Compare the Cheapest Car Insurance Quotes in Charleston, WV

Car insurance in Charleston costs an average of $1,016 per year, which is the same as West Virginia’s average. The cheapest widely available insurer in Charleston is Erie, with an average annual cost of $698. If you are looking for quality and affordable coverage, MoneyGeek ranked the cheapest companies by driving history and coverage amount to ensure that you get the best car insurance plan for your needs.

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The Cheapest and Best Car Insurance in Charleston

The Cheapest Car Insurance Companies in Charleston

Based on the MoneyGeek study, the most affordable insurers, on average, for a full coverage car insurance policy in Charleston are:

  • USAA: $622 per year (only available to current and former military members)
  • Erie: $698 per year

MoneyGeek analyzed information about car insurance rates in Charleston using a sample profile of a 40-year-old male driver. For this study, the driver has a full coverage policy that includes comprehensive and collision coverage in addition to liability insurance.

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Average Cost of Car Insurance in Charleston

Charleston$1,016
WV$1,016
U.S.$1,424

In Charleston, the average yearly cost of car insurance is much more affordable than the nationwide average. The average annual rate in this city is $1,016, which is equal to the West Virginia average and about 28.7% cheaper than the national average.

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The Best Car Insurance Companies in Charleston

Charleston drivers hunting for an insurer that balances quality service and affordability can use MoneyGeek’s list of the top companies in the city to find the ideal option.

Based on the MoneyGeek scoring system, the best auto insurance providers in Charleston for most drivers are:

  • New Jersey Manufacturers: MoneyGeek score of 98 out of 100
  • GEICO: MoneyGeek score of 93 out of 100

USAA received the highest score in Charleston by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

MoneyGeek’s criteria for obtaining these scores included various factors, including J.D. Power’s user satisfaction, financial stability and affordability ratings.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
New Jersey Manufacturers
Score:98

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A+

Financial Stability

3
GEICO
Score:93

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Hartford
Score:88

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

5
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

6
Travelers
Score:85

2/5

Affordability

5/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

7
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

8
Nationwide
Score:78

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

9
Farmers
Score:75

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

10
CSAA
Score:75

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

11
Allstate
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Plymouth Rock Assurance
Score:73

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

13
Liberty Mutual
Score:73

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Personalized Quotes to Get You the Cheapest Car Insurance in Charleston

Auto insurance providers analyze a number of points to compute car insurance quotes in Charleston. These factors include your age, gender, driving record, credit score and more. Consider the example of Erie: their average annual price for an 18-year-old customer is about 275% higher than the cost for a 40-year-old driver with similar coverage. We recommend that you regularly get a personalized quote to see if you qualify for rebates or discounts as your situation changes.

Shopping around for car insurance in Charleston could save you $317, which is enough to buy:


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106Cups of Coffee
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24Months of Your Favorite Streaming Service

Cheapest Car Insurance in Charleston by Coverage Amount

In Charleston and other cities, the cost of car insurance varies across different coverage levels. A policy that only meets the state’s minimum requirements costs an average of $519 per year. On the other hand, a full coverage policy with higher liability limits costs $497 more, at $1,016 per year.

West Virginia Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
  • Uninsured Motorist
    $25,000 per person, $50,000 per incident and $25,000 for property damage. The minimum coverage may not be enough if you're in a serious accident.

In Charleston, Erie offers both 50/100/50 liability-only and full-coverage policies. The 50/100/50 term indicates that the plan will cover $50,000 in medical bills per person, totaling $100,000 per vehicle, with $50,000 in property damage repair. Erie’s full-coverage package in Charleston costs $270 more on average than its liability-only plan because it will cover your own expenses if you’re at fault in an accident, along with those of the other driver(s).

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Charleston if You Have Driving Violations

It’s smart to maintain a clean driving record as it helps you reduce your vehicle insurance premiums. For instance, Allstate’s customers in Charleston with a speeding ticket on their record need to pay around $112 more annually for their policies than a driver with a clean record. Similarly, those with a recorded DUI have to pay $344 more on average for their coverage.

Average Cost of Car Insurance by Postal Code

People who live in neighborhoods with higher numbers of accidents, car thefts and uninsured motorists are more expensive to insure. In Charleston, drivers who live in ZIP code 25302 pay an average of $10 less per year for their auto coverage than drivers in ZIP code 25314.

  • Zip Code
    State Minimumper year
  • 25302
    $1,010
  • 25313
    $1,017
  • 25314
    $1,020

Factors That Impact Insurance Costs in Charleston

In addition to individual driver needs and history, location-specific factors like the rate of fatal accidents and the percentage of uninsured motorists also contribute to car insurance rates in Charleston. How Charleston ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities6th/300
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Most Car Thefts249th/300
uninsured icon
Most Uninsured Motorists by State32nd/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall84th/300
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Most Rainy Days17th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Charleston are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.