Average insurance rates across 20 cities in West Virginia
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Huntington | 202,754 | $1,188 | $1,408 | $687/mo | $13/mo |
| Charleston | 129,754 | $1,188 | $1,408 | $687/mo | $13/mo |
| Morgantown | 81,912 | $1,188 | $1,408 | $687/mo | $13/mo |
| Parkersburg | 65,524 | $1,188 | $1,408 | $687/mo | $13/mo |
| Wheeling | 26,900 | $1,188 | $1,408 | $687/mo | $13/mo |
| Weirton | 18,971 | $1,188 | $1,408 | $687/mo | $13/mo |
| Martinsburg | 18,678 | $1,188 | $1,408 | $687/mo | $13/mo |
| Fairmont | 18,402 | $1,188 | $1,408 | $687/mo | $13/mo |
| Beckley | 17,132 | $1,188 | $1,408 | $687/mo | $13/mo |
| Clarksburg | 15,977 | $1,188 | $1,408 | $687/mo | $13/mo |
| Teays Valley | 13,816 | $1,188 | $1,408 | $687/mo | $13/mo |
| South Charleston | 13,527 | $1,188 | $1,408 | $687/mo | $13/mo |
| St. Albans | 10,753 | $1,188 | $1,408 | $687/mo | $13/mo |
| Vienna | 10,642 | $1,188 | $1,408 | $687/mo | $13/mo |
| Cross Lanes | 10,037 | $1,188 | $1,408 | $687/mo | $13/mo |
West Virginia residents pay an average of $1,350 per year for home insurance and $1,600 for auto insurance. West Virginia follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/25.
Health insurance in West Virginia averages $700 per month for an individual Silver marketplace plan. The weather risk level is medium, with moderate natural disaster risk. Top insurance providers in West Virginia include State Farm, Erie Insurance, Nationwide.
Get personalized quotes from top insurers
Policygenius The ZebraThe average home insurance cost in West Virginia is $1,350 per year. Rates range from $850 to $1,950 depending on home value, location, and coverage level.
Auto insurance in West Virginia averages $1,600 per year for full coverage. The state minimum coverage is 25/50/25.
West Virginia has below-average insurance costs, with home insurance at $1,350/yr and auto at $1,600/yr compared to national averages of $2,300 and $1,800 respectively.
West Virginia requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.