Best Homeowners Insurance in West Virginia (2025)
West Virginia’s cheapest home insurance companies
Most West Virginia homeowners get the cheapest home insurance rate with Erie, at $1,399 a year ($117 a month). This is 44% cheaper than the state average of $2,511.
State Farm is the second cheapest at $1,862 a year, or $155 a month.
While USAA actually has the overall cheapest rate of $1,197 in West Virginia, it only provides insurance coverage to members of the military and their families.
Cheapest companies in West Virginia
| Company | LendingTree score | Annual rate |
|---|---|---|
| Erie |  | $1,399 |
| State Farm | | $1,862 |
| Allstate | | $2,128 |
| Nationwide |  | $2,467 |
| Westfield | NA | $3,084 |
| Progressive | | $3,363 |
| Auto Club | NA | $4,587 |
| USAA* | | $1,197 |
Best homeowners insurance companies in West Virginia
Erie, State Farm and Allstate are the best choices for home insurance in West Virginia, based on their average rates and policy offerings.
Erie is the best overall for cost and customer satisfaction, State Farm is the most popular and Allstate has the best discounts.
Best Home Insurance Companies in West Virginia
| Company | Average annual rate | Overall satisfaction* | Complaint index** |
|---|---|---|---|
| Erie | $1,399 | 674 | 0.93 |
| State Farm | $1,862 | 643 | 0.78 |
| Allstate | $1,575 | 631 | 1.3 |
| Average | $2,178 | 640 | 1.0 |
*Source: J.D. Power’s 2024 U.S. Home Insurance Study. Higher scores are better.**Source: NAIC complaint index data from 2023. Lower scores are better; 1.0 is average.
Best overall: Erie
Erie has the best combo of cost and customer satisfaction among the home insurance companies we looked at in West Virginia.
Its average rate is $1,399 a year, the cheapest for most West Virginia homeowners. Its overall customer satisfaction and complaint resolution ratings are both very good, as well.
| Pros | Cons |
|---|---|
Cheap average rate Good customer satisfaction and complaint ratings Good replacement coverage | No online quote capability |
Best for discounts: Allstate
Allstate offers some of the cheapest home insurance in West Virginia, with an average rate of $1,575 a year.
Part of its low cost is the great range of discounts it offers, such as:
- Multi-policy discount: Bundling home insurance with a car or life insurance policy through Allstate can save you up to 25% on your insurance costs.
- Claim-free discount: If you sign on with Allstate with no recent claims on your record, you can save on your annual premium.
- Early signing discount: If you sign on with Allstate seven days or more before your current car insurance expires, you may qualify for a discount.
| Pros | Cons |
|---|---|
Good discounts Cheap rates | Below-average complaint index rating Low customer satisfaction |
Most popular: State Farm
On top of a low average rate of $1,862 a year, State Farm also carries almost 10% of the home insurance market in the U.S. The one real downside of State Farm is the below-average number of home insurance discounts it offers.
| Pros | Cons |
|---|---|
Cheap rates High claims satisfaction rating Good complaint index rating | Low number of home insurance discounts |
West Virginia home insurance rates by coverage amounts
The dwelling coverage limit you chose for your home insurance policy can affect your final rate. The higher you set your dwelling coverage limit, the higher your home insurance rate.
For example, you’ll pay about $267 more a year in West Virginia for a home insurance policy with a $400,000 dwelling coverage limit than for one with a $350,000 limit.
Average annual rate by dwelling coverage
| Dwelling coverage limit | Average annual rate |
|---|---|
| $350,000 | $2,244 |
| $400,000 | $2,511 |
| $450,000 | $2,786 |
Cost of home insurance in West Virginia
A standard home insurance policy in West Virginia costs an average of $2,511 a year. This is 10% cheaper than the national average rate of $2,801.
