Average homeowners insurance cost in West Virginia

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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. But home insurance policies can get expensive, depending on the coverage level you choose and your insurer.

On average, West Virginia homeowners insurance costs $1,781 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 $1,781 a year, based on Insure.com analysis.
Amongst all the ZIP codes in West Virginia, 26554 has the most affordable home insurance rates, around $1,388 annually.
In West Virginia, USAA provides the most affordable home insurance at an average annual premium of $1,195.

Average home insurance cost in West Virginia by coverage level

The average cost of homeowners insurance in West Virginia is $1,781 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1000 deductible.

However, if you increase the dwelling coverage from $300,000 to $400,000, you will pay $2,219 per year for homeowners insurance in West Virginia for $100,000 in liability protection and $1000 deductible.

Find below 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 rate
$3,00,000 with $1,000 Deductible and $1,00,000 Liability	$1,781	$148
$4,00,000 with $1,000 Deductible and $1,00,000 Liability	$2,219	$185
$5,00,000 with $1,000 Deductible and $1,00,000 Liability	$2,685	$224

Homeowners insurance companies in West Virginia decide rates based on risks. They consider your location, claims history, credit history and coverage limits, etc., to calculate 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. Your credit score can also play a role in determining your home insurance costs.

Best homeowners insurance companies in West Virginia

It’s always wise to shop around and compare prices before you buy your home insurance. There are many factors that go into deciding the best homeowners insurance company.

We have compared the insurers in West Virginia using their J.D. Power score and AM Best rating and put together a list of the best homeowners insurance in West Virginia. Based on the analysis, USAA received the highest J.D. power score of 884 and A++ rating from AM Best.

Company	A.M. Best rating	J.D. Power rating	Overall score
USAA	A++	884	4.98
State Farm	A++	829	3.27
Allstate	A+	815	3.05
Nationwide	A+	816	3
Automobile Club MI	A+	817	2.75
Erie Insurance	A+	827	2.7
Progressive	A+	801	2.23

Average homeowners insurance cost by company in West Virginia

USAA offers the most affordable homeowners insurance in West Virginia, at an average annual premium of $1,195 a year, followed by Allstate and Nationwide.

You can save hundreds— if not thousands of dollars each year if you shop around for homeowners insurance.

Here are the average annual and monthly insurance rates for West Virginia homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1000 deductible.

Company	Average annual rate	Average monthly rate
USAA	$1,195	$100
Allstate	$1,639	$137
Nationwide	$1,686	$141
State Farm	$1,842	$153
Automobile Club MI (AAA)	$1,876	$156
Westfield Insurance	$1,905	$159
Erie Insurance	$2,018	$168
Progressive	$2,085	$174

West Virginia homeowners insurance rates by ZIP code

Insurance companies in West Virginia assess the risk associated with a specific location. ZIP codes with higher crime rates, instances of natural disasters, or poor road conditions may be deemed higher risk, resulting in higher insurance rates. The cost of rebuilding or repairing homes in a specific ZIP code can also impact how much you pay for a home insurance policy.

Make sure you shop around and compare quotes from various insurance companies to get the best deal on homeowners insurance rates in West Virginia. Don’t forget to ask about any available discounts, such as bundling policies or a smart home discount.

Most affordable ZIP codes for home insurance rates in West Virginia

Not every area in West Virginia has the same home insurance cost. How much is home insurance in West Virginia depends on a lot of different factors and one of them is your ZIP code. 26554 ZIP has low cost home insurance rates in West Virginia, at about $1,388 a year or $116, based on Insure.com data.

Find below the homeowners insurance rates for some of the most affordable ZIP codes in West Virginia.

ZIP code	Average annual rate	Average monthly rate
26554	$1,388	$116
26505	$1,401	$117
26559	$1,440	$120
26501	$1,441	$120
26378	$1,446	$120
26534	$1,447	$121
26301	$1,451	$121
24901	$1,458	$122
26330	$1,467	$122
26563	$1,468	$122

Home 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 city

Charleston

Huntington

Morgantown

Final thoughts

Finding the right homeowners insurance company takes some digging and comparing quotes from various insurers.

Home insurance companies gauge risk differently from one another. That’s why getting quotes from at least three homeowners insurance companies is important for getting affordable homeowners insurance in West Virginia.

Methodology

Insure.com worked with Quadrant Information Service to get homeowners insurance data. To determine the average premiums, we analyzed 14,723,760 insurance quotes from 147 insurance companies across 34,587 ZIP codes.

The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level