Cheapest Car Insurance In Martinsburg, WV 2025
State Farm takes the lead as Martinsburg’s most affordable provider of minimum car insurance coverage, with rates averaging $32 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Looking for the least expensive car insurance in Martinsburg, WV, reveals a variety of rate options.
State Farm emerges as the most affordable provider for liability-only coverage. For full coverage, Erie offers the best rates, and young drivers find GEICO the cheapest option.
Cheapest Car Insurance Companies In Martinsburg, WV 2025
Cheapest Car Insurance Rates For Seniors: Westfield
Seniors in Martinsburg can get the cheapest car insurance with Westfield, which averages $33 a month.
The table below offers a look at the average rates from inexpensive auto insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Westfield | $33 | $396 |
| State Farm | $44 | $528 |
| Erie | $41 | $492 |
| GEICO | $47 | $564 |
Cheapest Liability-only Car Insurance In Martinsburg: State Farm
In Martinsburg, State Farm is the top choice for affordable minimum coverage car insurance, with rates averaging $32 a month.
You can use the table below to see how rates compare across multiple insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $32 | $384 |
| Erie | $39 | $468 |
| Progressive | $67 | $804 |
| Nationwide | $71 | $852 |
| Allstate | $78 | $936 |
Cheapest Full Coverage Insurance Rates In Martinsburg: Erie
Erie stands out in Martinsburg for its low full coverage car insurance rates, averaging just $65 a month.
The table below lists the average auto insurance quotes from affordable companies in Martinsburg.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $65 | $780 |
| Progressive | $113 | $1,356 |
| Allstate | $134 | $1,608 |
| Nationwide | $120 | $1,440 |
| Direct Auto | $166 | $1,992 |
Cheapest Rates In Martinsburg For Teenagers: State Farm
State Farm has the most affordable car insurance for teenage drivers in Martinsburg, with rates averaging $155 monthly.
Below is a table that compares the most affordable insurance companies for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $155 | $1,860 |
| GEICO | $160 | $1,920 |
| Erie | $156 | $1,872 |
| Progressive | $185 | $2,220 |
| Allstate | $180 | $2,160 |
Cheapest Auto Insurance For Young Adults in Martinsburg: GEICO
Young adults in Martinsburg can get the most affordable insurance from GEICO, with average premiums of $52 per month.
Use the table below to explore the best auto insurance rates in Martinsburg for young adults.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $52 | $624 |
| State Farm | $56 | $672 |
| Erie | $59 | $708 |
| Westfield | $57 | $684 |
Cheapest Car Insurance In Martinsburg For Good Drivers: State Farm
For good drivers in Martinsburg, State Farm provides the cheapest rates, with an average of $32 per month.
If you’re a safe driver, the table below will help you find the most affordable insurance quotes.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $32 | $384 |
| Erie | $39 | $468 |
| Progressive | $67 | $804 |
| Nationwide | $71 | $852 |
| Allstate | $78 | $936 |
Find affordable Martinsburg rates
Cheapest Car Insurance In Martinsburg After A Speeding Ticket: State Farm
State Farm offers the most budget-friendly car insurance in Martinsburg for drivers with a speeding ticket, with average premiums of $44 per month.
The table below highlights the average rates for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $44 | $528 |
| Erie | $55 | $660 |
| Nationwide | $99 | $1,188 |
| Allstate | $109 | $1,308 |
| Progressive | $93 | $1,116 |
Cheapest For Drivers With After At-Fault Accident: Erie
Drivers with an at-fault incident can save the most with Erie, which offers average rates of $56 per month.
Below are the top car insurance companies offering affordable rates for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $56 | $672 |
| National General | $97 | $1,164 |
| Nationwide | $104 | $1,248 |
| GEICO | $83 | $996 |
| Progressive | $96 | $1,152 |
Cheapest Rates In Martinsburg For Drivers After A DUI: Erie
Martinsburg drivers with a DUI can save the most with Erie, which offers an average monthly premium of $65.
See the table below for a comparison of the cheapest insurance rates for Martinsburg drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $65 | $780 |
| Direct Auto | $130 | $1,560 |
| Nationwide | $121 | $1,452 |
| Allstate | $135 | $1,620 |
| Progressive | $115 | $1,380 |
How Much Is Car Insurance In Other Cities in West Virginia?
Car insurance premiums are higher in cities where accidents, thefts, and vandalism are more common. Your location significantly impacts the cost of your coverage.
For comparison, Los Angeles drivers pay an average of $243 monthly for car insurance, whereas those in San Diego pay about $176 per month.
| City | Average Monthly Rate |
| Nitro | $148 |
| Dunbar | $146 |
| South Charleston | $146 |
| Bluefield | $143 |
| Beckley | $149 |
| Huntington | $150 |
| Logan | $169 |
| Clarksburg | $144 |
| Keyser | $138 |
| Hurricane | $147 |
Best Car Insurance Companies In Martinsburg
Martinsburg drivers can get car insurance for as low as $32 a month with State Farm, while Erie charges $39 and Progressive costs $67 per month.
Below are the top 10 car insurance providers in Martinsburg, WV, ranked by their average monthly rates.
| Company | Monthly Premium |
| State Farm | $32 |
| Erie | $39 |
| Progressive | $67 |
| Nationwide | $71 |
| Allstate | $78 |
| USAA | $42 |
| National General | $69 |
| Direct Auto | $77 |
| Clearcover | $82 |
| Liberty Mutual | $120 |
| Foremost | $95 |
Average Auto Insurance Rates In Martinsburg – By Age
Car insurance rates are higher for younger drivers due to their lack of experience and higher risk of accidents or violations. Teenagers, in particular, often face premiums around $4,476 per year.
Drivers usually experience a drop in insurance premiums when they turn 25, assuming they have a good driving history.
Insurance companies usually offer lower premiums to drivers in their 50s and early 60s, as they are considered safer drivers with more experience.
| Age | Average Yearly Rate |
| Teenagers | $4,476 |
| 20s | $5,544 |
| 30s | $5,160 |
| 40s | $4,380 |
| 50s | $3,276 |
| 60s | $2,304 |
| 70s | $1,728 |
Average Rates In Martinsburg – By Vehicle
Car insurance companies assess the make, model, and year of your car to determine your rates. Luxury cars with advanced features and higher repair costs usually result in higher premiums.
See the table below for a comparison of average car insurance rates by vehicle type in Martinsburg.
| 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 Martinsburg – By Zip Code
The zip code you live in affects your car insurance rates, as it allows insurers to factor in crime rates and local risks.
The table below compares average car insurance rates across different zip codes in Martinsburg.
| Zip Code | Average Monthly Rate |
| 25405 | $116 |
| 25401 | $115 |
Find affordable Martinsburg rates
Our Methodology
I’ve compiled a detailed analysis of Martinsburg's car insurance market, taking into account customer service ratings, product offerings, pricing, and online review insights.
Researched Hours
Insurance Brands Reviewed
Product Types Examined
Years Of Industry
FAQs
Who has the lowest car insurance rates in Martinsburg?
The best rates for minimum car insurance coverage in Martinsburg are from State Farm, while Erie offers the lowest rates for full coverage with comprehensive and collision protection.
What is the average cost of car insurance in Martinsburg?
The average cost of car insurance in Martinsburg is about $110 each month, but this price can vary depending on your location, car model, and driving history.