Insurers will use many factors besides where you live when calculating your home insurance quote, such as:
- Age of your home
- Quality of construction materials used
- Chosen coverage limits and your deductible
- Your insurance claim history
Home insurance rates by West Virginia city
Star City has the cheapest rates for homeowners insurance of West Virginia’s cities, at $2,000 a year. Mohawk is the most expensive city, at $3,706 a year.
| City | Average rate |
|---|---|
| Accoville | $3,354 |
| Adrian | $2,318 |
| Advent | $2,592 |
| Albright | $2,316 |
| Alderson | $2,243 |
| Alkol | $3,054 |
| Allen Junction | $3,156 |
| Alloy | $2,625 |
| Alma | $2,333 |
| Alum Bridge | $2,284 |
| Alum Creek | $2,792 |
| Amherstdale | $3,351 |
| Amigo | $3,164 |
| Amma | $2,615 |
| Anawalt | $3,574 |
| Anmoore | $2,301 |
| Annamoriah | $2,589 |
| Ansted | $2,569 |
| Apple Grove | $2,797 |
| Arbovale | $2,243 |
| Arnett | $2,935 |
| Arnoldsburg | $2,532 |
| Arthurdale | $2,292 |
| Artie | $2,835 |
| Asbury | $2,262 |
| Ashford | $2,925 |
| Ashton | $2,757 |
| Athens | $2,856 |
| Auburn | $2,365 |
| Augusta | $2,394 |
| Aurora | $2,312 |
| Avondale | $3,631 |
| Baisden | $3,515 |
| Baker | $2,287 |
| Bakerton | $2,123 |
| Ballard | $2,411 |
| Ballengee | $2,659 |
| Bancroft | $2,321 |
| Bandytown | $2,949 |
| Barboursville | $2,791 |
| Barrackville | $2,135 |
| Bartley | $3,621 |
| Bartow | $2,272 |
| Baxter | $2,208 |
| Bayard | $2,237 |
| Beaver | $2,792 |
| Beckley | $2,726 |
| Beech Bottom | $2,221 |
| Beeson | $2,922 |
| Belington | $2,351 |
| Belle | $2,478 |
| Belleville | $2,389 |
| Belmont | $2,342 |
| Belva | $2,470 |
| Benwood | $2,260 |
| Berea | $2,360 |
| Bergoo | $2,582 |
| Berkeley Springs | $2,148 |
| Berwind | $3,614 |
| Bethany | $2,280 |
| Bethlehem | $2,144 |
| Bickmore | $2,605 |
| Big Bend | $2,592 |
| Big Chimney | $2,635 |
| Big Creek | $3,322 |
| Big Otter | $2,649 |
| Big Run | $2,241 |
| Big Sandy | $3,598 |
| Big Springs | $2,583 |
| Bim | $2,977 |
| Birch River | $2,557 |
| Blacksville | $2,114 |
| Blair | $3,299 |
| Blennerhassett | $2,388 |
| Bloomingrose | $2,875 |
| Blount | $2,624 |
| Blue Creek | $2,579 |
| Bluefield | $2,816 |
| Bluewell | $2,831 |
| Boaz | $2,304 |
| Bob White | $3,018 |
| Bolt | $2,872 |
| Bomont | $2,711 |
| Boomer | $2,646 |
| Borderland | $3,595 |
| Bowden | $2,321 |
| Bradley | $2,783 |
| Bradshaw | $3,627 |
| Bramwell | $2,829 |
| Branchland | $3,042 |
| Brandywine | $2,234 |
| Breeden | $3,701 |
| Brenton | $3,251 |
| Bretz | $2,340 |
| Bridgeport | $2,235 |
| Brohard | $2,612 |
| Brookhaven | $2,061 |
| Brownsville | $2,535 |
| Bruceton Mills | $2,299 |
| Bruno | $3,372 |
| Buckeye | $2,302 |
| Buckhannon | $2,255 |
| Bud | $3,045 |
| Buffalo | $2,384 |
| Bunker Hill | $2,213 |
| Burlington | $2,239 |
