Best Kingwood, WV Car Insurance in 2024
Car insurance in Kingwood, WV averages $333 a month. Kingwood, West Virginia car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Kingwood car insurance rates, compare quotes from the top car insurance companies in Kingwood, WV.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Kingwood, WV after a DUI are $4,902/year
- Average car insurance rates in Kingwood, WV are $3,993/year
- The cheapest car insurance company in Kingwood is State Farm
If you need to buy Kingwood, West Virginia car insurance, the options can be confusing. Everything you need to know about car insurance in Kingwood, WV is right here.
You’ll find Kingwood car insurance rates, the cheapest Kingwood, WV car insurance companies, and information on West Virginia car insurance laws. You can also compare Kingwood, West Virginia car insurance rates to Weirton car insurance rates, Martinsburg car insurance rates, and Bluefield car insurance rates.
Ready to find affordable Kingwood, WV car insurance today? Enter your ZIP code for fast, free Kingwood car insurance quotes.
Cheapest Kingwood, WV Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Kingwood, WV car insurance rates? Every Kingwood, West Virginia car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,881 | $2,672 | $2,571 | $2,577 | $10,420 | $10,877 | $3,190 | $3,197 |
| Geico | $2,562 | $2,529 | $2,446 | $2,371 | $6,181 | $7,456 | $2,465 | $2,569 |
| Liberty Mutual | $3,741 | $4,063 | $3,009 | $3,670 | $14,233 | $16,069 | $3,856 | $4,237 |
| Nationwide | $2,062 | $2,100 | $1,872 | $1,969 | $5,317 | $6,748 | $2,320 | $2,489 |
| Progressive | $2,328 | $2,242 | $2,141 | $2,142 | $10,117 | $11,388 | $2,803 | $2,897 |
| State Farm | $1,684 | $1,684 | $1,504 | $1,504 | $3,665 | $4,733 | $1,988 | $1,577 |
| USAA | $1,814 | $1,789 | $1,680 | $1,696 | $6,003 | $6,661 | $2,348 | $2,526 |
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Minimum Car Insurance in Kingwood, WV
Every driver must carry the minimum car insurance in Kingwood, WV. Take a look at the West Virginia car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Kingwood, WV Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Kingwood, WV. Compare credit history car insurance rates in Kingwood from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,814 | $4,627 | $3,954 |
| Geico | $4,309 | $3,502 | $2,907 |
| Liberty Mutual | $9,446 | $5,814 | $4,569 |
| Nationwide | $3,546 | $2,994 | $2,789 |
| Progressive | $5,050 | $4,392 | $4,080 |
| State Farm | $3,296 | $2,007 | $1,575 |
| USAA | $4,535 | $2,591 | $2,067 |
Cheapest Kingwood, WV Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Kingwood, WV to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,048 | $4,799 | $5,743 | $4,602 |
| Geico | $2,200 | $3,551 | $6,179 | $2,360 |
| Liberty Mutual | $5,412 | $6,847 | $7,570 | $6,611 |
| Nationwide | $2,479 | $3,306 | $3,878 | $2,776 |
| Progressive | $3,825 | $5,125 | $4,582 | $4,497 |
| State Farm | $2,114 | $2,472 | $2,293 | $2,293 |
| USAA | $2,409 | $2,845 | $4,068 | $2,936 |
Cheapest Kingwood, WV Car Insurance for Teen Drivers
Teen car insurance in Kingwood, WV can be expensive. Take a look at rates from the top car insurance companies in Kingwood for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,420 | $10,877 |
| Geico | $6,181 | $7,456 |
| Liberty Mutual | $14,233 | $16,069 |
| Nationwide | $5,317 | $6,748 |
| Progressive | $10,117 | $11,388 |
| State Farm | $3,665 | $4,733 |
| USAA | $6,003 | $6,661 |
Cheapest Kingwood, WV Car Insurance for Seniors
Take a look at Kingwood, WV senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,571 | $2,577 |
| Geico | $2,446 | $2,371 |
| Liberty Mutual | $3,009 | $3,670 |
| Nationwide | $1,872 | $1,969 |
| Progressive | $2,141 | $2,142 |
| State Farm | $1,504 | $1,504 |
| USAA | $1,680 | $1,696 |
Cheapest Kingwood, WV Car Insurance Rates After a DUI
A DUI in Kingwood, WV increases car insurance rates. Compare Kingwood, West Virginia DUI car insurance by company to find the cheapest option. (For more information, read our “What are the DUI insurance laws in West Virginia?“).
