Cheap Quotes for Morgantown, WV Car Insurance (2021)

Morgantown, West Virginia car insurance rates average $312 a month and West Virginia law requires coverage of at least 25/50/25. By comparing rates from multiple Morgantown, WV companies, you can find cheap Morgantown car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 14, 2022

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Things to Know

  • The cheapest car insurance company in Morgantown is State Farm
  • Average car insurance rates in Morgantown, WV after a DUI are $4,568/year
  • Average car insurance rates in Morgantown, WV for senior drivers are $2,083/year

How do the Morgantown, West Virginia monthly average car insurance rates of $312/month compare to nearby cities like Weirton car insurance rates, St. Albans car insurance rates, and Beckley car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Morgantown, WV.

We’ll cover the West Virginia minimum coverage requirements, West Virginia car insurance laws, and Morgantown, WV statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Morgantown, West Virginia companies to find the most affordable Morgantown car insurance rates.

Enter your ZIP code above to find cheap Morgantown, WV car insurance quotes today.

What are the minimum Morgantown, WV car insurance requirements?

To meet West Virginia minimum car insurance coverage requirements, Morgantown, WV drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Morgantown, West Virginia

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

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Average Morgantown, WV Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Morgantown, WV you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Morgantown, West Virginia

ZIP Code Average Annual Rates
26505 $3,731
26506 $3,724
26508 $3,764

How do age, gender, and marital status affect Morgantown, WV car insurance rates?

Three of the criteria that most affect car insurance rates in Morgantown, West Virginia are age, gender, and marital status. Let’s take a look at how each of these stack up with top Morgantown car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Morgantown, West Virginia

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 $2,251 $2,218 $2,137 $2,071 $5,622 $6,775 $2,160 $2,250
Liberty Mutual $3,749 $4,074 $3,013 $3,669 $14,042 $15,849 $3,877 $4,271
Nationwide $1,907 $1,936 $1,739 $1,821 $4,910 $6,197 $2,149 $2,296
Progressive $2,065 $1,982 $1,913 $1,910 $9,025 $10,131 $2,473 $2,545
State Farm $1,592 $1,592 $1,440 $1,440 $3,613 $4,659 $1,887 $1,486
USAA $1,531 $1,508 $1,424 $1,433 $5,047 $5,586 $1,972 $2,116

How much do teen drivers pay for car insurance in Morgantown, WV?

Morgantown, West Virginia car insurance rates for teens are often higher than rates for other drivers. Compare Morgantown car insurance rates from multiple Morgantown, West Virginia car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Morgantown, West Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,420 $10,877
GEICO $5,622 $6,775
Liberty Mutual $14,042 $15,849
Nationwide $4,910 $6,197
Progressive $9,025 $10,131
State Farm $3,613 $4,659
USAA $5,047 $5,586

How much do senior drivers pay for car insurance in Morgantown, WV?

With a little research, seniors can find affordable car insurance in Morgantown, West Virginia. Here’s a look at how the top Morgantown car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Morgantown, West Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,571 $2,577
GEICO $2,137 $2,071
Liberty Mutual $3,013 $3,669
Nationwide $1,739 $1,821
Progressive $1,913 $1,910
State Farm $1,440 $1,440
USAA $1,424 $1,433

How does coverage level affect Morgantown, WV car insurance rates?

How much coverage do you need? Are you comfortable with the West Virginia minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Morgantown, WV car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Morgantown, West Virginia

Insurance Company Low Medium High
Allstate $4,653 $4,791 $4,950
GEICO $2,993 $3,192 $3,371
Liberty Mutual $6,238 $6,552 $6,913
Nationwide $2,814 $2,855 $2,939
Progressive $3,854 $3,967 $4,196
State Farm $2,079 $2,207 $2,355
USAA $2,489 $2,572 $2,670

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How does your driving record affect Morgantown, WV car insurance rates?

Safe driving pays off. The more traffic violations you have in Morgantown, WV, the higher your car insurance rates will be. Compare rates based on driving infractions from top Morgantown, West Virginia companies.

Annual Morgantown, West Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,048 $4,799 $5,743 $4,602
GEICO $1,984 $3,176 $5,452 $2,129
Liberty Mutual $5,385 $6,791 $7,525 $6,571
Nationwide $2,302 $3,059 $3,558 $2,558
Progressive $3,405 $4,559 $4,068 $3,990
State Farm $2,026 $2,401 $2,214 $2,214
USAA $2,029 $2,396 $3,413 $2,471

How does a DUI affect Morgantown, WV car insurance rates?

With even one DUI on your record, you can see an increase in your Morgantown, WV car insurance rates.

Annual Car Insurance Rates After a DUI in Morgantown, West Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,743
GEICO $5,452
Liberty Mutual $7,525
Nationwide $3,558
Progressive $4,068
State Farm $2,214
USAA $3,413

How does your credit history affect Morgantown, WV car insurance rates?

Take a look at the data here to see how your Morgantown, West Virginia car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Morgantown, West Virginia

Insurance Company Poor Fair Good
Allstate $5,814 $4,627 $3,954
GEICO $3,840 $3,124 $2,592
Liberty Mutual $9,405 $5,766 $4,533
Nationwide $3,268 $2,760 $2,580
Progressive $4,473 $3,908 $3,636
State Farm $3,180 $1,938 $1,522
USAA $3,799 $2,184 $1,748

How does your commute affect Morgantown, WV car insurance rates?

Morgantown, WV car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for West Virginia can be seen here. Remember, though, that you may have to carry substantially more car insurance in Morgantown if you’re financing.

Annual Car Insurance Rates by Commute Length in Morgantown, West Virginia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,798 $4,798
GEICO $3,150 $3,220
Liberty Mutual $6,568 $6,568
Nationwide $2,869 $2,869
Progressive $4,006 $4,006
State Farm $2,156 $2,272
USAA $2,547 $2,607

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Who has the cheapest Morgantown, WV car insurance rates?

Here’s a breakdown of Morgantown, West Virginia car insurance rates by company. You can see which company offers the cheapest Morgantown car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Morgantown, West Virginia

Category Insurance Company
Teenagers State Farm
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation GEICO

What are the top Morgantown, WV car insurance companies?

Which Morgantown, West Virginia car insurance company will best fit your needs and budget? Check out this comparison of the top Morgantown companies to find the one for you.

Average Annual Car Insurance Rates by Company in Morgantown, West Virginia

Insurance Company Average Annual Rates
Allstate $4,798
GEICO $3,185
Liberty Mutual $6,568
Nationwide $2,869
Progressive $4,006
State Farm $2,214
USAA $2,577

What factors affect Morgantown, WV car insurance rates?

Why are Morgantown, West Virginia car insurance rates different than rates in Weirton or St. Albans? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Morgantown, WV?

More time spent behind the wheel can lead to higher Morgantown, West Virginia car insurance rates. In Morgantown, WV, the average commute length is 16.6 minutes.

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Car Insurance Quotes for Morgantown, WV

Shop for affordable Morgantown, West Virginia car insurance rates today. Enter your ZIP code to compare quotes from multiple Morgantown, WV car insurance companies.

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