| Burnsville | $2,436 |
| Burnt House | $2,429 |
| Burnwell | $2,561 |
| Burton | $2,272 |
| Cabin Creek | $2,524 |
| Cabins | $2,248 |
| Cairo | $2,382 |
| Caldwell | $2,215 |
| Calvin | $2,495 |
| Camden | $2,239 |
| Camden-on-Gauley | $2,589 |
| Cameron | $2,360 |
| Camp Creek | $2,990 |
| Canebrake | $3,614 |
| Cannelton | $2,517 |
| Canvas | $2,445 |
| Capon Bridge | $2,382 |
| Capon Springs | $2,338 |
| Carolina | $2,183 |
| Carpendale | $2,141 |
| Cass | $2,255 |
| Cassville | $2,037 |
| Cedar Grove | $2,544 |
| Cedarville | $2,358 |
| Center Point | $2,391 |
| Ceredo | $2,889 |
| Chapmanville | $3,272 |
| Charles Town | $2,196 |
| Charleston | $2,549 |
| Charlton Heights | $2,532 |
| Charmco | $2,266 |
| Chattaroy | $3,595 |
| Chauncey | $3,356 |
| Cheat Lake | $2,061 |
| Chesapeake | $2,528 |
| Chester | $2,261 |
| Chloe | $2,566 |
| Circleville | $2,228 |
| Clarksburg | $2,144 |
| Clay | $2,554 |
| Clear Creek | $2,791 |
| Clear Fork | $3,237 |
| Clendenin | $2,635 |
| Cleveland | $2,395 |
| Clothier | $3,423 |
| Coal City | $2,768 |
| Coal Mountain | $3,262 |
| Coaldale | $2,836 |
| Coalton | $2,311 |
| Coburn | $2,272 |
| Colcord | $2,861 |
| Colfax | $2,192 |
| Colliers | $2,242 |
| Comfort | $2,878 |
| Cool Ridge | $2,846 |
| Copen | $2,511 |
| Cora | $3,372 |
| Corinne | $3,058 |
| Costa | $2,948 |
| Cottageville | $2,625 |
| Cove Gap | $3,320 |
| Covel | $3,063 |
| Cowen | $2,593 |
| Coxs Mills | $2,343 |
| Crab Orchard | $2,746 |
| Craigsville | $2,471 |
| Crawford | $2,395 |
| Crawley | $2,299 |
| Creston | $2,589 |
| Crichton | $2,249 |
| Cross Lanes | $2,616 |
| Crum | $3,441 |
| Cucumber | $3,634 |
| Culloden | $2,631 |
| Cyclone | $3,197 |
| Dailey | $2,233 |
| Dallas | $2,368 |
| Danese | $2,570 |
| Daniels | $2,776 |
| Danville | $3,001 |
| Davin | $3,361 |
| Davis | $2,317 |
| Davisville | $2,349 |
| Davy | $3,661 |
| Dawes | $2,674 |
| Deep Water | $2,534 |
| Dehue | $3,339 |
| Delbarton | $3,566 |
| Dellslow | $2,139 |
| Delray | $2,390 |
| Despard | $2,209 |
| Diana | $2,606 |
| Dille | $2,526 |
| Dingess | $3,639 |
| Dixie | $2,489 |
| Dorothy | $2,880 |
| Dothan | $2,598 |
| Drennen | $2,463 |
| Dry Creek | $2,945 |
| Dry Fork | $2,291 |
| Drybranch | $2,665 |
| Duck | $2,599 |
| Dunbar | $2,560 |
| Duncan | $2,546 |
| Dunlow | $3,463 |
| Dunmore | $2,289 |
| Durbin | $2,250 |
| Earling | $3,369 |
| East Bank | $2,504 |
| East Lynn | $3,395 |
| Eccles | $2,784 |
| Eckman | $3,611 |
| Edgarton | $3,575 |
| Edmond | $2,574 |
| Eglon | $2,355 |
| Elbert | $3,608 |
| Eleanor | $2,309 |
| Elizabeth | $2,593 |
| Elk Garden | $2,290 |
| Elkhorn | $3,493 |
| Elkins | $2,192 |
| Elkview | $2,593 |
| Ellamore | $2,331 |
| Ellenboro | $2,402 |
| Emmett | $3,489 |
| Enterprise | $2,304 |
| Erbacon | $2,571 |
| Eskdale | $2,571 |
