Cheapest Car Insurance In Summersville, WV 2024
Erie is the most affordable choice in Summersville, offering minimum coverage at an average rate of $35 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for the cheapest car insurance in Summersville, WV, you’ll find a wide range of options. Erie is the top pick for those looking for the lowest liability-only coverage. For drivers needing more comprehensive protection, State Farm provides the best rates for full coverage policies. Additionally, Erie offers the cheapest rates for young drivers.
Cheapest Car Insurance Companies In Summersville, WV 2024
Cheapest Full Coverage Car Insurance In Summersville: State Farm
State Farm offers the lowest rates for full coverage car insurance in Summersville, with average quotes of $110 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Geico | $170 | $2,040 |
| Westfield | $120 | $1,440 |
| State Farm | $110 | $1,320 |
| Erie | $115 | $1,380 |
| Progressive | $160 | $1,920 |
Full coverage car insurance offers extensive protection that surpasses the basic coverage required by law. It usually combines comprehensive and collision coverages. Comprehensive coverage protects against non-collision incidents such as theft, vandalism, and natural disasters. Collision coverage provides financial protection for vehicle damages from accidents, regardless of who is at fault.
Cheapest Minimum Coverage Car Insurance In Summersville: Erie
Erie offers the most affordable car insurance for minimum coverage in Summersville, with an average monthly cost of $35.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $40 | $480 |
| Allstate | $80 | $960 |
| Nationwide | $65 | $780 |
| Erie | $35 | $420 |
| Westfield | $45 | $540 |
Having minimum car insurance offers basic protection while you’re on the road, but it doesn’t include collision or comprehensive coverage. This means that damages to your vehicle from accidents, theft, or natural disasters won’t be covered.
Cheapest Car Insurance Companies In Summersville For Drivers With Prior Incidents
In Summersville, drivers with traffic violations such as accidents, speeding, or DUIs often struggle to find affordable car insurance. These infractions cause insurance companies to classify them as high-risk, anticipating a higher likelihood of future claims. Consequently, insurers increase rates for these individuals to mitigate the potential cost of higher claim payouts.
Cheapest Car Insurance In Summersville After A Speeding Ticket: State Farm
State Farm is notably affordable compared to other companies, offering average rates of $115 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $120 | $1,440 |
| Progressive | $210 | $2,520 |
| Geico | $200 | $2,040 |
| State Farm | $115 | $1,380 |
| Westfield | $130 | $1,560 |
Cheapest Car Insurance In Summersville After At-Fault Accident: State Farm
State Farm provides the most competitive car insurance quotes for drivers with an at-fault incident, averaging around $125 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Westfield | $180 | $2,160 |
| Geico | $259 | $3,218 |
| State Farm | $125 | $1,500 |
| Progressive | $250 | $3,000 |
| Erie | $130 | $1,560 |
Cheapest Car Insurance In Summersville For Drivers After A DUI: Erie
Erie offers the most affordable rates for drivers with a DUI in Summersville, with average monthly premiums of $170.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $240 | $2,880 |
| Westfield | $280 | $3,360 |
| Progressive | $210 | $2,520 |
| Allstate | $260 | $3,120 |
| Erie | $170 | $2,040 |
Cheapest Car Insurance In Summersville For Young Adults: Erie
Erie provides the most affordable quotes for young adults in Summersville, with rates averaging around $280 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $320 | $3,840 |
| Nationwide | $350 | $4,200 |
| Erie | $280 | $3,360 |
| State Farm | $323 | $3,876 |
| GEICO | $278 | $3,336 |
In West Virginia, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This difference is due to the maturation of driving habits and a decrease in risk-taking behaviors as drivers age. Statistically, young adults are less likely to file claims with insurance companies, indicating a lower involvement in accidents. As a result, insurers reduce premiums to reflect the improved safety records and decreased likelihood of claims from these more experienced drivers.
Cheapest Auto Insurance Rates In Summersville For Teenagers: Erie
Teenage drivers in Summersville can find the lowest quotes from Erie, with average monthly premiums of $80.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $120 | $1,440 |
| Geico | $175 | $2,100 |
| Westfield | $115 | $1,380 |
| Erie | $80 | $960 |
| Allstate | $230 | $2,760 |
Teenage drivers often encounter the highest car insurance premiums due to their inexperience. Insurance companies classify young drivers as high-risk because they are statistically more likely to be involved in accidents and commit traffic violations.
Best Car Insurance Companies In Summersville
For drivers in Summersville, selecting the right car insurance company is crucial for finding both affordable rates and dependable road protection. Below are the top 7 car insurance companies in Summersville, WV, ranked by the average monthly rate they offer.
| Company | Monthly Premium |
| Westfield | $100 |
| Erie | $85 |
| Nationwide | $108 |
| Progressive | $110 |
| State Farm | $115 |
| GEICO | $103 |
| Allstate | $140 |
Average Cost Of Car Insurance In Summersville- By Age
| Age | Average Yearly Rate |
| Teenagers | $3,360 |
| 20s | $2,640 |
| 30s | $1,860 |
| 40s | $1,800 |
| 50s | $1,740 |
| 60s | $1,620 |
| 70s | $1,680 |
Age plays a crucial role in determining car insurance rates. Typically, younger drivers, especially teens and young adults, experience higher premiums due to their lack of experience and higher likelihood of accidents and traffic violations. As drivers approach age 25, assuming a clean driving record, their rates usually begin to decrease. The most favorable insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies use age to assess driving experience and risk, which directly impacts premium costs.
Our Methodology
Based on a thorough analysis covering customer service ratings, product offerings, pricing, and a detailed review of various online sources and user feedback, I've developed a comprehensive overview of the car insurance landscape in Summersville, WV.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Summersville?
Erie offers the lowest car insurance rates in Summersville for the minimum coverage required by the State of West Virginia. For full coverage, including comprehensive and collision coverage, State Farm provides the most competitive rates.
What is the average cost of car insurance in Summersville?
The average cost of car insurance in Summersville is approximately $35 per month. However, rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other individual factors.
