We gathered insurance quotes for a sample 2,000 square foot home in 36 cities in the state of West Virginia in order to determine which cities had the highest and lowest annual home insurance costs. Based on this sample property, West Virginia homeowners pay on average $1,657 per year for home insurance. Overall, State Farm offered the most affordable homeowners insurance quotes for the state. Read more about our findings below, or use our quote tool above to start finding homeowners insurance quotes in your area.
- Cheapest Home Insurance Companies
- Homeowners Insurance Rates in West Virginia's Largest Cities
- Top 5 Least Expensive Cities for Home Insurance in West Virginia
- Top 5 Most Expensive Cities for Home Insurance in West Virginia
Cheapest Home Insurance Companies in West Virginia
We evaluated quotes for our sample home across 36 cities from State Farm, Allstate and Nationwide. Quotes from each company were averaged to find which insurers had the least expensive home insurance rates in West Virginia. The graph below shows the average annual costs to insure our sample home by company:
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Homeowners Insurance Rates in West Virginia's Largest Cities
We collected homeowners insurance rates across the largest cities in West Virginia. Our study applied control variables to gather comparable quotes. On average, the homeowners in the ten most populous cities pay 7% less than the state mean for homeowners insurance. The cost for home insurance in the ten largest cities was an average of $1,536 per year.
Charleston, the capital of West Virginia, is the most populous city in the state. The Kanawha state forest is located about seven miles from downtown Charleston. In addition, the Kanawha River runs through the city and connects to the Elk River near the center of Charleston. The average cost of home insurance in Charleston was $1,432 per year, according to our research, which is 14% less expensive than the state mean.
Nationwide offered the most expensive home insurance quote in the Charleston area at $1,489 annually. State Farm, the most affordable insurer in the state, quoted our sample home an annual cost of $1,400. Charleston ranked as the tenth most affordable city for homeowners insurance of the 36 cities in our study.
Huntington is the second largest city in the state of West Virginia. It is located on the Ohio River, which connects to the Guyandotte River in the northeastern part of the city. Huntington is home to Marshall University, which happens to be its largest employer. On average, residents of Huntington pay $1,590 for homeowners insurance annually. Home insurance rates in Huntington are 4% lower than the average in West Virginia.
State Farm quoted the least expensive rate in Huntington at $1,429 per year. This quote is $384 less expensive than the quote of $1,813 provided by Allstate. Our study found that homeowners in the city of Huntington save 4% on their home insurance compared to the state mean. Huntington ranked as the fourth least affordable city compared to the ten largest cities in the state.
Parkersburg is the third most populous city in West Virginia. The city has over 130 acres of parkland and multiple entertainment venues. Every year, the city's Taste of Parkersburg event brings thousands of foodies and wine lovers to downtown Parkersburg. Based on our research, the average homeowners insurance quote in the city was $1,598. Residents of Parkersburg pay 4% less for their homeowners insurance than the state mean.
Allstate and Nationwide quoted rates within $29 of each other for our sample home. The two insurance companies quoted annual costs of $1,763 and $1,734, respectively. State Farm offered the most affordable rate of $1,298, which costs $465 less than Allstate and $436 less than Farmers.
Morgantown, known as the home of West Virginia University (WVU), is the fourth largest city in the state. The University is the city's top employer with more than 7,600 employees. The WVU Medical sector employs an additional 6,000 people in the city. The average annual homeowners insurance quote in Morgantown was $1,689 per year, which is 2% more than the state's average.
State Farm and Nationwide quoted home insurance rates of $1,224 and $1,354 for Morgantown. Allstate’s quote of $2,489 was over twice the amount quoted by State Farm and $1,135 more than the quote offered by Nationwide. Nationwide’s quote was the only rate in the city that was higher than the state average.
Wheeling was the first capital of West Virginia before the title moved to Charleston. It is now the fifth largest city in the state and home to the Capitol Theatre, which is the largest theater in West Virginia. The mean home insurance rate in Wheeling was $1,428, which is $229 less than the state average.
If you’re looking for affordable home insurance rates in Wheeling, we suggest starting with State Farm which quoted our sample home a cost of $1,224 annually. Nationwide offered the least affordable rate at $1,735 per year, which is $511 more per year than State Farm. Wheeling offered the ninth least expensive home insurance rates, on average, out of the 36 cities in our study.
Weirton is the sixth most populous city within the state. The city is bordered to the east by Pennsylvania and to the west by Ohio. It is so close to these states that it is considered part of the Pittsburgh Metropolitan area. The average home insurance quote for our sample home in Weirton was $1,416, which is 15% more affordable than the state mean. Weirton ranked as the second most affordable city for home insurance out of the ten most populous cities in West Virginia.
Home insurance rates in Weirton vary by as much as $1,042. The most affordable rate in the area was offered by Nationwide, at a cost of $997. The second least expensive rate was offered by Allstate at $1,212. The most expensive rate was offered by State Farm, the most affordable insurer in the state overall, at $2,038.