| Ethel | $3,238 |
| Eureka | $2,342 |
| Evans | $2,585 |
| Exchange | $2,459 |
| Fairdale | $2,870 |
| Fairlea | $2,159 |
| Fairmont | $2,074 |
| Fairview | $2,159 |
| Falling Rock | $2,608 |
| Falling Waters | $2,179 |
| Falls Mill | $2,472 |
| Fanrock | $3,256 |
| Farmington | $2,168 |
| Fayetteville | $2,515 |
| Fenwick | $2,438 |
| Filbert | $3,608 |
| Fisher | $2,259 |
| Flat Top | $2,977 |
| Flatwoods | $2,425 |
| Flemington | $2,331 |
| Floe | $2,566 |
| Follansbee | $2,194 |
| Folsom | $2,277 |
| Forest Hill | $2,629 |
| Fort Ashby | $2,209 |
| Fort Gay | $3,300 |
| Foster | $2,999 |
| Four States | $2,162 |
| Frametown | $2,519 |
| Frankford | $2,240 |
| Franklin | $2,175 |
| Fraziers Bottom | $2,371 |
| Freeman | $2,836 |
| French Creek | $2,308 |
| Frenchton | $2,294 |
| Friendly | $2,409 |
| Gallagher | $2,561 |
| Gallipolis Ferry | $2,763 |
| Galloway | $2,317 |
| Gandeeville | $2,636 |
| Gap Mills | $2,435 |
| Gary | $3,641 |
| Gassaway | $2,465 |
| Gauley Bridge | $2,535 |
| Gauley Mills | $2,589 |
| Gay | $2,599 |
| Genoa | $3,341 |
| Gerrardstown | $2,204 |
| Ghent | $2,829 |
| Gilbert | $3,510 |
| Gilboa | $2,503 |
| Given | $2,625 |
| Glady | $2,226 |
| Glasgow | $2,525 |
| Glen | $2,599 |
| Glen Dale | $2,311 |
| Glen Daniel | $2,965 |
| Glen Easton | $2,378 |
| Glen Ferris | $2,597 |
| Glen Fork | $3,204 |
| Glen Jean | $2,715 |
| Glen Rogers | $3,140 |
| Glen White | $2,766 |
| Glengary | $2,204 |
| Glenville | $2,323 |
| Glenwood | $2,618 |
| Gordon | $2,945 |
| Gormania | $2,263 |
| Grafton | $2,304 |
| Grand Total | $2,511 |
| Grant Town | $2,157 |
| Grantsville | $2,574 |
| Granville | $2,063 |
| Grassy Meadows | $2,265 |
| Great Cacapon | $2,166 |
| Green Bank | $2,261 |
| Green Spring | $2,402 |
| Green Sulphur Springs | $2,692 |
| Greenville | $2,481 |
| Griffithsville | $3,103 |
| Gypsy | $2,416 |
| Hacker Valley | $2,569 |
| Halltown | $2,153 |
| Hambleton | $2,411 |
| Hamlin | $3,085 |
| Handley | $2,515 |
| Hanover | $3,297 |
| Hansford | $2,515 |
| Harman | $2,363 |
| Harper | $2,791 |
| Harrisville | $2,384 |
| Hartford | $2,634 |
| Hartford City | $2,634 |
| Harts | $3,247 |
| Haywood | $2,417 |
| Heaters | $2,489 |
| Hedgesville | $2,200 |
| Helen | $2,733 |
| Helvetia | $2,330 |
| Henderson | $2,728 |
| Hendricks | $2,472 |
| Henlawson | $3,412 |
| Hensley | $3,604 |
| Hepzibah | $2,420 |
| Herndon | $3,176 |
| Hernshaw | $2,549 |
| Hewett | $3,015 |
| Hiawatha | $2,807 |
| Hico | $2,615 |
| High View | $2,403 |
| Hillsboro | $2,290 |
| Hilltop | $2,531 |
| Hinton | $2,618 |
| Holden | $3,434 |
| Hometown | $2,396 |
| Hooverson Heights | $2,195 |
| Horner | $2,356 |
| Hugheston | $2,661 |
| Hundred | $2,257 |
| Huntington | $2,658 |
| Hurricane | $2,290 |
| Iaeger | $3,659 |
| Idamay | $2,237 |
| Ikes Fork | $3,216 |
