty is $957 for a six-month policy, which is $95 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $692, making it a popular choice for budget-conscious drivers. Rates in West Liberty 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 West Liberty

$957

Avg. Car Insurance in West Virginia

$1052

National Average

$1278

Cheapest Car Insurance Companies in West Liberty

1st place: USAA

At $692 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $763 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $794 for six months, making it the third cheapest auto insurance company in West Liberty.

West Liberty Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Liberty, WV is USAA, offering policies at just $692 for a six-month term. This is followed by Erie, which has an average six-month premium of $763.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1351 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Liberty drivers find the best deals.

Cheap Car Insurance Companies in West Liberty, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$692	$116
Erie	$763	$128
Westfield	$794	$134
Encompass	$844	$144
Progressive	$962	$162
State Farm	$962	$162
Nationwide	$1292	$216
Allstate	$1351	$228

Key Takeaways

Way's key takeaways about car insurance in West Liberty

The auto insurance costs in West Liberty fall around $692 for six months.
The cheapest auto insurance company in West Liberty is USAA.
Teen drivers pay the highest rate in West Liberty at $856 per month.

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Cheapest Minimum Liability Car Insurance in West Liberty

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 West Liberty are given below.

USAA provides the cheapest minimum car insurance coverage in West Liberty. Their Average 6 Month Premium is $173. Nationwide is the most expensive at $546 for the same period.

Cheapest Liability Coverage in West Liberty, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$173	$29
Westfield	$173	$29
Erie	$184	$31
Encompass	$254	$43
State Farm	$259	$44
Allstate	$470	$80
Progressive	$476	$79
Nationwide	$546	$93

Cheapest Full Coverage Car Insurance in West Liberty

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 West Liberty is USAA at $116 per month and $692 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Liberty, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$692	$116
Erie	$763	$128
Westfield	$794	$134
Encompass	$844	$144
Progressive	$962	$162
State Farm	$962	$162
Nationwide	$1292	$216
Allstate	$1351	$228

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Average Car Insurance in West Liberty 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 West Liberty, WV increasing?

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

Car Insurance Premiums by Age in West Liberty

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 West Liberty,WV

If you are planning to get a car insurance policy for your teenage dependent, Erie provides the cheapest car insurance in the West Liberty at $174 per month. At $5141 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1033	$174
Westfield	$1070	$180
USAA	$1227	$207
State Farm	$1654	$278
Progressive	$3573	$602
Allstate	$4648	$783
Nationwide	$5141	$856

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 West Liberty, Westfield is the cheapest car insurance provider. At $686 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 West Liberty is State Farm, offering rates of around $3919 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$686	$116
USAA	$1140	$190
Erie	$1681	$286
Nationwide	$1773	$296
Progressive	$1946	$331
Allstate	$2114	$352
State Farm	$3919	$666

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Car Insurance Rates with An Accident in West Liberty

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

Cheapest Car Insurance Companies after an At-Fault Accident in West Liberty

The cheapest car insurance companies after an at-fault accident in West Liberty include Encompass and Erie, offering $335 and $605, respectively. Nationwide is an expensive provider with an average six-month premium of $2118.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$335	$56
Erie	$605	$102
Westfield	$660	$111
USAA	$681	$115
State Farm	$741	$125
Progressive	$1594	$268
Allstate	$2059	$347
Nationwide	$2118	$360

West Liberty Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Liberty WV. For example, the car insurance in West Liberty after a DUI increases to $725 for a six month policy. While the rate increases by $179 for a six-month policy in the case of a speeding ticket.

West Liberty auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$935	$156
One Med/PIP claim	$935	$159
One comp claim	$967	$161
Not-at-fault accident	$973	$166
Two Med/PIP claims	$978	$163
Two comp claims	$1027	$175
Failure to wear a seat belt	$1048	$175
Failure to show documents	$1065	$181
Driving without lights	$1076	$179
Cell phone violation	$1108	$188
Texting while driving	$1108	$185
Speeding 6 - 10 MPH over limit	$1114	$189
Driving with expired registration	$1119	$187
Driving too slowly	$1125	$191
Failure to stop at a red light	$1125	$187
Following too closely	$1125	$191
Illegal turn	$1125	$187
Improper passing	$1125	$191
Speeding 11 - 15 MPH over limit	$1125	$187
Speeding in school zone	$1125	$191
Wrong way/wrong lane	$1125	$187
Failure to yield	$1129	$192
Speeding 16 - 20 MPH over limit	$1129	$188
In 65 MPH zone	$1135	$193
Speeding 21 - 25 MPH over limit	$1135	$189
Passing school bus	$1162	$197
Child safety restraint	$1168	$195
Operating a vehicle without permission	$1168	$198
At-fault accident - less than $1000	$1254	$209
Open container	$1265	$215
At-fault accident - $1000-$2000	$1362	$227
At-fault accident - greater than $2000	$1362	$232
Driving with a suspended license	$1497	$249
Reckless driving	$1557	$265
DUI	$1660	$277
Refusal to submit to a chemical test	$1660	$282
Racing	$1665	$278
Leaving scene of an accident/hit and run	$1670	$284

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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 West Liberty 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 West Liberty.

The cheapest car insurance premiums in West Liberty are offered by Erie at $865 for a six-month policy. However, it can be as expensive as $2659 with companies like Nationwide.

West Liberty car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$865	$146
USAA	$1006	$169
State Farm	$1033	$174
Progressive	$1195	$201
Westfield	$1265	$213
Allstate	$1822	$307
Nationwide	$2659	$443

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 West Liberty are offered by Westfield at $487. However, it can be as expensive as $1697 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in West Liberty after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$487	$82
Erie	$519	$87
State Farm	$632	$106
USAA	$703	$117
Progressive	$1497	$255
Allstate	$1633	$272
Nationwide	$1697	$288

Car Insurance Price Trends in West Liberty, West Virginia

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

The average cost of full coverage in the West Liberty rose by $202 in January compared to $177 of December. In other words, there has been an increase by $25 when you compare January and December.

The average cost of liability insurance in the West Liberty rose to $44 in January, compared to $42 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in West Liberty?

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

What is the cheapest car insurance in West Liberty?

The cheapest car insurance in West Liberty is $116 per month for full coverage.

How much is car insurance in West Liberty for teenagers?

Car insurance for teenagers costs $1033 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 West Liberty?

The average cost of car insurance is $1052 for a six-month policy. It will cost around $161 per month to insure your car in West Liberty.

Is car insurance expensive in West Liberty?

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

Cheapest Car Insurance Quotes in West Liberty

Why you can trust Way?

How Much Is Car Insurance in West Liberty

Avg. Car Insurance in West Liberty

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in West Liberty

1st place: USAA

2nd place: Erie

3rd place: Westfield

West Liberty Car Insurance Rates by Company

Cheap Car Insurance Companies in West Liberty, WV

Way's key takeaways about car insurance in West Liberty

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in West Liberty

Cheapest Liability Coverage in West Liberty, WV

Cheapest Full Coverage Car Insurance in West Liberty

Cheapest Full Coverage Car Insurance Quotes in West Liberty, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in West Liberty by Rating Factor

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

Car Insurance Premiums by Age in West Liberty

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in West Liberty,WV

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

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 West Liberty

Cheapest Car Insurance Companies after an At-Fault Accident in West Liberty

West Liberty Car Insurance Rates by Violation

West Liberty auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in West Liberty after a DUI

West Liberty car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in West Liberty after Speeding ticket

Car Insurance Price Trends in West Liberty, West Virginia

Average Car Insurance Cost in West Liberty by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near West Liberty, WV

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