Best West Virginia Home and Auto Bundle Insurance Companies (2024)

MoneyGeek considered affordability, customer service and discounts when scoring insurance companies in West Virginia. Our study found that the best companies for auto and home insurance bundling in the state are:

• State Farm: MoneyGeek score of 85 out of 100
• Nationwide: MoneyGeek score of 78 out of 100

State Farm offers the best auto and home insurance in West Virginia, receiving the highest score for a bundle discount and second-highest scores for auto satisfaction and home satisfaction. Nationwide, our runner-up, lagged in affordability with its discount but earned above-average ratings on auto and home satisfaction.

According to MoneyGeek’s research, USAA ranks as the best company offering an auto and home insurance bundle in West Virginia. However, its availability is limited to military members, veterans and their families. Those eligible for a USAA policy can enjoy a low rate plus quality service.

On average, West Virginians lower their insurance costs by 15% and save $372 a year when they bundle auto and home insurance policies. MoneyGeek’s study discovered that State Farm offers the most significant bundle discount at around 23%, whereas USAA has the smallest discount at roughly 6%.

The biggest discount doesn’t automatically guarantee the cheapest rate. For example, USAA offers the lowest quote for bundled policies at approximately $1,729 per year, even with the smallest bundle discount. But it is only available to military personnel, so State Farm offers the largest bundle discount and lowest price in West Virginia to all residents at around $2,027.

Conversely, Allstate has the most expensive annual premium at roughly $2,465 after around an 18% bundle discount.

MoneyGeek found that the two companies with, on average, the most affordable auto and home bundles in West Virginia, regardless of discounts, are:

• State Farm: $2,027 per year
• Nationwide: $2,112 per year

USAA may be an excellent option for military members, veterans and their families living in the state. It offers a home and auto bundle to eligible customers at approximately $1,729 per year.

An alternative option to save on insurance is to get policies from two different companies. That means pairing the most affordable car insurance you can find with the cheapest homeowners insurance.

At an average cost of $2,293 per year, pairing State Farm auto insurance (around $845 per year) with Nationwide home insurance (roughly $1,448 per year) results in the cheapest bundled combination in West Virginia.

Still, it’s more affordable to bundle policies with the same company in West Virginia. Case in point, State Farm offers its home and auto bundle at approximately $2,027 per year. That’s around $266 more affordable than the cheapest bundled combination we found in West Virginia.

In most cases, it’s more affordable to bundle auto and homeowners policies with the same insurance company in West Virginia. Some of the benefits include cheaper rates and convenience. However, it’s important to note that a home and auto policy bundle from certain providers can be expensive. Thus, buying separate policies may be cheaper and more budget-friendly.