| Independence | $2,344 |
| Indian Mills | $2,629 |
| Indore | $2,599 |
| Institute | $2,605 |
| Inwood | $2,162 |
| Ireland | $2,291 |
| Isaban | $3,557 |
| Itmann | $3,213 |
| Ivydale | $2,649 |
| Jacksonburg | $2,283 |
| Jane Lew | $2,113 |
| Jeffrey | $3,014 |
| Jenkinjones | $3,604 |
| Jesse | $3,220 |
| Job | $2,291 |
| Jolo | $3,646 |
| Josephine | $2,827 |
| Julian | $3,001 |
| Jumping Branch | $2,681 |
| Junior | $2,397 |
| Justice | $3,527 |
| Kanawha Falls | $2,571 |
| Kanawha Head | $2,307 |
| Kearneysville | $2,201 |
| Kegley | $2,835 |
| Kellysville | $2,820 |
| Kenna | $2,592 |
| Kenova | $2,761 |
| Kerens | $2,313 |
| Kermit | $3,674 |
| Keslers Cross Lanes | $2,467 |
| Keyser | $2,160 |
| Kiahsville | $3,320 |
| Kimball | $3,611 |
| Kimberly | $2,585 |
| Kincaid | $2,567 |
| Kingmont | $2,237 |
| Kingwood | $2,255 |
| Kirby | $2,371 |
| Kistler | $3,403 |
| Kopperston | $3,217 |
| Kyle | $3,525 |
| Lahmansville | $2,227 |
| Lake | $3,397 |
| Lanark | $2,785 |
| Lansing | $2,522 |
| Lashmeet | $2,943 |
| Lavalette | $3,034 |
| Layland | $2,649 |
| Le Roy | $2,546 |
| Left Hand | $2,569 |
| Lehew | $2,417 |
| Leivasy | $2,465 |
| Lenore | $3,631 |
| Leon | $2,659 |
| Lerona | $2,867 |
| Lesage | $2,838 |
| Leslie | $2,261 |
| Lester | $2,788 |
| Letart | $2,684 |
| Levels | $2,451 |
| Lewisburg | $2,125 |
| Liberty | $2,416 |
| Lindside | $2,451 |
| Linn | $2,429 |
| Little Birch | $2,482 |
| Littleton | $2,302 |
| Liverpool | $2,546 |
| Livingston | $2,561 |
| Lizemores | $2,566 |
| Lochgelly | $2,594 |
| Logan | $3,356 |
| London | $2,580 |
| Lookout | $2,577 |
| Looneyville | $2,575 |
| Lorado | $3,359 |
| Lorentz | $2,305 |
| Lost City | $2,271 |
| Lost Creek | $2,386 |
| Lost River | $2,271 |
| Lubeck | $2,346 |
| Lumberport | $2,278 |
| Lundale | $3,359 |
| Lyburn | $3,369 |
| Lynco | $3,157 |
| Maben | $3,099 |
| Mabie | $2,328 |
| Mabscott | $2,777 |
| MacArthur | $2,738 |
| Macfarlan | $2,447 |
| Madison | $2,974 |
| Mahan | $2,561 |
| Maidsville | $2,143 |
| Mallory | $3,423 |
| Mammoth | $2,548 |
| Man | $3,356 |
| Mannington | $2,213 |
| Marfrance | $2,249 |
| Marianna | $3,133 |
| Marlinton | $2,300 |
| Marmet | $2,529 |
| Martinsburg | $2,143 |
| Mason | $2,641 |
| Masontown | $2,243 |
| Matewan | $3,578 |
| Matheny | $3,197 |
| Mathias | $2,261 |
| Matoaka | $2,973 |
| Maxwelton | $2,270 |
| Maybeury | $3,477 |
| Maysel | $2,542 |
| Maysville | $2,223 |
| Mc Graws | $3,181 |
| McMechen | $2,262 |
| Meadow Bluff | $2,303 |
| Meadow Bridge | $2,586 |
| Meadow Creek | $2,704 |
| Meadowbrook | $2,320 |
| Metz | $2,296 |
| Miami | $2,617 |
| Middlebourne | $2,290 |
| Midkiff | $3,103 |
| Midway | $2,757 |
| Milam | $2,211 |
| Mill Creek | $2,311 |
| Millstone | $2,582 |
| Millville | $2,198 |
| Millwood | $2,536 |
| Milton | $2,612 |
