Cheap Quotes for Wayne, WV Car Insurance (2021)

Wayne, West Virginia car insurance rates average $369 a month and West Virginia law requires coverage of at least 25/50/25. By comparing rates from multiple Wayne, WV companies, you can find cheap Wayne 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

  • Average car insurance rates in Wayne, WV are $369/month
  • Average car insurance rates in Wayne, WV after a DUI are $5,504/year
  • The cheapest car insurance company in Wayne is State Farm

How do the Wayne, West Virginia monthly average car insurance rates of $369/month compare to nearby cities like Huntington car insurance rates, St. Albans car insurance rates, and Fairmont car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Wayne, WV.

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

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

What are the minimum Wayne, WV car insurance requirements?

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

Minimum Required Car Insurance Coverage in Wayne, 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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How do age, gender, and marital status affect Wayne, WV car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Wayne, 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 $2,911 $2,694 $2,618 $2,624 $10,674 $11,123 $3,188 $3,177
GEICO $3,305 $3,259 $3,143 $3,046 $8,189 $9,883 $3,179 $3,314
Liberty Mutual $4,555 $4,953 $3,652 $4,458 $17,214 $19,435 $4,712 $5,193
Nationwide $2,342 $2,385 $2,120 $2,233 $6,154 $7,837 $2,646 $2,845
Progressive $2,262 $2,181 $2,082 $2,081 $9,792 $11,036 $2,722 $2,809
State Farm $1,781 $1,781 $1,599 $1,599 $3,964 $5,123 $2,101 $1,662
USAA $1,804 $1,775 $1,683 $1,690 $6,084 $6,713 $2,331 $2,498

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

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,674 $11,123
GEICO $8,189 $9,883
Liberty Mutual $17,214 $19,435
Nationwide $6,154 $7,837
Progressive $9,792 $11,036
State Farm $3,964 $5,123
USAA $6,084 $6,713

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

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,618 $2,624
GEICO $3,143 $3,046
Liberty Mutual $3,652 $4,458
Nationwide $2,120 $2,233
Progressive $2,082 $2,081
State Farm $1,599 $1,599
USAA $1,683 $1,690

How does coverage level affect Wayne, 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 Wayne, WV car insurance rates will be. Let’s take a look.

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

Insurance Company Low Medium High
Allstate $4,668 $4,866 $5,095
GEICO $4,382 $4,679 $4,933
Liberty Mutual $7,621 $8,004 $8,439
Nationwide $3,515 $3,555 $3,641
Progressive $4,180 $4,320 $4,612
State Farm $2,305 $2,445 $2,604
USAA $2,956 $3,067 $3,193

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

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

Annual Wayne, West Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,105 $4,876 $5,848 $4,675
GEICO $2,880 $4,640 $8,047 $3,091
Liberty Mutual $6,569 $8,297 $9,195 $8,025
Nationwide $2,827 $3,807 $4,475 $3,171
Progressive $3,710 $4,974 $4,437 $4,361
State Farm $2,254 $2,649 $2,451 $2,451
USAA $2,409 $2,860 $4,076 $2,943

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

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,848
GEICO $8,047
Liberty Mutual $9,195
Nationwide $4,475
Progressive $4,437
State Farm $2,451
USAA $4,076

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

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

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

Insurance Company Poor Fair Good
Allstate $5,922 $4,700 $4,006
GEICO $5,624 $4,575 $3,795
Liberty Mutual $11,500 $7,039 $5,525
Nationwide $4,071 $3,434 $3,206
Progressive $4,898 $4,259 $3,955
State Farm $3,527 $2,145 $1,682
USAA $4,517 $2,609 $2,090

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

Wayne, 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 Wayne if you’re financing.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,876 $4,876
GEICO $4,614 $4,716
Liberty Mutual $8,021 $8,021
Nationwide $3,570 $3,570
Progressive $4,371 $4,371
State Farm $2,386 $2,517
USAA $3,036 $3,108

Who has the cheapest Wayne, WV car insurance rates?

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

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

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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What are the top Wayne, WV car insurance companies?

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

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

Insurance Company Average Annual Rates
Allstate $4,876
GEICO $4,665
Liberty Mutual $8,021
Nationwide $3,570
Progressive $4,371
State Farm $2,451
USAA $3,072

What factors affect Wayne, WV car insurance rates?

Why are Wayne, West Virginia car insurance rates different than rates in Huntington 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 Wayne, WV?

More time spent behind the wheel can lead to higher Wayne, West Virginia car insurance rates. In Wayne, WV, the average commute length is 17.5 minutes.

What is the traffic like in Wayne, WV

Like commute length, time spent in traffic also increase risk of accidents. Wayne, WV is listed as 864th in INRIX congested cities data.

Car Insurance Quotes for Wayne, WV

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