Cheapest Car Insurance In Charleston, WV 2025
At $37 a month on average, State Farm is the cheapest choice for minimum coverage car insurance in Charleston.
We’ve saved shoppers an average of $600 per year on their car insurance.
Exploring car insurance options in Charleston, WV, shows that the cheapest rates can vary quite a bit.
State Farm leads in offering the cheapest liability-only coverage, while Erie shines with competitive full coverage rates. Young drivers will find the best prices with GEICO.
Cheapest Car Insurance Companies In Charleston, WV 2025
Cheapest Full Coverage Insurance Rates In Charleston: Erie
For full coverage car insurance in Charleston, Erie is the cheapest, with an average rate of $74 a month.
The table below provides a breakdown of average car insurance quotes from cost-effective companies in Charleston.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $74 | $888 |
| Allstate | $152 | $1,824 |
| Nationwide | $137 | $1,644 |
| Progressive | $128 | $1,536 |
| Liberty Mutual | $230 | $2,760 |
Cheapest Liability-only Car Insurance In Charleston: State Farm
At $37 per month on average, State Farm’s is the most budget-friendly choice for minimum car insurance coverage in Charleston.
The table below shows a comparison of insurance rates from several providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $37 | $444 |
| Erie | $43 | $516 |
| Progressive | $75 | $900 |
| Allstate | $90 | $1,080 |
| Nationwide | $80 | $960 |
Cheapest Car Insurance Rates For Seniors: State Farm
With an average monthly rate of $47, State Farm provides the cheapest car insurance for seniors in Charleston.
The following table lists the average quotes from budget-friendly auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $47 | $564 |
| USAA | $57 | $684 |
| Progressive | $90 | $1,080 |
| Allstate | $120 | $1,440 |
| Liberty Mutual | $183 | $2,196 |
Cheapest Auto Insurance For Young Adults in Charleston: GEICO
GEICO offers the best rates for young adults in Charleston, with car insurance premiums averaging $52 a month.
The following table compares the most affordable auto insurance rates in Charleston for young adults.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $52 | $624 |
| State Farm | $119 | $1,428 |
| Westfield | $99 | $1,188 |
| Erie | $100 | $1,200 |
| Allstate | $130 | $1,560 |
Cheapest Car Insurance In Charleston For Good Drivers: State Farm
Good drivers in Charleston can get the cheapest car insurance from State Farm, with an average cost of $37 per month.
The table below shows average quotes from affordable insurance companies for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $90 | $1,080 |
| Nationwide | $80 | $960 |
| State Farm | $37 | $444 |
| Erie | $43 | $516 |
| Progressive | $75 | $900 |
Cheapest Rates In Charleston For Teenagers: State Farm
For teenage drivers in Charleston, State Farm provides the cheapest car insurance, with monthly premiums averaging $116.
The following table highlights the companies with the cheapest insurance premiums for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $116 | $1,392 |
| Erie | $135 | $1,620 |
| Progressive | $244 | $2,928 |
| Allstate | $296 | $3,552 |
| Nationwide | $264 | $3,168 |
Find affordable Charleston rates
Cheapest For Drivers With After At-Fault Accident: Erie
Erie offers the most affordable car insurance for drivers with an at-fault accident, with an average monthly premium of $64.
The following car insurance companies offer the best rates for drivers with an at-fault incident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $64 | $768 |
| Progressive | $75 | $900 |
| Nationwide | $81 | $972 |
| Allstate | $90 | $1,080 |
| Foremost | $108 | $1,296 |
Cheapest Rates In Charleston For Drivers After A DUI: Erie
Drivers in Charleston who have a DUI on their record can find the cheapest rates with Erie, averaging $76 a month.