| Minden | $2,515 |
| Mineral Wells | $2,361 |
| Moatsville | $2,397 |
| Mohawk | $3,706 |
| Monongah | $2,078 |
| Montana Mines | $2,157 |
| Montcalm | $2,830 |
| Monterville | $2,329 |
| Montgomery | $2,513 |
| Montrose | $2,300 |
| Moorefield | $2,218 |
| Morgantown | $2,005 |
| Moundsville | $2,268 |
| Mount Alto | $2,694 |
| Mount Carbon | $2,561 |
| Mount Clare | $2,352 |
| Mount Gay | $3,377 |
| Mount Gay-Shamrock | $3,367 |
| Mount Hope | $2,625 |
| Mount Lookout | $2,452 |
| Mount Nebo | $2,449 |
| Mount Storm | $2,225 |
| Mount Zion | $2,538 |
| Mullens | $3,145 |
| Munday | $2,531 |
| Myra | $3,065 |
| Nallen | $2,610 |
| Naoma | $2,950 |
| Napier | $2,472 |
| Naugatuck | $3,557 |
| Nebo | $2,695 |
| Nellis | $2,991 |
| Nemours | $2,830 |
| Nettie | $2,494 |
| New Creek | $2,324 |
| New Cumberland | $2,258 |
| New Haven | $2,629 |
| New Manchester | $2,226 |
| New Martinsville | $2,163 |
| New Milton | $2,379 |
| New Richmond | $3,099 |
| Newburg | $2,408 |
| Newell | $2,216 |
| Newhall | $3,518 |
| Newton | $2,605 |
| Newtown | $3,557 |
| Nicut | $2,413 |
| Nimitz | $2,658 |
| Nitro | $2,355 |
| Nobe | $2,583 |
| Normantown | $2,387 |
| North Hills | $2,277 |
| North Matewan | $3,564 |
| North Spring | $3,294 |
| Northfork | $3,524 |
| Norton | $2,305 |
| Nutter Fort | $2,205 |
| Oak Hill | $2,485 |
| Oakvale | $2,820 |
| Oceana | $3,242 |
| Odd | $2,925 |
| Old Fields | $2,293 |
| Omar | $3,466 |
| Ona | $2,656 |
| Onego | $2,260 |
| Orgas | $2,891 |
| Orlando | $2,324 |
| Orma | $2,550 |
| Osage | $2,053 |
| Ottawa | $2,885 |
| Paden City | $2,132 |
| Page | $2,559 |
| Pageton | $3,579 |
| Palestine | $2,611 |
| Panther | $3,670 |
| Parkersburg | $2,291 |
| Parsons | $2,414 |
| Paw Paw | $2,149 |
| Pax | $2,723 |
| Paynesville | $3,620 |
| Pea Ridge | $2,588 |
| Peach Creek | $3,377 |
| Pecks Mill | $3,350 |
| Pence Springs | $2,636 |
| Pennsboro | $2,394 |
| Pentress | $2,053 |
| Perkins | $2,413 |
| Petersburg | $2,177 |
| Peterstown | $2,447 |
| Petroleum | $2,455 |
| Peytona | $2,938 |
| Philippi | $2,366 |
| Pickens | $2,311 |
| Piedmont | $2,229 |
| Pinch | $2,597 |
| Pine Grove | $2,268 |
| Pineville | $3,202 |
| Piney View | $2,796 |
| Pipestem | $2,689 |
| Pleasant Valley | $2,085 |
| Poca | $2,341 |
| Point Pleasant | $2,684 |
| Points | $2,429 |
| Pond Gap | $2,593 |
| Pool | $2,508 |
| Porters Falls | $2,344 |
| Powellton | $2,546 |
| Pratt | $2,543 |
| Premier | $3,622 |
| Prichard | $3,307 |
| Prince | $2,614 |
| Princeton | $2,789 |
| Princewick | $2,789 |
| Procious | $2,767 |
| Proctor | $2,287 |
| Prosperity | $2,797 |
| Pullman | $2,384 |
| Purgitsville | $2,397 |
| Pursglove | $2,119 |
| Quinwood | $2,249 |
| Rachel | $2,209 |
| Racine | $2,914 |
| Ragland | $3,564 |
| Rainelle | $2,267 |
| Raleigh | $2,797 |
