Cheapest Car Insurance Quotes in West Union

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399,755 Policies Sold

West Union Car Insurance

^$ 31

/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 Union

The car insurance rate in West Union is $962 for a six-month policy, which is $10 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $736, making it a popular choice for budget-conscious drivers. Rates in West Union 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 Union

$962

Avg. Car Insurance in West Virginia

$972

National Average

$1140

Cheapest Car Insurance Companies in West Union

1st place: USAA

At $736 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $806 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $830 for six months, making it the third cheapest auto insurance company in West Union.

West Union Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Union, WV is USAA, offering policies at just $736 for a six-month term. This is followed by Erie, which has an average six-month premium of $806.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1418 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Union drivers find the best deals.

Cheap Car Insurance Companies in West Union, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$736	$124
Erie	$806	$136
Westfield	$830	$140
Encompass	$918	$156
State Farm	$918	$154
Progressive	$982	$165
Nationwide	$1094	$182
Allstate	$1418	$239

Key Takeaways

Way's key takeaways about car insurance in West Union

The auto insurance costs in West Union fall around $736 for six months.
The cheapest auto insurance company in West Union is USAA.
Teen drivers pay the highest rate in West Union at $814 per month.

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Cheapest Minimum Liability Car Insurance in West Union

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 Union are given below.

USAA provides the cheapest minimum car insurance coverage in West Union. Their Average 6 Month Premium is $182. Allstate is the most expensive at $530 for the same period.

Cheapest Liability Coverage in West Union, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$182	$31
Westfield	$182	$31
Erie	$200	$34
State Farm	$258	$44
Encompass	$276	$47
Nationwide	$482	$82
Progressive	$512	$85
Allstate	$530	$90

Cheapest Full Coverage Car Insurance in West Union

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 Union is USAA at $124 per month and $736 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Union, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$736	$124
Erie	$806	$136
Westfield	$830	$140
Encompass	$918	$156
State Farm	$918	$154
Progressive	$982	$165
Nationwide	$1094	$182
Allstate	$1418	$239

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Average Car Insurance in West Union 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 Union, WV increasing?

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

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 Union,WV

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the West Union at $176 per month. At $4834 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$1046	$176
Erie	$1064	$179
USAA	$1282	$216
State Farm	$1640	$276
Progressive	$3546	$597
Nationwide	$4228	$719
Allstate	$4834	$814

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 Union, Westfield is the cheapest car insurance provider. At $641 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 Union is State Farm, offering rates of around $3134 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$641	$108
USAA	$1106	$184
Progressive	$1482	$252
Nationwide	$1494	$248
Erie	$1540	$262
Allstate	$2117	$352
State Farm	$3134	$533

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Car Insurance Rates with An Accident in West Union

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

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

The cheapest car insurance companies after an at-fault accident in West Union include Encompass and Erie, offering $364 and $636, respectively. Allstate is an expensive provider with an average six-month premium of $2023.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$364	$60
Erie	$636	$107
Westfield	$676	$114
USAA	$718	$121
State Farm	$764	$129
Progressive	$1682	$283
Nationwide	$1758	$293
Allstate	$2023	$341

West Union Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Union WV. For example, the car insurance in West Union after a DUI increases to $788 for a six month policy. While the rate increases by $194 for a six-month policy in the case of a speeding ticket.

West Union auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1018	$169
One Med/PIP claim	$1018	$173
One comp claim	$1052	$175
Not-at-fault accident	$1058	$180
Two Med/PIP claims	$1064	$177
Two comp claims	$1118	$190
Failure to wear a seat belt	$1140	$190
Failure to show documents	$1158	$197
Driving without lights	$1170	$195
Cell phone violation	$1206	$205
Texting while driving	$1206	$201
Speeding 6 - 10 MPH over limit	$1212	$206
Driving with expired registration	$1218	$203
Driving too slowly	$1224	$208
Failure to stop at a red light	$1224	$204
Following too closely	$1224	$208
Illegal turn	$1224	$204
Improper passing	$1224	$208
Speeding 11 - 15 MPH over limit	$1224	$204
Speeding in school zone	$1224	$208
Wrong way/wrong lane	$1224	$204
Failure to yield	$1229	$209
Speeding 16 - 20 MPH over limit	$1229	$205
In 65 MPH zone	$1235	$210
Speeding 21 - 25 MPH over limit	$1235	$206
Passing school bus	$1264	$215
Child safety restraint	$1270	$212
Operating a vehicle without permission	$1270	$216
At-fault accident - less than $1000	$1364	$228
Open container	$1376	$234
At-fault accident - $1000-$2000	$1482	$247
At-fault accident - greater than $2000	$1482	$252
Driving with a suspended license	$1629	$271
Reckless driving	$1694	$288
DUI	$1806	$301
Refusal to submit to a chemical test	$1806	$307
Racing	$1812	$302
Leaving scene of an accident/hit and run	$1817	$309

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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 Union 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 Union.

The cheapest car insurance premiums in West Union are offered by Erie at $906 for a six-month policy. However, it can be as expensive as $2194 with companies like Nationwide.

West Union car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$906	$152
State Farm	$1024	$172
USAA	$1058	$178
Progressive	$1129	$190
Westfield	$1294	$218
Allstate	$1906	$321
Nationwide	$2194	$365

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 Union are offered by Westfield at $452. However, it can be as expensive as $1418 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in West Union after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$452	$76
Erie	$500	$84
State Farm	$546	$92
USAA	$676	$113
Progressive	$1124	$191
Allstate	$1406	$235
Nationwide	$1418	$241

Car Insurance Price Trends in West Union, West Virginia

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

The average cost of full coverage in the West Union remained steady at $192 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the West Union rose to $46 in December, compared to $45 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in West Union?

The car insurance in West Union is $31 per month, which is lower than the national average.

What is the cheapest car insurance in West Union?

The cheapest car insurance in West Union is $124 per month for full coverage.

How much is car insurance in West Union for teenagers?

Car insurance for teenagers costs $1046 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 Union?

The average cost of car insurance is $972 for a six-month policy. It will cost around $161 per month to insure your car in West Union.

Is car insurance expensive in West Union?

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

Cheapest Car Insurance Quotes in West Union

Why you can trust Way?

How Much Is Car Insurance in West Union

Avg. Car Insurance in West Union

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in West Union

1st place: USAA

2nd place: Erie

3rd place: Westfield

West Union Car Insurance Rates by Company

Cheap Car Insurance Companies in West Union, WV

Way's key takeaways about car insurance in West Union

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in West Union

Cheapest Liability Coverage in West Union, WV

Cheapest Full Coverage Car Insurance in West Union

Cheapest Full Coverage Car Insurance Quotes in West Union, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in West Union by Rating Factor

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

Car Insurance Premiums by Age in West Union

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Union

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

West Union Car Insurance Rates by Violation

West Union auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in West Union after a DUI

West Union car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in West Union after Speeding ticket

Car Insurance Price Trends in West Union, West Virginia

Average Car Insurance Cost in West Union by ZIP Code

Frequently Asked Questions

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