The following table displays the lowest car insurance premiums for drivers in Charleston with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $76 | $912 |
| Nationwide | $80 | $960 |
| Allstate | $90 | $1,080 |
| Dairyland | $102 | $1,224 |
| Foremost | $107 | $1,284 |
Cheapest Car Insurance In Charleston After A Speeding Ticket: Erie
Erie offers competitive rates in Charleston, with an average monthly cost of $62 for drivers who have a speeding ticket.
The following table shows the average insurance rates for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $62 | $744 |
| Progressive | $107 | $1,284 |
| Nationwide | $95 | $1,140 |
| Allstate | $148 | $1,776 |
| Dairyland | $136 | $1,632 |
Best Car Insurance Companies In Charleston
Charleston drivers can find affordable insurance with State Farm at $37 a month, or consider Erie at $43 and Progressive at $75 per month.
Here are the top 10 car insurance companies in Charleston, WV, ranked by the average monthly premiums they offer.
| Company | Monthly Premium |
| Allstate | $90 |
| Nationwide | $80 |
| State Farm | $37 |
| Erie | $43 |
| Progressive | $75 |
| USAA | $43 |
| GEICO | $65 |
| National General | $79 |
| Root | $86 |
| Direct Auto | $86 |
| ClearCover | $92 |
Average Rates In Charleston – By Vehicle
The vehicle you own is a key factor in determining your car insurance premiums. Newer cars, particularly luxury models with expensive features and higher repair costs, tend to have higher rates.
Below is a table with the average insurance premiums for different types of vehicles in Charleston.
| Vehicle | Average Monthly Rate |
| Hyundai Sonata | $970 |
| Audi A3 | $129 |
| Toyota Prius | $192 |
| Chevrolet Equinox | $360 |
| Kia Optima | $460 |
Average Cost Of Auto Insurance In Charleston – By Zip Code
Zip codes are used by insurers to gauge crime rates in your neighborhood, which can cause car insurance rates to differ from one area to another.
Below is a table with the average insurance rates for different Charleston zip codes.
| Zip Code | Average Monthly Rate |
| 25306 | $169 |
| 25387 | $136 |
| 25320 | $127 |
| 25311 | $165 |
| 25315 | $177 |
Average Auto Insurance Rates In Charleston – By Age
One of the main factors in car insurance costs is age. Young drivers tend to have higher premiums due to their inexperience and greater risk of being involved in accidents or getting traffic tickets. Teenagers can expect to pay about $2,532 annually.
At age 25, many drivers see a reduction in their insurance premiums, assuming they maintain a spotless driving record.
Drivers in their 50s and early 60s usually benefit from the lowest insurance premiums, as their experience and lower risk result in favorable rates.
| Age | Average Yearly Rate |
| Teenagers | $2,532 |
| 20s | $2,616 |
| 30s | $1,704 |
| 40s | $1,608 |
| 50s | $1,580 |
| 60s | $1,296 |
| 70s | $1,620 |
How Much Is Car Insurance In Other Cities in West Virginia?
Car insurance companies consider your city’s accident, theft, and vandalism rates when calculating premiums. Urban areas, with higher risks, often have higher insurance rates.
For example, in Logan, the average car insurance premium is $169 per month, compared to $138 per month in Keyser.
| City | Average Monthly Rate |
| Nitro | $148 |
| Dunbar | $146 |
| Buckhannon | $160 |
| Bluefield | $143 |
| Beckley | $149 |
| Huntington | $150 |
| Logan | $169 |
| Clarksburg | $144 |
| Keyser | $138 |
| Hurricane | $147 |
Find affordable Charleston rates
Our Methodology
Using a detailed assessment that considers factors like pricing, customer service, product choices, and insights from online reviews, I’ve created an in-depth look at the car insurance market in Charleston, WV.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Charleston?
For minimum coverage in Charleston, State Farm offers the best rates, while Erie provides the most competitive pricing for full coverage, which includes comprehensive and collision insurance.
What is the average cost of car insurance in Charleston?
Car insurance in Charleston usually averages $150 a month, with premiums varying based on your zip code, the make and model of your car, and your driving history.
