We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Wharncliffe 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 Wharncliffe
The car insurance rate in Wharncliffe is $1147 for a six-month policy, which is $175 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $877, making it a popular choice for budget-conscious drivers. Rates in Wharncliffe 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 $877 for a six
month policy, USAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Erie
Erie offers auto
insurance rates at $961 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $989
for six months, making it
the third cheapest auto insurance company in Wharncliffe.
Wharncliffe Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Wharncliffe, WV is USAA, offering policies at just $877 for a six-month term. This is followed by Erie, which has an average six-month premium of $961.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1690 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wharncliffe drivers find the best deals.
Way's key takeaways about car insurance in Wharncliffe
The auto insurance costs in Wharncliffe fall around $877 for six
months.
The cheapest auto insurance company in Wharncliffe is USAA.
Teen drivers pay the highest rate in Wharncliffe at $970 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 Wharncliffe
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 Wharncliffe are given below.
USAA provides
the cheapest minimum car insurance
coverage in Wharncliffe. Their Average 6 Month Premium is $217.
Allstate is the most
expensive at $631 for the same
period.
Cheapest Full Coverage Car Insurance in Wharncliffe
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 Wharncliffe is USAA
at $148 per month and $877
for six months.
Cheapest Full Coverage Car Insurance Quotes in Wharncliffe,
WV
Get Your Car Insurance Quote in Wharncliffe
Instantly!
Average Car Insurance in Wharncliffe 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 Wharncliffe, WV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Wharncliffe, 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, Wharncliffe's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Wharncliffe
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
undefined
Cheapest Car Insurance Rates for Teen Drivers in
Wharncliffe,WV
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Wharncliffe at $210
per
month. At $5762 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 Wharncliffe.
As young drivers face the highest rates in Wharncliffe, 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 Wharncliffe,
Westfield is
the cheapest car insurance provider. At $763 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
Wharncliffe is State Farm, offering
rates of around $3736 for six
months.
Save up to $971/yr on car insurance rates in Wharncliffe.
Car Insurance Rates with An Accident in Wharncliffe
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 Wharncliffe, WV,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Wharncliffe
The cheapest car insurance companies after an at-fault accident in
Wharncliffe include Encompass
and Erie, offering $434
and $758,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2411.
Here is a list of driving violations that can increase your car
insurance rates in Wharncliffe WV. For example, the car
insurance in Wharncliffe
after a DUI increases to $939 for a six
month policy. While the rate increases by $231 for a six-month policy in the case of
a speeding ticket.
Wharncliffe auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1213
$202
One Med/PIP claim
$1213
$207
One comp claim
$1254
$209
Not-at-fault accident
$1261
$215
Two Med/PIP claims
$1269
$211
Two comp claims
$1332
$227
Failure to wear a seat belt
$1359
$227
Failure to show documents
$1381
$235
Driving without lights
$1395
$232
Cell phone violation
$1437
$244
Texting while driving
$1437
$240
Speeding 6 - 10 MPH over limit
$1444
$245
Driving with expired registration
$1451
$242
Driving too slowly
$1458
$248
Failure to stop at a red light
$1458
$243
Following too closely
$1458
$248
Illegal turn
$1458
$243
Improper passing
$1458
$248
Speeding 11 - 15 MPH over limit
$1458
$243
Speeding in school zone
$1458
$248
Wrong way/wrong lane
$1458
$243
Failure to yield
$1464
$249
Speeding 16 - 20 MPH over limit
$1464
$244
In 65 MPH zone
$1471
$250
Speeding 21 - 25 MPH over limit
$1471
$245
Passing school bus
$1507
$256
Child safety restraint
$1514
$253
Operating a vehicle without permission
$1514
$257
At-fault accident - less than $1000
$1626
$271
Open container
$1640
$278
At-fault accident - $1000-$2000
$1766
$294
At-fault accident - greater than $2000
$1766
$301
Driving with a suspended license
$1941
$323
Reckless driving
$2019
$343
DUI
$2152
$359
Refusal to submit to a chemical test
$2152
$366
Racing
$2159
$360
Leaving scene of an accident/hit and run
$2165
$368
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 Wharncliffe 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 Wharncliffe.
The cheapest car insurance premiums in
Wharncliffe are
offered by Erie at $1080 for a six-month policy.
However, it can be as
expensive as $2615 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 Wharncliffe are offered by Westfield
at $539. However,
it can be as expensive as $1690
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Wharncliffe after Speeding ticket
Car Insurance Price Trends in Wharncliffe,
West Virginia
Car insurance rates in Wharncliffe have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Wharncliffe remained steady at $229 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Wharncliffe rose to $54 in December,
compared to $53 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Wharncliffe by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Wharncliffe. At $2293 for a
six-month policy, insuring
your car at 25651 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Wharncliffe?
The car insurance in Wharncliffe is $37 per month, which is lower than the national average.
What is the cheapest car insurance in Wharncliffe?
The cheapest car insurance in Wharncliffe
is $148 per month
for full coverage.
How much is car insurance in Wharncliffe for teenagers?
Car insurance for teenagers costs $1247 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
Wharncliffe?
The average cost of car insurance is $972 for a six-month
policy. It will cost around $192 per month to insure your
car in Wharncliffe.
Is car insurance expensive in Wharncliffe?
Car insurance can be expensive in Wharncliffe if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Wharncliffe can be
affordable.
What is the best car insurance in Wharncliffe,
WV?
The best car insurance company in Wharncliffe
WV is
USAA, offering $877 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Wharncliffe right now.
Find Car Insurance Rates in Cities Near Wharncliffe, WV
Car Insurance Rates by State in the USA (2025 Update)
Wharncliffe Car Insurance
