Cheapest Car Insurance In Charleston, WV 2024
At $37 a month on average, GEICO 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.
GEICO leads in offering the cheapest liability-only coverage, while Progressive shines with competitive full coverage rates. Young drivers will find the best prices with State Farm.
Cheapest Car Insurance Companies In Charleston, WV 2024
Cheapest Liability-only Car Insurance In Charleston: Cincinnati
At $37 per month on average, GEICO 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 |
| Cincinnati Insurance | $30 | $360 |
| Travelers | $41 | $490 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Cheapest Full Coverage Insurance Rates In Charleston: Auto-Owners
For full coverage car insurance in Charleston, Progressive is the cheapest, with an average rate of $92 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 |
| Auto-Owners | $73 | $871 |
| Cincinnati | $80 | $962 |
| Nationwide | $74 | $884 |
| Shelter | $92 | $1,107 |
| Allstate | $124 | $1,490 |
Cheapest Car Insurance Rates For Seniors: Auto-Owners
With an average monthly rate of $87, 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 |
| Auto-Owners | $68 | $814 |
| State Farm | $86 | $1,036 |
| Allstate | $133 | $1,590 |
| Shelter | $95 | $1,135 |
| GEICO | $112 | $1,344 |
Cheapest Rates In Charleston For Teenagers: Nationwide
For teenage drivers in Charleston, State Farm provides the cheapest car insurance, with monthly premiums averaging $313.
The following table highlights the companies with the cheapest insurance premiums for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $155 | $1,865 |
| State Farm | $176 | $2,109 |
| Allstate | $167 | $2,007 |
| Travelers | $198 | $2,370 |
| Auto-Owners | $243 | $2,913 |
Cheapest Auto Insurance For Young Adults in Charleston: Travelers
State Farm offers the best rates for young adults in Charleston, with car insurance premiums averaging $238 a month.
The following table compares the most affordable auto insurance rates in Charleston for young adults.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $91 | $1,092 |
| State Farm | $119 | $1,422 |
| Nationwide | $99 | $1,192 |
| Auto-Owners | $100 | $1,197 |
| Allstate | $130 | $1,560 |
Cheapest Car Insurance In Charleston For Good Drivers: Cincinnati
Good drivers in Charleston can get the cheapest car insurance from GEICO, 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 |
| Cincinnati Insurance | $30 | $360 |
| Shelter | $48 | $576 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Find affordable Charleston rates
Cheapest Car Insurance In Charleston After A Speeding Ticket: Auto-Owners
State Farm offers competitive rates in Charleston, with an average monthly cost of $176 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 |
| Auto-Owners | $80 | $964 |
| State Farm | $107 | $1,280 |
| Cincinnati Insurance | $95 | $1,140 |
| Allstate | $148 | $1,772 |
| Progressive | $136 | $1,632 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
State Farm offers the most affordable car insurance for drivers with an at-fault accident, with an average monthly premium of $193.
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 |
| Auto-Owners | $99 | $1,197 |
| Cincinnati Insurance | $167 | $2,004 |
| State Farm | $116 | $1,391 |
| GEICO | $217 | $2,600 |
| Progressive | $124 | $1,490 |
Cheapest Rates In Charleston For Drivers After A DUI: State Farm
Drivers in Charleston who have a DUI on their record can find the cheapest rates with State Farm, averaging $188 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 |
| State Farm | $107 | $1,282 |
| Nationwide | $138 | $1,657 |
| Allstate | $166 | $1,992 |
| Auto-Owners | $171 | $2,051 |
| Cincinnati | $213 | $2,555 |
Best Car Insurance Companies In Charleston
Charleston drivers can find affordable insurance with AAA at $83 a month, or consider Progressive at $90 and GEICO at $93 per month.
Here are the top 10 car insurance companies in Charleston, WV, ranked by the average monthly premiums they offer.
| Company | Monthly Premium |
| Cincinnati Insurance | $30 |
| Kentucky Farm Bureau | $39 |
| Travelers | $41 |
| Auto-Owners | $37 |
| State Farm | $50 |
| Nationwide | $43 |
| Allstate | $76 |
| GEICO | $53 |
| Shelter | $50 |
| Westfield | $62 |
| Grange Insurance | $89 |
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 $7,599 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 | $4,080 |
| 20s | $2,100 |
| 30s | $1,704 |
| 40s | $1,500 |
| 50s | $1,370 |
| 60s | $1,440 |
| 70s | $1,632 |
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 |
| 40509 | $153 |
| 40511 | $130 |
| 40516 | $105 |
| 40504 | $124 |
| 40515 | $165 |
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 Los Angeles, the average car insurance premium is $243 per month, compared to $176 per month in San Diego.
| City | Average Monthly Rate |
| Athens | $114 |
| Matoaka | $71 |
| Beckley | $157 |
| Martinsburg | $133 |
| Bud | $140 |
| Lashmeet | $98 |
| Charleston | $150 |
| Huntington | $162 |
| Clarksburg | $173 |
| Fairmont | $125 |
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, GEICO offers the best rates, while Progressive 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 $180 a month, with premiums varying based on your zip code, the make and model of your car, and your driving history.
