Cheapest Car Insurance Quotes in West Milford

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West Milford Car Insurance

^$ 32

/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 Milford

The car insurance rate in West Milford is $1052 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $760, making it a popular choice for budget-conscious drivers. Rates in West Milford 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 Milford

$1052

Avg. Car Insurance in West Virginia

$1052

National Average

$1278

Cheapest Car Insurance Companies in West Milford

1st place: USAA

At $760 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $838 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $873 for six months, making it the third cheapest auto insurance company in West Milford.

West Milford Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Milford, WV is USAA, offering policies at just $760 for a six-month term. This is followed by Erie, which has an average six-month premium of $838.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1485 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Milford drivers find the best deals.

Cheap Car Insurance Companies in West Milford, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$760	$128
Erie	$838	$141
Westfield	$873	$147
Encompass	$927	$158
Progressive	$1057	$178
State Farm	$1057	$178
Nationwide	$1420	$237
Allstate	$1485	$250

Key Takeaways

Way's key takeaways about car insurance in West Milford

The auto insurance costs in West Milford fall around $760 for six months.
The cheapest auto insurance company in West Milford is USAA.
Teen drivers pay the highest rate in West Milford at $941 per month.

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Cheapest Minimum Liability Car Insurance in West Milford

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 Milford are given below.

USAA provides the cheapest minimum car insurance coverage in West Milford. Their Average 6 Month Premium is $190. Nationwide is the most expensive at $600 for the same period.

Cheapest Liability Coverage in West Milford, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$190	$32
Westfield	$190	$32
Erie	$202	$34
Encompass	$279	$47
State Farm	$285	$48
Allstate	$517	$88
Progressive	$523	$87
Nationwide	$600	$102

Cheapest Full Coverage Car Insurance in West Milford

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 Milford is USAA at $128 per month and $760 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Milford, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$760	$128
Erie	$838	$141
Westfield	$873	$147
Encompass	$927	$158
Progressive	$1057	$178
State Farm	$1057	$178
Nationwide	$1420	$237
Allstate	$1485	$250

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Average Car Insurance in West Milford 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 Milford, WV increasing?

Despite maintaining a clean driving record, your car insurance rates in West Milford, 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 Milford'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 Milford

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 Milford,WV

If you are planning to get a car insurance policy for your teenage dependent, Erie provides the cheapest car insurance in the West Milford at $191 per month. At $5649 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1135	$191
Westfield	$1176	$198
USAA	$1348	$227
State Farm	$1818	$306
Progressive	$3926	$661
Allstate	$5108	$860
Nationwide	$5649	$941

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 Milford, Westfield is the cheapest car insurance provider. At $754 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 Milford is State Farm, offering rates of around $4307 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$754	$127
USAA	$1253	$209
Erie	$1847	$314
Nationwide	$1948	$325
Progressive	$2138	$364
Allstate	$2323	$387
State Farm	$4307	$732

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Car Insurance Rates with An Accident in West Milford

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

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

The cheapest car insurance companies after an at-fault accident in West Milford include Encompass and Erie, offering $368 and $665, respectively. Nationwide is an expensive provider with an average six-month premium of $2328.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$368	$61
Erie	$665	$112
Westfield	$725	$122
USAA	$748	$126
State Farm	$814	$137
Progressive	$1752	$295
Allstate	$2263	$381
Nationwide	$2328	$396

West Milford Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Milford WV. For example, the car insurance in West Milford after a DUI increases to $796 for a six month policy. While the rate increases by $196 for a six-month policy in the case of a speeding ticket.

West Milford auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1028	$171
One Med/PIP claim	$1028	$175
One comp claim	$1063	$177
Not-at-fault accident	$1069	$182
Two Med/PIP claims	$1075	$179
Two comp claims	$1129	$192
Failure to wear a seat belt	$1152	$192
Failure to show documents	$1170	$199
Driving without lights	$1182	$197
Cell phone violation	$1218	$207
Texting while driving	$1218	$203
Speeding 6 - 10 MPH over limit	$1224	$208
Driving with expired registration	$1230	$205
Driving too slowly	$1236	$210
Failure to stop at a red light	$1236	$206
Following too closely	$1236	$210
Illegal turn	$1236	$206
Improper passing	$1236	$210
Speeding 11 - 15 MPH over limit	$1236	$206
Speeding in school zone	$1236	$210
Wrong way/wrong lane	$1236	$206
Failure to yield	$1241	$211
Speeding 16 - 20 MPH over limit	$1241	$207
In 65 MPH zone	$1247	$212
Speeding 21 - 25 MPH over limit	$1247	$208
Passing school bus	$1277	$217
Child safety restraint	$1283	$214
Operating a vehicle without permission	$1283	$218
At-fault accident - less than $1000	$1378	$230
Open container	$1390	$236
At-fault accident - $1000-$2000	$1497	$249
At-fault accident - greater than $2000	$1497	$255
Driving with a suspended license	$1645	$274
Reckless driving	$1711	$291
DUI	$1824	$304
Refusal to submit to a chemical test	$1824	$310
Racing	$1830	$305
Leaving scene of an accident/hit and run	$1835	$312

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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 Milford 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 Milford.

The cheapest car insurance premiums in West Milford are offered by Erie at $950 for a six-month policy. However, it can be as expensive as $2922 with companies like Nationwide.

West Milford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$950	$160
USAA	$1105	$186
State Farm	$1135	$191
Progressive	$1313	$221
Westfield	$1390	$234
Allstate	$2002	$337
Nationwide	$2922	$487

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 Milford are offered by Westfield at $535. However, it can be as expensive as $1865 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in West Milford after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$535	$90
Erie	$570	$96
State Farm	$695	$117
USAA	$772	$129
Progressive	$1645	$280
Allstate	$1794	$299
Nationwide	$1865	$317

Car Insurance Price Trends in West Milford, West Virginia

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

The average cost of full coverage in the West Milford rose by $222 in January compared to $194 of December. In other words, there has been an increase by $28 when you compare January and December.

The average cost of liability insurance in the West Milford rose to $48 in January, compared to $46 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 Milford?

The car insurance in West Milford is $32 per month, which is lower than the national average.

What is the cheapest car insurance in West Milford?

The cheapest car insurance in West Milford is $128 per month for full coverage.

How much is car insurance in West Milford for teenagers?

Car insurance for teenagers costs $1135 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 Milford?

The average cost of car insurance is $1052 for a six-month policy. It will cost around $177 per month to insure your car in West Milford.

Is car insurance expensive in West Milford?

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

Cheapest Car Insurance Quotes in West Milford

Why you can trust Way?

How Much Is Car Insurance in West Milford

Avg. Car Insurance in West Milford

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in West Milford

1st place: USAA

2nd place: Erie

3rd place: Westfield

West Milford Car Insurance Rates by Company

Cheap Car Insurance Companies in West Milford, WV

Way's key takeaways about car insurance in West Milford

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in West Milford

Cheapest Liability Coverage in West Milford, WV

Cheapest Full Coverage Car Insurance in West Milford

Cheapest Full Coverage Car Insurance Quotes in West Milford, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in West Milford by Rating Factor

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

Car Insurance Premiums by Age in West Milford

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Milford

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

West Milford Car Insurance Rates by Violation

West Milford auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in West Milford after a DUI

West Milford car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in West Milford after Speeding ticket

Car Insurance Price Trends in West Milford, West Virginia

Average Car Insurance Cost in West Milford by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near West Milford, WV

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

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