Cheapest Car Insurance Quotes in Windsor Heights

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Windsor Heights Car Insurance

^$ 28

/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 Windsor Heights

The car insurance rate in Windsor Heights is $885 for a six-month policy, which is $87 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $676, making it a popular choice for budget-conscious drivers. Rates in Windsor Heights 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 Windsor Heights

$885

Avg. Car Insurance in West Virginia

$972

National Average

$1140

Cheapest Car Insurance Companies in Windsor Heights

1st place: USAA

At $676 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $741 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $763 for six months, making it the third cheapest auto insurance company in Windsor Heights.

Windsor Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Windsor Heights, WV is USAA, offering policies at just $676 for a six-month term. This is followed by Erie, which has an average six-month premium of $741.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1303 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Windsor Heights drivers find the best deals.

Cheap Car Insurance Companies in Windsor Heights, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$676	$114
Erie	$741	$125
Westfield	$763	$128
Encompass	$844	$144
State Farm	$844	$142
Progressive	$903	$152
Nationwide	$1006	$167
Allstate	$1303	$219

Key Takeaways

Way's key takeaways about car insurance in Windsor Heights

The auto insurance costs in Windsor Heights fall around $676 for six months.
The cheapest auto insurance company in Windsor Heights is USAA.
Teen drivers pay the highest rate in Windsor Heights at $748 per month.

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Cheapest Minimum Liability Car Insurance in Windsor Heights

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 Windsor Heights are given below.

USAA provides the cheapest minimum car insurance coverage in Windsor Heights. Their Average 6 Month Premium is $167. Allstate is the most expensive at $487 for the same period.

Cheapest Liability Coverage in Windsor Heights, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$167	$28
Westfield	$167	$28
Erie	$184	$31
State Farm	$238	$40
Encompass	$254	$43
Nationwide	$443	$76
Progressive	$470	$78
Allstate	$487	$83

Cheapest Full Coverage Car Insurance in Windsor Heights

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 Windsor Heights is USAA at $114 per month and $676 for six months.

Cheapest Full Coverage Car Insurance Quotes in Windsor Heights, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$676	$114
Erie	$741	$125
Westfield	$763	$128
Encompass	$844	$144
State Farm	$844	$142
Progressive	$903	$152
Nationwide	$1006	$167
Allstate	$1303	$219

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Average Car Insurance in Windsor Heights 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 Windsor Heights, WV increasing?

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

Car Insurance Premiums by Age in Windsor Heights

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 Windsor Heights,WV

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Windsor Heights at $162 per month. At $4444 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$962	$162
Erie	$978	$165
USAA	$1178	$198
State Farm	$1508	$254
Progressive	$3260	$549
Nationwide	$3887	$661
Allstate	$4444	$748

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 Windsor Heights, Westfield is the cheapest car insurance provider. At $589 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 Windsor Heights is State Farm, offering rates of around $2881 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$589	$99
USAA	$1016	$169
Progressive	$1362	$232
Nationwide	$1373	$228
Erie	$1416	$241
Allstate	$1946	$324
State Farm	$2881	$490

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Car Insurance Rates with An Accident in Windsor Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Windsor Heights

The cheapest car insurance companies after an at-fault accident in Windsor Heights include Encompass and Erie, offering $335 and $584, respectively. Allstate is an expensive provider with an average six-month premium of $1859.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$335	$56
Erie	$584	$98
Westfield	$622	$105
USAA	$660	$111
State Farm	$703	$118
Progressive	$1546	$260
Nationwide	$1616	$269
Allstate	$1859	$313

Windsor Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Windsor Heights WV. For example, the car insurance in Windsor Heights 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.

Windsor Heights 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 Windsor Heights 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 Windsor Heights.

The cheapest car insurance premiums in Windsor Heights are offered by Erie at $833 for a six-month policy. However, it can be as expensive as $2017 with companies like Nationwide.

Windsor Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$833	$140
State Farm	$941	$158
USAA	$973	$164
Progressive	$1037	$175
Westfield	$1189	$200
Allstate	$1752	$295
Nationwide	$2017	$336

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 Windsor Heights are offered by Westfield at $416. However, it can be as expensive as $1303 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Windsor Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$416	$70
Erie	$460	$77
State Farm	$502	$85
USAA	$622	$104
Progressive	$1033	$176
Allstate	$1292	$216
Nationwide	$1303	$221

Car Insurance Price Trends in Windsor Heights, West Virginia

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

The average cost of full coverage in the Windsor Heights remained steady at $177 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Windsor Heights rose to $42 in December, compared to $41 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 Windsor Heights?

The car insurance in Windsor Heights is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Windsor Heights?

The cheapest car insurance in Windsor Heights is $114 per month for full coverage.

How much is car insurance in Windsor Heights for teenagers?

Car insurance for teenagers costs $962 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 Windsor Heights?

The average cost of car insurance is $972 for a six-month policy. It will cost around $148 per month to insure your car in Windsor Heights.

Is car insurance expensive in Windsor Heights?

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

Cheapest Car Insurance Quotes in Windsor Heights

Why you can trust Way?

How Much Is Car Insurance in Windsor Heights

Avg. Car Insurance in Windsor Heights

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Windsor Heights

1st place: USAA

2nd place: Erie

3rd place: Westfield

Windsor Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Windsor Heights, WV

Way's key takeaways about car insurance in Windsor Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Windsor Heights

Cheapest Liability Coverage in Windsor Heights, WV

Cheapest Full Coverage Car Insurance in Windsor Heights

Cheapest Full Coverage Car Insurance Quotes in Windsor Heights, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Windsor Heights by Rating Factor

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

Car Insurance Premiums by Age in Windsor Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Windsor Heights,WV

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

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 Windsor Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Windsor Heights

Windsor Heights Car Insurance Rates by Violation

Windsor Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Windsor Heights after a DUI

Windsor Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Windsor Heights after Speeding ticket

Car Insurance Price Trends in Windsor Heights, West Virginia

Average Car Insurance Cost in Windsor Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

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