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,743 |
| Geico | $6,179 |
| Liberty Mutual | $7,570 |
| Nationwide | $3,878 |
| Progressive | $4,582 |
| State Farm | $2,293 |
| USAA | $4,068 |
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Cheapest Kingwood, WV Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Kingwood, WV by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,798 | $4,798 |
| Geico | $3,535 | $3,610 |
| Liberty Mutual | $6,610 | $6,610 |
| Nationwide | $3,110 | $3,110 |
| Progressive | $4,507 | $4,507 |
| State Farm | $2,233 | $2,352 |
| USAA | $3,029 | $3,100 |
The Best Cheap Car Insurance Companies in Kingwood, WV
Take a look at a side-by-side comparison of the top car insurance companies in Kingwood, WV to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,798 |
| Geico | $3,572 |
| Liberty Mutual | $6,610 |
| Nationwide | $3,110 |
| Progressive | $4,507 |
| State Farm | $2,293 |
| USAA | $3,065 |
Category Winners: Cheapest Car Insurance in Kingwood, West Virginia
Find the cheapest car insurance companies in Kingwood, WV for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | State Farm |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | State Farm |
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Cheapest Kingwood, WV Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Kingwood car insurance rates. Find the cheapest Kingwood, WV car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,653 | $4,791 | $4,950 |
| Geico | $3,401 | $3,578 | $3,738 |
| Liberty Mutual | $6,261 | $6,594 | $6,975 |
| Nationwide | $3,081 | $3,090 | $3,157 |
| Progressive | $4,344 | $4,465 | $4,713 |
| State Farm | $2,170 | $2,286 | $2,422 |
| USAA | $2,968 | $3,060 | $3,166 |
What affects car insurance rates in Kingwood, West Virginia?
What factors can have an impact on Kingwood, WV car insurance? There are several reasons why Kingwood car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Kingwood, West Virginia.
Commute Time in Kingwood
The more time you spend in your car the higher the risk of an accident. The average commute length in Kingwood, WV is 21.5 minutes according to City-Data.
Compare Car Insurance Quotes in Kingwood, WV
Ready to find affordable Kingwood, West Virginia car insurance today? Enter your ZIP code for fast, free Kingwood, WV car insurance quotes.
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Frequently Asked Questions
How much does car insurance cost in Kingwood, WV?
The cost of car insurance in Kingwood, WV can vary based on several factors, including your age, driving record, type of vehicle, coverage options, and the insurance company you choose. To get an accurate estimate, it’s recommended to request quotes from different insurance providers and compare their rates and coverage options.
What are the common coverage options for car insurance in Kingwood, WV?
Common coverage options for car insurance in Kingwood, WV include:
- Liability Coverage: This coverage is typically required by law and includes bodily injury liability and property damage liability. It helps cover costs if you cause an accident that results in injuries to others or damage to their property.
- Collision Coverage: This coverage helps pay for repairs or replacement of your vehicle if it is damaged in a collision, regardless of fault.
- Comprehensive Coverage: This coverage protects against non-collision-related damages, such as theft, vandalism, fire, or severe weather.
- Uninsured/Underinsured Motorist Coverage: This coverage provides protection if you’re involved in an accident with a driver who has insufficient or no insurance.
- Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers in the event of an accident, regardless of fault.
What factors can affect the cost of car insurance in Kingwood, WV?
Several factors can influence the cost of car insurance in Kingwood, WV, including:
- Age and Driving Experience: Younger drivers and those with less driving experience generally have higher insurance rates.
- Driving Record: A clean driving record with no accidents or traffic violations can lead to lower insurance premiums.
- Location: The area where you live can impact your insurance rates. Factors such as crime rates, traffic congestion, and the number of accidents in the area are considered.
- Vehicle Type: The make and model of your vehicle can affect insurance rates. Generally, more expensive or high-performance vehicles have higher insurance premiums.
- Coverage and Deductibles: The level of coverage you choose and the deductibles you select can affect your premiums. Higher coverage limits and lower deductibles often result in higher premiums.
Are there any discounts available for car insurance in Kingwood, WV?
Yes, insurance providers often offer discounts that can help lower the cost of car insurance in Kingwood, WV. Common discounts include:
- Multi-Policy Discount: Bundling your car insurance with other policies, such as home or renters insurance, can lead to discounted rates.
- Good Driver Discount: Maintaining a clean driving record without accidents or traffic violations can make you eligible for lower premiums.
- Safety Feature Discount: Having safety features installed in your vehicle, such as anti-lock brakes, airbags, or anti-theft systems, may result in lower insurance rates.
- Good Student Discount: If you’re a student with good grades, you may qualify for a discount on your car insurance.
- Loyalty Discount: Some insurance companies offer discounts to customers who have been with them for a certain period.
How can I find affordable car insurance in Kingwood, WV?
To find affordable car insurance in Kingwood, WV, consider the following tips:
- Compare Quotes: Obtain quotes from multiple insurance companies to compare rates and coverage options.
- Increase Deductibles: Opting for higher deductibles can lower your insurance premiums. However, ensure you can afford to pay the deductible amount in case of a claim.
- Maintain a Good Driving Record: Avoid accidents and traffic violations to maintain a clean driving record, which can help lower your insurance premiums.
- Take Advantage of Discounts: Inquire about available discounts and see if you qualify for any, such as multi-policy, good driver, or safety feature discounts.
- Review Coverage Needs: Assess your coverage needs and adjust your policy accordingly. Removing unnecessary coverage or adjusting coverage limits can help reduce costs.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.