Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in West Virginia Average homeowners insurance cost in West Virginia Homeowners insurance in West Virginia costs $1,886 per year or $157 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. Updated on: November 21, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.On average, West Virginia homeowners insurance costs $1,886 a year, based on Insure.com’s data. Learn more about the average homeowners insurance rates by company and ZIP code in West Virginia. Key Takeaways Homeowners insurance costs an average of $1,886 a year, based on Insure.com analysis.Of all the ZIP codes in West Virginia, 26505 has the most affordable home insurance rates at around $1,471 annually.In West Virginia, Allstate provides the most affordable home insurance at an average annual premium of $1,681. Average home insurance cost in West Virginia by coverage levelThe average cost of homeowners insurance in West Virginia is $1,886 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $1,682 per year for homeowners insurance in West Virginia for $100,000 in liability protection and $1,000 deductible. Below, you can find the average cost of homeowners insurance in West Virginia for dwelling coverage of $300,000, $400,000 and $500,000.Coverage Average annual rate Average monthly rate200000 with 1000 Deductible and 100000 Liability and None Deductible$1,443$120200000 with 1000 Deductible and 300000 Liability and None Deductible$1,465$122300000 with 1000 Deductible and 100000 Liability and None Deductible$1,886$157300000 with 1000 Deductible and 300000 Liability and None Deductible$1,911$159400000 with 1000 Deductible and 100000 Liability and None Deductible$2,324$194400000 with 1000 Deductible and 300000 Liability and None Deductible$2,354$196600000 with 1000 Deductible and 100000 Liability and None Deductible$3,235$270600000 with 1000 Deductible and 300000 Liability and None Deductible$3,271$2731000000 with 1000 Deductible and 100000 Liability and None Deductible$5,098$4251000000 with 1000 Deductible and 300000 Liability and None Deductible$5,146$429Homeowners insurance companies in West Virginia decide rates based on risk. They consider your location, claims history and coverage limit when calculating premiums.If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims.According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in West VirginiaBefore purchasing homeowners insurance, it’s important to compare rates and explore your options. Several factors play a role in choosing the best homeowners insurance company for your specific needs.We evaluated insurance companies in West Virginia based on their NAIC scores and AM Best ratings to create a list of the top homeowners insurance providers in the state. Our findings show that State Farm received the lowest NAIC score and A++ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best Rating NAIC Complaint IndexOverall scoreState Farm$1,745A++0.955Allstate$1,681A+0.94.99Auto Club Group – ACG (AAA)$1,876A0.294.82Westfield Insurance$2,118A0.294.59Nationwide$1,682A+0.874.12Progressive$2,661A+8.452.78Average homeowners insurance cost by company in West VirginiaAllstate has the cheapest homeowners insurance rates in West Virginia. Its average annual cost for West Virginia homeowners is $1,681. Nationwide and State Farm also offer affordable insurance.By comparing homeowners insurance rates, you could save hundreds, if not thousands, of dollars annually.The table below shows the average annual and monthly insurance rates for homeowners in West Virginia with $300,000 in dwelling coverage, $100,000 in liability coverage, and a $1,000 deductible.Company Average annual rate Average monthly rateAllstate$1,681$140Nationwide$1,682$140State Farm$1,745$145Auto Club Group – ACG (AAA)$1,876$156Erie Insurance$2,104$175Westfield Insurance$2,118$177Progressive$2,661$222USAA$1,218$102West Virginia homeowners insurance rates by ZIP codeInsurance providers in West Virginia factor in the risk of a given location when determining rates. ZIP codes with higher crime rates or frequent natural disasters are typically classified as high-risk, leading to increased premiums. Additionally, the cost of rebuilding or repairing homes in that area can affect your homeowners insurance costs.To get the best deal on homeowners insurance rates in West Virginia, take the time to shop around and compare quotes from multiple insurers. Additionally, don’t forget to ask about potential discounts, like bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in West VirginiaNot every area in West Virginia has the same home insurance cost. How much you pay for homeowners insurance in West Virginia depends on many factors, including your ZIP code. Our data shows that 26505 ZIP has low-cost home insurance rates in West Virginia, at about $1,471 a year or $123 monthly.Below you can find homeowners insurance rates for some of the most affordable ZIP codes in West Virginia.ZIP codeAverage annual rateAverage monthly rate26505$1,471$12326554$1,483$12426501$1,521$12726506$1,525$12726301$1,527$12726543$1,531$12824901$1,540$12826378$1,545$12926559$1,551$12926572$1,561$130Most expensive ZIP codes for home insurance rates in West VirginiaYour ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In West Virginia, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.25666 has the most expensive homeowners insurance rates in West Virginia at an average annual cost of $2,452.Below, we’ve highlighted some of the most expensive ZIP codes in West Virginia for home insurance:ZIP codeAverage annual rateAverage monthly rate25666$2,452$20425674$2,425$20225511$2,416$20125671$2,392$19925512$2,374$19825638$2,357$19625047$2,348$19625669$2,345$19525692$2,343$19525625$2,328$194Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in West Virginia by cityCharlestonHuntingtonMorgantownHome insurance rate trend in West VirginiaWe analyzed home insurance rate trends in West Virginia and found that homeowners insurance rates experienced an overall increase of 6% or $105, from 2022 to 2023.The below data shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$1,852$1,781$1,886To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get the most affordable coverage in West Virginia.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in West-Virginia Average renters insurance cost in West Virginia Average car insurance cost in West Virginia Non-owner auto insurance in West Virginia How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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