Best West Virginia Home Insurance
If you own a home in West Virginia, you can expect to pay around $125 a month for home insurance coverage. This is lower than the national average of $145. Even so, with a little research you may find an even lower rate. We studied the average premiums, policy offerings and customer satisfaction histories of the six biggest home insurance providers in West Virginia to help you save money.
We'll cover:
How much is home insurance in West Virginia?
West Virginians pay an average of $125 a month for homeowners insurance, 14% cheaper than the average national home insurance rate of $145 a month.
| Region | Annual rate | Monthly rate |
|---|---|---|
| West Virginia | $1,503 | $125 |
| U.S. | $1,735 | $145 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
There are many factors that figure into your home insurance premium. These include:
- The age of your house
- Construction materials used
- Your ZIP code
- Your insurance claim history
What is the cheapest home insurance company in West Virginia?
Out of the six most popular home insurance companies operating in West Virginia, Erie has the cheapest average rate of $99 a month. That's 21% cheaper than the West Virginia average rate of $125 a month. Nationwide has the highest average rate in West Virginia, at $144 a month.
| Company | Average monthly rate |
|---|---|
| Erie | $99 |
| American Select | $114 |
| State Farm | $118 |
| Allstate | $121 |
| Statewide average | $125 |
| USAA | $131 |
| Nationwide | $144 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Best home insurance providers in West Virginia
If you're looking for the best combinations of home insurance cost and coverage, we found Erie, State Farm and Allstate to be the top choices. Here's why:
Erie: cheapest rates
Erie has the lowest home insurance rate in West Virginia, at an average of $99 a month. To drive your premium lower, you may be able to bundle your car insurance with your homeowners policy and save an average of 20%, possibly more, on both policies.
Erie has a rating of 0.5 on the NAIC Complaint Index. This index reflects an insurer's record of dealing with claim issues, such as resolution time and payout. The lower the rating, the better. The National Complaint Index is 1.0, so this puts Erie in a very strong position.
State Farm: most popular
State Farm's average home insurance rate in West Virginia is $118. While not having the lowest rate in West Virginia, State Farm is the most popular home insurance provider. According to the Insurance Information Institute's most recent data, State Farm holds 25.4% of the homeowners insurance market share nationwide, with Erie next at 18.9%.
Part of its popularity is State Farm's customer service. State Farm was given a score of 835 out of 1,000 for overall customer satisfaction in the J.D. Power 2021 U.S. Home Insurance Study. The higher the score, the better. The segment average nationally is 825, putting State Farm in a strong, above-average position.
Allstate: best discounts
Allstate's average rate in West Virginia is $121 a month, but it offers good discounts to lower it. These include:
- You can save 10% off your premium just for becoming an Allstate home insurance policyholder.
- Buying an Allstate home insurance policy at least seven days before the expiration date of your current policy can save you up to 10%.
- If you haven't had a recent homeowners insurance claim when you sign up with Allstate, you can save another 20%.
Allstate also does well in terms of customer satisfaction. It holds a score of 829 in the J.D. Power 2021 U.S. Home Insurance Study, and a 0.83 rating in the NAIC Complaint Index.
Cost of home insurance in West Virginia by city
Homeowners in Clarksburg pay the cheapest home insurance rate of $51 a month with American Select. Beckley has the most expensive average rate of $148 a month with Nationwide.
| City | Allstate | American Select | Erie | Nationwide | State Farm | USAA |
|---|---|---|---|---|---|---|
| Beckley | $111 | $75 | $96 | $148 | $108 | $129 |
| Charleston | $123 | $67 | $98 | $127 | $117 | $137 |
| Clarksburg | $86 | $51 | $75 | $132 | $96 | $122 |
| Fairmont | $111 | $54 | $75 | $133 | $96 | $113 |
| Huntington | $117 | $84 | $100 | $146 | $125 | $135 |
| Martinsburg | $117 | $84 | $100 | $146 | $125 | $135 |
| Morgantown | $93 | $58 | $75 | $122 | $103 | $112 |
| Parkersburg | $117 | $53 | $100 | $135 | $98 | $140 |
| Weirton | $79 | $61 | $74 | $139 | $116 | $124 |
| Wheeling | $79 | $58 | $75 | $123 | $112 | $125 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||||
Depending on the population density of your city, you could see higher rates than homeowners in more rural areas. More people means a higher chance of burglary and vandalism. This risk raises home insurance premiums.
Home insurance rates by county
Harrison and Wood Counties in West Virginia have the shared cheapest rate of $53 a month with American Select. Mercer County has the highest average home insurance rate in the state, at $192 a month with Nationwide.
| County | Allstate | American Select | Erie | Nationwide | State Farm | USAA |
|---|---|---|---|---|---|---|
| Berkeley | $79 | $57 | $66 | $103 | $115 | $113 |
| Cabell | $117 | $81 | $100 | $137 | $126 | $135 |
| Harrison | $100 | $53 | $75 | $132 | $105 | $123 |
| Jefferson | $82 | $62 | $66 | $103 | $110 | $114 |
| Kanawha | $121 | $67 | $98 | $129 | $117 | $137 |
| Mercer | $120 | $67 | $119 | $192 | $119 | $137 |
| Monongalia | $94 | $57 | $75 | $122 | $105 | $114 |
| Putnam | $127 | $67 | $75 | $133 | $116 | $131 |
| Raleigh | $119 | $73 | $96 | $148 | $117 | $133 |
| Wood | $117 | $53 | $100 | $135 | $103 | $142 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||||
Methodology
We used Quadrant Information Services to generate thousands of home insurance quotes for every ZIP code in West Virginia from the following providers:
- Allstate
- American Select
- Erie
- Nationwide
- State Farm
- USAA
Our sample home used the following policy specifications:
- Dwelling coverage: $275,000
- Personal property coverage: 50% of dwelling ($137,500)
- Other structures coverage: 10% of dwelling ($27,500)
- Loss of use coverage: 20% of dwelling ($55,000)
- Liability coverage: $100,000
Coverage sets were calculated using the following deductible limits:
- $500
- $1,000
- $1,500
- $2,000
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