Average Martinsburg, WV Car Insurance Costs
- State minimum liability on average in Martinsburg, WV costs $50 a month or $605 a year. Full coverage auto policies costs around $187 a month or $2,243 a year in Martinsburg.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Martinsburg – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Companies in Martinsburg, WV
- In Martinsburg, WV the cheapest car insurance companies on average are Erie Ins. Company, State Farm and Allstate. State minimum liability car insurance starts at $44 a month or $529 a year with Erie. The cheapest full coverage car insurance starts at $173 a month or $2,070 a year with Nationwide.
Here are the average policy rates from the cheapest local and national insurance providers in Martinsburg from our cost database of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | State Minimum Liability: | SM Monthly: | Full Coverage: | FC Monthly: |
|---|---|---|---|---|
| Erie Insurance | $529 | $44 | $2,355 | $196 |
| State Farm | $594 | $49 | $2,261 | $188 |
| Allstate | $686 | $57 | $3,829 | $319 |
| Nationwide | $686 | $57 | $2,070 | $173 |
| GEICO | $875 | $73 | $2,789 | $232 |
Finding a Cheap Auto Insurance Policy in Martinsburg, WV
Martinsburg, West Virginia is a city where car insurance costs can vary significantly among different providers. To ensure that drivers in Martinsburg are getting the best deal on their auto insurance, it is important to compare quotes from multiple companies. By using InsuranceQuotes’ easy-to-use quote form and real-time cost comparison tools, drivers can quickly see which local and national insurance companies offer the cheapest rates for their coverage needs. This simple process allows individuals to make informed decisions about their car insurance policies and ultimately save money on premiums each year. Don’t overpay for your auto insurance – start comparing quotes today with InsuranceQuotes!
What are State Minimum Liability Requirements in West Virginia?
- Bodily Injury Liability Coverage:
- $25,000 per person
- $50,000 per accident
- Property Damage Liability Coverage:
- $25,000 per accident
These requirements are often abbreviated as 25/50/25. This means that your insurance policy must provide at least $25,000 in coverage for injuries to a single person, $50,000 in coverage for injuries to multiple people in a single accident, and $25,000 in coverage for property damage caused by the accident.
It’s essential to note that these are the minimum legal requirements set by the state, and many drivers choose to purchase additional coverage to provide greater financial protection in case of an accident. Additionally, uninsured/underinsured motorist coverage and personal injury protection (PIP) are available in West Virginia and are worth considering for comprehensive protection. Always consult with an insurance agent to understand your specific needs and options, and stay informed about any changes to state insurance laws.
While the above coverages are required by law, West Virginia also offers additional optional coverage types for drivers to consider, including:
- Liability Coverage: This coverage is required by law in West Virginia and helps pay for injuries or property damage you cause to others in an at-fault accident.
- Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages.
- Personal Injury Protection (PIP): Also known as “no-fault” insurance, PIP coverage helps pay for medical expenses and other related costs for you and your passengers, regardless of who is at fault in the accident.
- Collision Coverage: This coverage helps pay for damages to your vehicle caused by a collision with another vehicle or object, regardless of fault.
- Comprehensive Coverage: This coverage helps pay for damages to your vehicle caused by incidents other than collisions, such as theft, vandalism, fire, or natural disasters.
- Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers if injured in an accident, regardless of fault.
- Rental Reimbursement Coverage: This coverage helps pay for the cost of renting a car while your vehicle is being repaired after a covered accident.
- Towing and Labor Coverage: This coverage reimburses you for towing and labor costs if your vehicle breaks down or becomes disabled.
