West Virginia's average home insurance premium costs $135 monthly or $1,620 annually. That's $154 less per month than the national average, saving residents $1,847 yearly. West Virginia ranks as the 37th most expensive state for home insurance coverage.
Average Home Insurance Cost in West Virginia
Updated: January 6, 2026
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Key Takeaways: West Virginia Home Insurance Rates
West Virginia homeowners pay an average of $135 monthly or $1,620 yearly for home insurance, ranking thirty-seventh nationally for affordability.
Determine your coverage needs, gather multiple quotes and research providers to find the best home insurance in West Virginia for your situation.
MoneyGeek's free home insurance calculator helps you estimate costs in seconds without providing any personal information to get started.
How Much Is Home Insurance in West Virginia?
| West Virginia | $1,620 | $3,467 | -53% |
*These rates are for a frame construction home built in 2000 with $250,000 dwelling, $125,000 personal property, $200,000 liability coverage and a $1,000 deductible.
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$220
High
$144
Average
$104
Low
Rates updated:
Feb 07, 2026
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What Affects Average West Virginia Home Insurance Costs?
West Virginia home insurance costs vary based on multiple factors. Your location, coverage limits, home's construction type, insurance company, credit score and claims history all impact your premium. Each of these elements plays a different role in determining what you'll pay for coverage.
Average Cost of West Virginia Home Insurance by Company
Home insurance costs in West Virginia vary dramatically by company. Progressive charges an average of $2,860 annually, while AAA offers coverage for just $919 per year. That means Progressive costs over three times more than the most affordable option available to homeowners.
| AAA | $77 | $919 |
| USAA | $103 | $1,241 |
| Westfield Insurance | $107 | $1,284 |
| Nationwide | $121 | $1,448 |
| State Farm | $122 | $1,463 |
| Erie | $144 | $1,726 |
| Allstate | $168 | $2,019 |
| Progressive | $238 | $2,860 |
Average West Virginia Home Insurance Cost by City
West Virginia homeowners pay between $118 and $163 monthly depending on location. Idamay offers the lowest average premium at $118 monthly, while Lenore residents face the highest costs at $163 monthly. Most major population centers like Charleston ($135) and Huntington ($137) fall near the middle of this range.
| Charleston | $135 | $1,620 |
| Huntington | $137 | $1,648 |
| Idamay | $118 | $1,411 |
| Lenore | $163 | $1,957 |
| Martinsburg | $122 | $1,463 |
Average West Virginia Homeowners Insurance Pricing by Coverage Level
West Virginia homeowners pay between $931 and $5,138 annually for home insurance, depending on their coverage selections. Choosing higher coverage limits and lower deductibles pushes premiums up, while selecting lower coverage amounts and higher deductibles brings costs down.
| $100K Dwelling / $50K Personal Property / $100K Liability | $78 | $931 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $135 | $1,620 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $219 | $2,626 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $326 | $3,914 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $428 | $5,138 |
REVIEW YOUR POLICY ANNUALLY
Many West Virginia homeowners overpay because they never review their coverage after the initial purchase. Set a calendar reminder each year to reassess your policy. Your home's value may have changed, you might qualify for new discounts, or competitors might offer better rates. Annual reviews ensure you're not paying for coverage you no longer need while identifying potential savings opportunities.
Average West Virginia Home Insurance Cost by Credit Score
Your credit profile affects home insurance costs in West Virginia. Excellent credit earns you $92 monthly premiums, while poor credit pushes costs to $253 monthly. The $161 monthly difference between excellent and poor credit adds up to $1,932 in annual savings for homeowners who maintain strong financial health.
| Excellent | $92 | $1,099 |
| Good | $135 | $1,620 |
| Below Fair | $193 | $2,311 |
| Poor | $253 | $3,033 |
West Virginia Homeowners Insurance Costs by House Age
Your home's construction date directly affects insurance premiums in West Virginia. Newer properties built around 2020 average $85 monthly, while older homes constructed around 1980 face the highest premiums at $141 monthly, reflecting increased maintenance risks and outdated building systems.
| Newer | $85 | $1,025 |
| Middle Age | $135 | $1,620 |
| Older | $141 | $1,688 |
Why Is Home Insurance So Affordable in West Virginia?
West Virginia ranks among the nation's most affordable states for home insurance, with premiums 53% below the national average. Several factors contribute to these lower-than-average costs.
Competitive Insurance Market
West Virginia hosts over 100 licensed property insurers, giving homeowners substantial choice when shopping for coverage. This competition forces companies to offer attractive rates and discounts to win business.
Minimal Hurricane and Wildfire Exposure
West Virginia's landlocked geography shields it from hurricane damage and catastrophic wildfire risks that plague coastal and western states. The National Oceanic and Atmospheric Administration reports that between 1980 and 2024, West Virginia experienced only 18 severe storm events, eliminating a major cost driver that inflates premiums in states like Florida and Louisiana.
Lower Property Values
West Virginia's median home value of $155,600 sits well below the national median of $303,400, according to the U.S. Census Bureau's 2023 American Community Survey. Lower property values mean lower dwelling coverage limits, which directly translate to reduced premiums since insurers face smaller potential payouts when claims occur.