| Ranger | $3,196 |
| Ranson | $2,198 |
| Ravencliff | $3,189 |
| Ravenswood | $2,487 |
| Rawl | $3,564 |
| Raysal | $3,630 |
| Reader | $2,269 |
| Red Creek | $2,423 |
| Red House | $2,335 |
| Red Jacket | $3,619 |
| Reedsville | $2,324 |
| Reedy | $2,614 |
| Renick | $2,351 |
| Reynoldsville | $2,387 |
| Rhodell | $2,824 |
| Richwood | $2,446 |
| Ridgeley | $2,137 |
| Ridgeview | $3,032 |
| Ridgeway | $2,221 |
| Rio | $2,371 |
| Ripley | $2,538 |
| Rippon | $2,215 |
| Riverton | $2,200 |
| Rivesville | $2,174 |
| Robinette | $3,350 |
| Robson | $2,569 |
| Rock | $2,841 |
| Rock Castle | $2,625 |
| Rock Cave | $2,381 |
| Rock Creek | $2,927 |
| Rock View | $3,166 |
| Rockport | $2,381 |
| Roderfield | $3,637 |
| Romney | $2,300 |
| Ronceverte | $2,192 |
| Rosedale | $2,413 |
| Rosemont | $2,387 |
| Rossmore | $3,373 |
| Rowlesburg | $2,435 |
| Rupert | $2,347 |
| Russelville | $2,610 |
| Sabine | $3,072 |
| Salem | $2,333 |
| Salt Rock | $2,625 |
| Sand Fork | $2,366 |
| Sand Ridge | $2,532 |
| Sandstone | $2,680 |
| Sandyville | $2,539 |
| Sarah Ann | $3,404 |
| Saulsville | $3,181 |
| Saxon | $2,912 |
| Scarbro | $2,553 |
| Scott Depot | $2,263 |
| Second Creek | $2,422 |
| Selbyville | $2,320 |
| Seneca Rocks | $2,235 |
| Seth | $3,005 |
| Shady Spring | $2,785 |
| Shanks | $2,385 |
| Shannondale | $2,178 |
| Sharples | $3,316 |
| Shenandoah Junction | $2,229 |
| Shepherdstown | $2,197 |
| Shinnston | $2,289 |
| Shirley | $2,276 |
| Shoals | $2,838 |
| Shock | $2,383 |
| Short Creek | $2,193 |
| Simon | $3,250 |
| Simpson | $2,371 |
| Sinks Grove | $2,425 |
| Sissonville | $2,656 |
| Sistersville | $2,220 |
| Skelton | $2,795 |
| Slab Fork | $2,778 |
| Slanesville | $2,432 |
| Slatyfork | $2,285 |
| Smithburg | $2,349 |
| Smithers | $2,500 |
| Smithfield | $2,268 |
| Smithville | $2,429 |
| Smoot | $2,303 |
| Snowshoe | $2,263 |
| Sod | $3,119 |
| Sophia | $2,788 |
| South Charleston | $2,567 |
| Southside | $2,675 |
| Spanishburg | $2,861 |
| Spelter | $2,388 |
| Spencer | $2,561 |
| Spring Dale | $2,675 |
| Spurlockville | $3,007 |
| Squire | $3,645 |
| St. Albans | $2,519 |
| St. Marys | $2,398 |
| Stanaford | $2,745 |
| Standard | $2,561 |
| Star City | $2,000 |
| Stephenson | $3,173 |
| Stollings | $3,371 |
| Stonewood | $2,218 |
| Stouts Mills | $2,366 |
| Sugar Grove | $2,205 |
| Sumerco | $3,133 |
| Summersville | $2,443 |
| Summit Point | $2,241 |
| Surveyor | $2,789 |
| Sutton | $2,445 |
| Swiss | $2,544 |
| Switchback | $3,506 |
| Switzer | $3,367 |
| Sylvester | $2,888 |
| Tad | $2,598 |
| Talcott | $2,659 |
| Tallmansville | $2,387 |
| Tanner | $2,583 |
| Taplin | $3,369 |
| Teays Valley | $2,277 |
| Terra Alta | $2,311 |
| Tesla | $2,482 |
| Thacker | $3,575 |
| Thomas | $2,382 |
| Thornton | $2,404 |
| Thorpe | $3,527 |
| Thurmond | $2,522 |
