Updated: January 19, 2026
Advertising & Editorial Disclosure
AAA offers West Virginia's cheapest homeowners insurance rates at $919 annually,
AAA, USAA, Westfield, Nationwide and State Farm cost 10% to 43% below the $1,620 state average.
Bundle your home and auto insurance policies to save 10% to 25% on premiums — one of the biggest discounts West Virginia insurers offer.
AAA is the cheapest home insurance company in West Virginia st $919 per year. USAA ranks second at $1,241 annually, though eligibility is limited to military members, veterans and their families. The five most affordable insurers deliver savings between $157 and $701 compared to the state average.
| AAA | $77 | $919 | -43% |
| USAA | $103 | $1,241 | -23% |
| Westfield Insurance | $107 | $1,284 | -21% |
| Nationwide | $121 | $1,448 | -11% |
| State Farm | $122 | $1,463 | -10% |
*The rates above are for homeowners ages 41 to 60 with good credit and no claims history. Quotes are for a home built in 2000 insured for $250,000 in dwelling coverage, $125,000 in personal property coverage and $200,000 in liability coverage with a $1,000 deductible.
According to our cost research, AAA offers West Virginia's lowest home insurance rates across all categories. Newer homes average $600 annually with AAA, while larger homes cost $1,101.
| Older Homes | AAA | $997 |
| Newer Homes | AAA | $600 |
| Young Homeowners | AAA | $928 |
| Senior Homeowners | AAA | $905 |
| High-Risk Fire Homes | AAA | $1,030 |
| Smaller Homes | AAA | $951 |
| Larger Homes | AAA | $1,101 |
The cheapest company may not be your best fit. Customer service quality, coverage options and claims handling matter beyond price. Our guide to the best home insurance companies in West Virginia compares insurers across these factors.
The cheapest home insurance provider varies across West Virginia based on local risk factors that affect insurer pricing. AAA offers the lowest rates in cities like Charleston and Huntington, but other providers may be more affordable in different areas.
| Charleston | AAA | $907 |
| Huntington | AAA | $924 |
| Idamay | AAA | $822 |
| Lenore | AAA | $1,123 |
| Martinsburg | AAA | $819 |
For basic $100,000 dwelling coverage in West Virginia, AAA offers the lowest rate at $528 annually and continues to provide the most affordable premiums for mid-range and high-value homes. AAA is also the most affordable option for premium coverage levels, such as $1 million dwelling protection.
| AAA | $44 | $528 |
| USAA | $63 | $762 |
| Nationwide | $69 | $823 |
| State Farm | $70 | $839 |
| Erie | $73 | $876 |
West Virginia homeowners can cut their insurance costs by hundreds of dollars annually through discounts, higher deductibles and smart home improvements.
Combine your home and auto insurance with the same company to save 10% to 25% on both policies. State Farm, Allstate and Progressive offer bundle discounts to West Virginia homeowners.
Raise your deductible to lower your annual premium, though you'll pay more out of pocket when filing a claim. Choose a deductible amount you can afford if you need to file a claim.
West Virginia allows insurers to use credit-based insurance scores when setting rates. Improving your credit score can save you hundreds of dollars annually on your home insurance premium.
Filing multiple claims within three years triggers rate increases. Use homeowners insurance for major losses rather than small repairs you can afford.
Contact your insurer to find all discounts you qualify for beyond bundling. Review your policy annually to add new discounts as your situation changes.
Frequently asked questions about the cheapest home insurance in West Virginia:
Standard homeowners insurance in West Virginia covers tornado damage to your dwelling and personal property. Any flood damage won't be covered, as that requires separate flood insurance. West Virginia has moderate tornado risk, with some areas seeing more frequent activity than others.
Flood insurance isn't required statewide, but mortgage lenders mandate it if your home is in a FEMA-designated high-risk flood zone. Even if not required, consider purchasing flood coverage since standard homeowners insurance doesn't cover flood damage, which could mean high out-of-pocket costs if flooding occurs.
Replacement cost coverage pays the full amount to rebuild or replace your damaged property at today's prices, without subtracting for depreciation. Actual cash value coverage factors in depreciation, so you'd receive less money based on your property's current worth. Most West Virginia lenders require replacement cost coverage to protect their investment.
You can cancel your West Virginia home insurance policy anytime, though your insurer might charge cancellation fees. You'll receive a prorated refund for unused premium. Mortgage lenders require continuous coverage, so any gap could result in penalties or expensive force-placed insurance.
Our rate analysis reflects what most West Virginia homeowners need: standard coverage for a typical single-family home built within the past 25 years.
We collected quotes from major insurers using a consistent homeowner profile across West Virginia. This approach shows how each company prices the same coverage by removing variables that make direct comparisons difficult. The base profile represents the most common home insurance scenario in West Virginia.
Standard Coverage Profile:
For specialty scenarios like older homes, high-value properties and rural locations, we adjusted variables from this base profile while keeping other factors constant. This shows how specific characteristics affect your rate compared to the standard homeowner.
These figures are estimates based on statewide averages. Your actual premium depends on your home's location, age, construction type and your claims history. Compare quotes from at least three insurers to find your lowest rate.
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.