Fairmont is the seventh largest city in the state. The city is located in the north of West Virginia where the Monongahela River and the West Fork River meet at the border and flow into the Tygart Valley River. Our research found that the average home insurance premium in Fairmont was $1,541, which is $115 less than the average in the state of West Virginia.
State Farm offered a quote of $1,166, which is $265 cheaper than the rate of $1,431 offered by Nationwide. Allstate quoted the least affordable rate at $2,027. Fairmont ranks near the middle for affordable home insurance rates in West Virginia, landing at 19th most affordable of the 36 cities in our study.
Beckley is the eighth largest city in West Virginia. It is known for two tourist attractions, Tamarack and the historic Beckley Exhibition Coal Mine. Tamarack is an arts and crafts facility that sells West Virginia craft products, such as wood, glass, and pottery. We found the mean annual home insurance cost in Beckley to be $1,493. On average, residents of Beckley pay 10% less for their home insurance than the state mean.
State Farm and Allstate quoted our sample home an annual home insurance cost of $1,382 and $1,458, respectively. Nationwide offered a quote of $1,638, which is $256 and $180 more than the quotes offered by State Farm and Allstate. Despite this, all quotes offered in Beckley were lower than the state average.
Martinsburg is the ninth most populous city in West Virginia. The city is rich in Civil War and industrial history with many historical buildings throughout, including museums and houses of military officials. Martinsburg has an average homeowners insurance rate that is 15% higher than the state mean. Residents pay an average of $1,897 a year for homeowners insurance.
State Farm quoted the cheapest home insurance quote in the area at $1,346. Allstate offered the most expensive home insurance quote at $2,310, which is $275 more expensive than Nationwide’s quote of $2,035. Martinsburg is the most expensive city for home insurance of the ten largest cities in West Virginia.
Clarksburg is the tenth largest city in the state of West Virginia. It is located in the north region of the state at the intersection of two large highways, the Interstate 79 and U.S. Route 50. The average homeowners insurance rate in Clarksburg was $1,272. This rate is $385 lower than the state average, which represents a 23% discount.
State Farm offered the lowest quote in the city at a cost of $1,143. The second most affordable homeowners insurance quote gathered was offered by Allstate with a premium $1,299. Nationwide offered the most expensive quote at $1,374 per year. Clarksburg ranked as having the second most affordable homeowners insurance compared to the 36 cities in our study.
Least Expensive Homeowners Insurance in West Virginia: by City
The graph below shows the five most affordable cities of all 36 cities that were part of this study. The cities are listed in order of mean price starting with the lowest average home insurance quote and ascending. The figures listed in the graph represent the average home insurance rate in each city. Charles Town is the cheapest city in West Virginia for homeowners insurance. Residents pay $1,241 annually on average, which is $416 lower than the state mean.
Charles Town, WV
As previously mentioned, Charles Town is the most affordable city in the state of West Virginia for homeowners insurance. On average, residents pay $31 less for their homeowners insurance policy than the next most affordable city in West Virginia, Clarksburg. State Farm offered the least expensive quote at an annual rate of $1,166.
Clarksburg ranks as the second least expensive city in West Virginia for home insurance of the 36 cities sampled in West Virginia. The mean home insurance quote in the city was $1,272, which is $385 cheaper than the state average. The most affordable quote in Clarksburg was offered by State Farm at $1,143 per year.
Lewisburg offers the third most affordable rate in the state for homeowners insurance. The average home insurance quote gathered for the city of Lewisburg was $1,329, which is $327 less than the state mean. On a percentage basis, this represents a 20% discount.
Moorefield has the fourth cheapest home insurance rates in the state of West Virginia. Residents pay on average $1,335 per year, which is $322 less than the state mean. State Farm offered the lowest rate in the city at $1,081 annually.
Bluefield is ranked the fifth least expensive city in West Virginia for home insurance. On average, residents pay $1,369 for home insurance, which represents a 17% lower rate when compared to the state mean. On an annual basis, residents save $288 on homeowners insurance compared to the state average.
Most Expensive Homeowners Insurance in West Virginia: by City
The graph below shows the five least affordable places of all 36 cities from our study. The cities are listed in order of price starting with the highest average rate and descending. The figures listed represent the average home insurance rate in each city. The most expensive city for homeowners insurance was Cross Lanes where our research found an average annual rate of $2,527, which is $870 higher than the state average.
We studied 36 cities, spread out geographically in the state of West Virginia. The sample home we looked at was built in the year 2000 and had 2,000 square feet. The property cost $200,000 and had an attached garage. Quotes for this home were collected from State Farm, Allstate and Nationwide insurance companies. The rates were then averaged to arrive at a mean value for each city. Below, we've prepared an alphabetical list of all the cities included in our analysis. We've displayed all cities from Beckley to Williamson with the average annual cost of insurance for the benchmark property and how much each city costs relative to the statewide average.
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