In West Virginia, home insurance costs about $148 monthly or $1,777 per year. That's $72 less each month than the national average, making West Virginia the 19th most affordable state for coverage. West Virginia homeowners save roughly $857 annually compared to the typical U.S. homeowner.
Average Home Insurance Cost in West Virginia
Updated: May 31, 2025
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Rates updated:
Jun 06, 2025
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Key Takeaways
Depending on your financial history, home details and other personal information, home insurance costs in West Virginia can range from $2,112 to $13,399.
West Virginia's home insurance premiums are the 19th most affordable in the country, at 33% below the national average.
To find the best home insurance in West Virginia, determine what coverage you need beforehand, research costs and discounts in your area, and shop around.
How Much Is Home Insurance in West Virginia?
| West Virginia Average | $148 | $1,777 | -33% |
| National Average | $220 | $2,635 | 0% |
*These rates represent a home built in 2000 out of frame with $250,000 Dwelling, $125,000 Personal Property and $200,000 Liability coverage with a $1,000 deductible.
Why Is Home Insurance So Expensive in West Virginia?
Home insurance costs in West Virginia are mainly influenced by the increasing number of claims, the high risk of severe weather and natural disasters, rising material and labor costs, and state insurance laws. Below, we explain each factor in detail:
Rising Claims
When more homeowners file claims, insurance companies raise rates to cover their payouts. If your neighborhood sees a rise in storm damage claims, expect your premiums to climb even if you haven't filed a claim yourself.
High Weather Risks
West Virginia faces weather risks like flooding, severe storms and occasional winter damage. If you live in a flood-prone area or somewhere that sees frequent hail, you'll likely pay more for coverage.
Rising Material and Labor Costs
When the costs for construction materials and labor increase, home repairs become more expensive. Insurers raise premiums to account for these higher potential claim payouts.
State Insurance Laws
West Virginia insurance regulations can affect home insurance prices. Mandates on coverage requirements or how insurers can set rates can lead to variations in insurance costs.
What Affects West Virginia Home Insurance Costs?
Like with most home insurance companies, pricing is mainly influenced by these factors:
- Coverage chosen
- Home build details
- Provider chosen
- Credit
- Claims history
Next, we'll explore how each factor impacts rates in West Virginia.
How Much Does Coverage Affect Home Insurance Costs?
Coverage choice is the most influential factor in West Virginia home insurance rates, with costs ranging from $884 to $5,911 per year. Higher coverage limits and lower deductibles increase premiums, while lower limits and higher deductibles reduce costs.
| Lowest | $100K Dwelling / $50K Personal Property / $100K Liability | 2000 | $74 | $884 |
| Highest | $1MM Dwelling / $500K Personal Property / $1MM Liability | 500 | $493 | $5,911 |
How Much Do Home Details Affect Home Insurance Costs?
Home details like age, construction materials and roof type are the second most influential factor in West Virginia homeowners insurance rates, averaging from $74 to $156 per month. These factors affect replacement costs and the risk of damage or theft, leading to significant rate differences.
| Lowest | New | Superior | Tile | $74 | $892 |
| Highest | Old | Masonry | Shake-Treated | $156 | $1,874 |
How Much Does the Provider You Choose Affect Home Insurance Costs?
Your choice of insurer is the third most influential factor in West Virginia home insurance rates, with prices ranging from 32% below to 42% above the state average. Selecting the right provider can provide substantial savings, so consider your options carefully.
| Lowest | USAA | $96 | $1,150 |
| Highest | ASI | $201 | $2,414 |
How Much Does Credit Affect Home Insurance Costs?
A higher credit score makes you appear more reliable, which can lower your home insurance costs. Premiums vary by up to 69%, with annual average rates ranging from $1,348 to $4,328.
| Lowest | Excellent | $112 | $1,348 |
| Highest | Poor | $361 | $4,328 |
How Much Does Claims History Affect Home Insurance Costs?
In West Virginia, claims history impacts home insurance premiums less than other factors, affecting rates by up to 61% or about $1,031 annually. Filing more claims increases perceived risk, leading to higher premiums. With a claim-free history, you could pay around $1,699 annually, while two claims in five years might raise it to $2,730.
| Lowest | Claim free for 5+ years | $142 | $1,699 |
| Highest | 2 claims in past 5 years | $228 | $2,730 |
Tips to Save on West Virginia Home Insurance
While home insurance costs can vary significantly in West Virginia, it's important to find ways to save on premiums when buying a home or cutting current expenses. Below are tips to help you secure the best and cheapest home insurance in West Virginia tailored to your needs.
- 1
Find How Much Coverage You Need Beforehand
Determining how much home insurance you need before buying allows you to frame how you search for coverage and avoid being oversold by agents. In addition to standard coverage options, consider if you need add-ons to protect any additional items you own.
- 2
Research Costs and Discounts Beforehand
To determine if you’re getting a good deal, understand the average costs for you and your home. Also, ask agents about all available home insurance discounts, as some insurers apply certain reductions only if requested.
- 3
Compare Multiple Providers Through Different Avenues
Compare multiple insurers apples to apples to find the best coverage for your needs. Use various methods, including online comparison sites, brokers, provider websites, and agents, as quotes vary significantly across these channels.
- 4
Consider Bundling Policies
Bundling policies can lead to significant savings. For example, combining home and auto insurance in West Virginia can save you up to 15% on home insurance and $650 annually on both policies.
- 5
Reduce Your Personal Risk Profile
To get cheaper premiums on your home, consider making improvements like adding storm shutters or home security systems. Also, improving your credit score can decrease premiums drastically. For example, moving from a fair to a good credit score can save you 28% on average.
- 6
See if You Are Eligible for State Programs
If you're denied traditional home insurance coverage, check West Virginia state programs to help get affordable coverage. While these don't offer the same coverage amount as traditional policies, they meet mortgage requirements.
West Virginia Home Insurance Calculator: Bottom Line
Home insurance costs vary, mainly due to coverage level and home details. To find affordable rates easily, identify your needs and typical costs, then try our estimate tool for the best deal.
Homeowners Calculator Insurance West Virginia: FAQ
Homeowners insurance costs in West Virginia depend on many factors. MoneyGeek provides answers to common questions about home insurance, helping you estimate your expenses and find affordable options.
How much does homeowners insurance cost in West Virginia?
West Virginia's average monthly home insurance cost is $148 for a dwelling coverage of $250,000. However, your rate will depend on factors like your credit score, liability and property coverage limits, and deductible.
How do I know how much dwelling coverage to get?
Homeowners can estimate their required dwelling coverage by calculating the cost to replace their home after damage, often with help from an appraiser. While this study uses a baseline coverage of $250,000, you can use the MoneyGeek homeowners insurance calculator to find the best coverage limit for your needs.
What factors affect home insurance costs the most?
The biggest factors affecting home insurance costs are your chosen coverage level and provider. Your credit score and home details also affect your rates.
How We Determined Our West Virginia Home Insurance Estimates
When determining the average cost of home insurance in West Virginia, we used a base profile for a simple estimate consistent with the following:
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Home Built Year: 2000
- Construction type: Frame
- Roof type: Composition
- $1,000 deductible
- No claims in the past 5+ years
- Fire protection level of 3
However, rates will vary widely depending on factors such as coverage level, provider chosen, the age of the home, other features of the home, insured credit and claims history, among other factors. All other combinations presented in this article assume the home was built in 2000.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.