Cheapest Car Insurance Quotes in Williamson

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Williamson Car Insurance

^$ 37

/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 Williamson

The car insurance rate in Williamson is $1157 for a six-month policy, which is $185 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $884, making it a popular choice for budget-conscious drivers. Rates in Williamson 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 Williamson

$1157

Avg. Car Insurance in West Virginia

$972

National Average

$1140

Cheapest Car Insurance Companies in Williamson

1st place: USAA

At $884 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $969 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $997 for six months, making it the third cheapest auto insurance company in Williamson.

Williamson Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Williamson, WV is USAA, offering policies at just $884 for a six-month term. This is followed by Erie, which has an average six-month premium of $969.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1704 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Williamson drivers find the best deals.

Cheap Car Insurance Companies in Williamson, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$884	$149
Erie	$969	$163
Westfield	$997	$168
Encompass	$1103	$188
State Farm	$1103	$186
Progressive	$1180	$199
Nationwide	$1315	$219
Allstate	$1704	$287

Key Takeaways

Way's key takeaways about car insurance in Williamson

The auto insurance costs in Williamson fall around $884 for six months.
The cheapest auto insurance company in Williamson is USAA.
Teen drivers pay the highest rate in Williamson at $978 per month.

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Cheapest Minimum Liability Car Insurance in Williamson

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 Williamson are given below.

USAA provides the cheapest minimum car insurance coverage in Williamson. Their Average 6 Month Premium is $219. Allstate is the most expensive at $637 for the same period.

Cheapest Liability Coverage in Williamson, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$219	$37
Westfield	$219	$37
Erie	$240	$40
State Farm	$311	$52
Encompass	$332	$56
Nationwide	$580	$99
Progressive	$615	$102
Allstate	$637	$108

Cheapest Full Coverage Car Insurance in Williamson

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 Williamson is USAA at $149 per month and $884 for six months.

Cheapest Full Coverage Car Insurance Quotes in Williamson, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$884	$149
Erie	$969	$163
Westfield	$997	$168
Encompass	$1103	$188
State Farm	$1103	$186
Progressive	$1180	$199
Nationwide	$1315	$219
Allstate	$1704	$287

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Average Car Insurance in Williamson 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 Williamson, WV increasing?

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

Car Insurance Premiums by Age in Williamson

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 Williamson,WV

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Williamson at $212 per month. At $5811 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$1258	$212
Erie	$1279	$215
USAA	$1541	$259
State Farm	$1972	$332
Progressive	$4263	$718
Nationwide	$5082	$864
Allstate	$5811	$978

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 Williamson, Westfield is the cheapest car insurance provider. At $770 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 Williamson is State Farm, offering rates of around $3768 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$770	$130
USAA	$1329	$221
Progressive	$1781	$303
Nationwide	$1796	$299
Erie	$1852	$315
Allstate	$2544	$424
State Farm	$3768	$640

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Car Insurance Rates with An Accident in Williamson

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

Cheapest Car Insurance Companies after an At-Fault Accident in Williamson

The cheapest car insurance companies after an at-fault accident in Williamson include Encompass and Erie, offering $438 and $764, respectively. Allstate is an expensive provider with an average six-month premium of $2431.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$438	$73
Erie	$764	$129
Westfield	$813	$137
USAA	$863	$145
State Farm	$919	$155
Progressive	$2022	$340
Nationwide	$2113	$352
Allstate	$2431	$409

Williamson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Williamson WV. For example, the car insurance in Williamson after a DUI increases to $948 for a six month policy. While the rate increases by $234 for a six-month policy in the case of a speeding ticket.

Williamson auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1223	$203
One Med/PIP claim	$1223	$208
One comp claim	$1265	$211
Not-at-fault accident	$1272	$217
Two Med/PIP claims	$1279	$213
Two comp claims	$1344	$228
Failure to wear a seat belt	$1371	$228
Failure to show documents	$1392	$237
Driving without lights	$1407	$234
Cell phone violation	$1449	$246
Texting while driving	$1449	$242
Speeding 6 - 10 MPH over limit	$1457	$248
Driving with expired registration	$1464	$244
Driving too slowly	$1471	$250
Failure to stop at a red light	$1471	$245
Following too closely	$1471	$250
Illegal turn	$1471	$245
Improper passing	$1471	$250
Speeding 11 - 15 MPH over limit	$1471	$245
Speeding in school zone	$1471	$250
Wrong way/wrong lane	$1471	$245
Failure to yield	$1477	$251
Speeding 16 - 20 MPH over limit	$1477	$246
In 65 MPH zone	$1484	$252
Speeding 21 - 25 MPH over limit	$1484	$248
Passing school bus	$1520	$258
Child safety restraint	$1527	$255
Operating a vehicle without permission	$1527	$259
At-fault accident - less than $1000	$1640	$274
Open container	$1654	$281
At-fault accident - $1000-$2000	$1781	$296
At-fault accident - greater than $2000	$1781	$303
Driving with a suspended license	$1958	$326
Reckless driving	$2036	$346
DUI	$2171	$362
Refusal to submit to a chemical test	$2171	$369
Racing	$2178	$363
Leaving scene of an accident/hit and run	$2184	$371

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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 Williamson 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 Williamson.

The cheapest car insurance premiums in Williamson are offered by Erie at $1089 for a six-month policy. However, it can be as expensive as $2637 with companies like Nationwide.

Williamson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1089	$183
State Farm	$1230	$207
USAA	$1272	$214
Progressive	$1357	$228
Westfield	$1555	$262
Allstate	$2291	$386
Nationwide	$2637	$439

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 Williamson are offered by Westfield at $544. However, it can be as expensive as $1704 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Williamson after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$544	$92
Erie	$601	$101
State Farm	$657	$111
USAA	$813	$136
Progressive	$1351	$230
Allstate	$1690	$282
Nationwide	$1704	$289

Car Insurance Price Trends in Williamson, West Virginia

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

The average cost of full coverage in the Williamson remained steady at $231 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Williamson rose to $55 in December, compared to $54 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 Williamson?

The car insurance in Williamson is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Williamson?

The cheapest car insurance in Williamson is $149 per month for full coverage.

How much is car insurance in Williamson for teenagers?

Car insurance for teenagers costs $1258 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 Williamson?

The average cost of car insurance is $972 for a six-month policy. It will cost around $194 per month to insure your car in Williamson.

Is car insurance expensive in Williamson?

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

Cheapest Car Insurance Quotes in Williamson

Why you can trust Way?

How Much Is Car Insurance in Williamson

Avg. Car Insurance in Williamson

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Williamson

1st place: USAA

2nd place: Erie

3rd place: Westfield

Williamson Car Insurance Rates by Company

Cheap Car Insurance Companies in Williamson, WV

Way's key takeaways about car insurance in Williamson

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Williamson

Cheapest Liability Coverage in Williamson, WV

Cheapest Full Coverage Car Insurance in Williamson

Cheapest Full Coverage Car Insurance Quotes in Williamson, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Williamson by Rating Factor

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

Car Insurance Premiums by Age in Williamson

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Williamson,WV

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

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 Williamson

Cheapest Car Insurance Companies after an At-Fault Accident in Williamson

Williamson Car Insurance Rates by Violation

Williamson auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Williamson after a DUI

Williamson car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Williamson after Speeding ticket

Car Insurance Price Trends in Williamson, West Virginia

Average Car Insurance Cost in Williamson by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Williamson, WV

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

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