Tips to Save on West Virginia Home Insurance
Home insurance costs continue rising, but you can find the cheapest home insurance in West Virginia for your budget.
- 1Calculate Coverage Needs
Determine your home's replacement cost based on current construction prices, not market value. Create an inventory of belongings to establish personal property coverage requirements.
West Virginia homeowners in Charleston should consider add-ons like water backup coverage due to flooding risks, while those in Morgantown might prioritize scheduled personal property coverage for valuable items.
- 2Research Costs and Discounts
Use MoneyGeek's West Virginia home insurance calculator to estimate fair rates based on your property's location, age and size. Ask insurers about available discounts when getting quotes. Many companies offer savings for security systems, newer homes, claim-free records and protective devices like smoke detectors or storm shutters, which can reduce premiums .
- 3Compare Multiple Providers
Request quotes from at least three insurance companies to ensure competitive pricing. Premium cost matters, but don't ignore customer satisfaction ratings, claims processing efficiency, and financial strength grades.
A Parkersburg-area insurer offering lower rates provides no value if they deliver poor service or delay claim payments when you need assistance most.
- 4Bundle Home and Auto
Bundling your home and auto policies with one provider gives discounts ranging from 10% to 25% in West Virginia. Huntington-area homeowners benefit from this strategy. Most insurers offer attractive bundled rates that reduce costs on both policies while streamlining your insurance management.
- 5Lower Your Risk Profile
Add safety features like smoke detectors, security systems, or storm shutters to qualify for premium reductions. Maintaining a claim-free record saves $258 to $475 annually compared to filing claims. Boosting credit from below fair to good cuts premiums by roughly 30%.
Calculate West Virginia Homeowners Insurance Costs: FAQ
West Virginia homeowners insurance costs differ based on your home's features and location. These FAQs help you understand what affects your rates and estimate potential premiums for your property.
How much will my premium increase after filing a claim in West Virginia?
Filing a claim in West Virginia increases your premium by $258 for one claim and $475 for two claims compared to claim-free customers. West Virginia homeowners without claims pay $1,620 annually on average.
One claim raises your rate to $1,878 per year. Two claims bring your annual cost to $2,095. Claims remain on your record for five years, meaning you'll face these elevated rates throughout that entire period.
How much can I save by choosing a different insurer in West Virginia?
Shopping around for home insurance in West Virginia can save you thousands of dollars annually. The rate differences between companies are substantial. AAA offers the most affordable coverage at $77 monthly, while Progressive charges $239 per month for similar protection.
Even mid-tier insurers show cost variations. Nationwide averages $121 monthly compared to State Farm's $122, creating a $1 difference that adds up over time.
What discounts can lower my West Virginia home insurance premium?
West Virginia insurers offer multiple discount opportunities that can reduce your costs. Common discounts include bundling home and auto policies (10% to 25% savings), installing security systems, maintaining a claim-free history, and adding protective devices like smoke detectors or storm shutters.
Many companies also provide discounts for newer homes, retirees, and loyalty to the same insurer.
Why does home insurance cost more for older homes in West Virginia?
Home insurance premiums jump for older properties in West Virginia. Older homes cost 65% more to insure than newer ones annually. A newer home built around 2020 averages $1,025 per year, while an older home from around 1980 costs $1,688 annually. That's a $663 difference.
Homes built around 2000 fall between these at $1,620 per year. Insurance companies charge higher rates for older homes because aging systems create more risk. Outdated electrical wiring, older plumbing, and deteriorating roofing are more likely to fail and cause damage claims.
How does my deductible choice affect my West Virginia home insurance premium?
Your deductible directly impacts your premium. Higher deductibles lower your monthly costs while increasing your out-of-pocket expenses when you file a claim.
Raising your deductible from $1,000 to $2,500 reduces your premium by 10% to 20%, while a $5,000 deductible can cut costs by 20% to 30%. Choose a deductible you can afford to pay if you need to file a claim, balancing immediate savings against potential future expenses.
How We Analyzed West Virginia Home Insurance Rates
MoneyGeek calculated West Virginia home insurance estimates by analyzing real premium data across multiple factors that affect your costs. This approach shows how your specific situation influences what you'll pay beyond basic advertised rates.
We built our analysis around a standard homeowner profile in West Virginia: $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage, and a $1,000 deductible. The model assumes a home built in 2000 with frame construction, a composition roof, and no claims filed in the past five years.
This profile matches typical West Virginia homeowners and reflects median home values across the state. The 2000 construction year represents the most common home age category, making our comparisons relevant to real homeowner situations.
Our methodology changed one factor at a time while keeping everything else the same. For example, when testing how home age affects premiums, we compared houses built in 1980, 2000, and 2020 while maintaining identical coverage amounts and homeowner characteristics. This process reveals exactly how much each factor impacts your premium.
Your actual rates will be different depending on your home's construction, roof condition, location, coverage choices, claims history, credit score, and insurance company. The rate differences shown here demonstrate how much these factors matter when you shop for coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- NOAA. "West Virginia Summary." Accessed January 6, 2026.
- US Census Bureau. "Quick Facts: West Virginia." Accessed January 6, 2026.