| Tioga | $2,482 |
| Tornado | $2,572 |
| Triadelphia | $2,242 |
| Trout | $2,383 |
| Troy | $2,394 |
| Tunnelton | $2,378 |
| Turtle Creek | $2,828 |
| Twilight | $2,949 |
| Uneeda | $2,998 |
| Union | $2,396 |
| Upper Falls | $2,548 |
| Upper Tract | $2,228 |
| Upperglade | $2,575 |
| Valley Bend | $2,260 |
| Valley Fork | $2,675 |
| Valley Grove | $2,284 |
| Valley Head | $2,326 |
| Vallscreek | $3,614 |
| Van | $2,955 |
| Varney | $3,564 |
| Verdunville | $3,367 |
| Verner | $3,489 |
| Victor | $2,584 |
| Vienna | $2,246 |
| Vivian | $3,611 |
| Volga | $2,432 |
| Vulcan | $3,575 |
| Waiteville | $2,389 |
| Walkersville | $2,317 |
| Wallace | $2,371 |
| Wallback | $2,675 |
| Walton | $2,609 |
| Wana | $2,102 |
| War | $3,617 |
| Wardensville | $2,249 |
| Warriormine | $3,596 |
| Washington | $2,348 |
| Waverly | $2,366 |
| Wayne | $3,269 |
| Wayside | $2,441 |
| Webster Springs | $2,571 |
| Weirton | $2,215 |
| Welch | $3,586 |
| Wellsburg | $2,203 |
| West Columbia | $2,711 |
| West Hamlin | $3,102 |
| West Liberty | $2,297 |
| West Milford | $2,308 |
| West Union | $2,341 |
| Weston | $2,176 |
| Westover | $2,019 |
| Wharncliffe | $3,570 |
| Wharton | $2,977 |
| Wheeling | $2,147 |
| White Oak | $2,786 |
| White Sulphur Springs | $2,205 |
| Whitesville | $2,932 |
| Whitman | $3,419 |
| Whitmer | $2,291 |
| Whittaker | $2,561 |
| Widen | $2,581 |
| Wilcoe | $3,596 |
| Wildcat | $2,291 |
| Wiley Ford | $2,192 |
| Wilkinson | $3,389 |
| Williamsburg | $2,383 |
| Williamson | $3,513 |
| Williamstown | $2,305 |
| Willow Island | $2,342 |
| Wilsondale | $3,394 |
| Winding Gulf | $2,789 |
| Windsor Heights | $2,241 |
| Winfield | $2,287 |
| Winifrede | $2,548 |
| Winona | $2,548 |
| Wolf Creek | $2,413 |
| Wolfe | $2,825 |
| Woodville | $2,972 |
| Worthington | $2,201 |
| Wyatt | $2,389 |
| Wyco | $2,981 |
| Wyoming | $3,127 |
| Yawkey | $3,147 |
| Yellow Spring | $2,417 |
| Yolyn | $3,339 |
Methodology
The rates shown in this article are based on nonbinding quotes collected from Quadrant Information Services. Your rates may vary. Average rates were compiled from rates in West Virginia.
The following coverages and deductible were used unless otherwise noted:
- $400,000 dwelling coverage
- $40,000 other structures
- $200,000 personal property
- $80,000 loss of use coverage
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible
For the LendingTree scores referenced above, our team of insurance experts also rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included the National Association of Insurance Commissioners’ (NAIC’s) complaint index scores and financial strength ratings from AM Best. NAIC complaint index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
*USAA is only available to active-duty and veteran military members and their families.