Who Has The Cheapest Motorcycle Insurance Quotes In West Virginia?

The Mountain State, named for the Appalachian Mountains throughout it, is a great place to own a motorcycle. It has a rich cultural history and is a trove of outdoor pursuits. To see who had the best motorcycle insurance rates in West Virginia, we obtained quotes for a sample rider with bodily injury protection of $100,000 per person/$300,000 per accident. Our study showed the most expensive place for the sample policy was 2.5x the cost of the cheapest motorcycle insurer in West Virginia.

Cheapest Motorcycle Insurance In West Virginia

We collected quotes in West Virginia across 36 cities and towns to show which insurance companies generally had the most affordable motorcycle insurance rates in the state. The three major carriers we surveyed were: GEICO, Dairyland and Progressive. The average cost of motorcycle insurance in West Virginia is $618 per year.

ValuePenguin analyzed available data and found GEICO had the best motorcycle insurance rates in West Virginia for a sample policy and rider.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

We found a wide range in premiums, based on our sample 45 year old motorcycle rider, of $591 between the highest and lowest rates. GEICO ranked as the carrier with the best rates for insuring the motorcycle in our analysis, with costs that were 38% lower than the state mean. The rates you'll see for your motorcycle will depend on your driving background and location, and we recommend getting at least three quotes so you have a range of options to choose from.

Best Motorcycle Insurance Rates In West Virginia: By City

Our analysis of motorcycle insurance quotes in West Virginia showed results unlike those in most other states, where we performed an identical study with the same sample policy and rider. Typically, the larger cities in a state have higher premiums than other cities but that wasn't the case in West Virginia. There are two likely reasons that motorcycle insurance quotes for the sample policy and rider were similar across West Virginia. The state is not very big and pricing factors are probably similar across the entire geography of the state. West Virginia's cities are also relatively similar in size – the five largest cities all have about 50,000 residents or fewer.

Rank

CityAverage Annual Rate% Difference vs State Average

1

Charleston$6596.6%

2

Huntington6596.6%

3

Morgantown601-2.8%

4

Parkersburg6627.1%

5

Wheeling601-2.8%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Charleston, WV

The capital and largest city in the state of West Virginia has roughly 50,000 residents and is the center of a metropolitan area with more than 225,000. It is home to the McLaughlin Air National Guard Base of the West Virginia Air National Guard. Motorcycle insurance rates there were 6.6% higher than the West Virginia average.

Huntington, WV

Huntington is located at the confluence of the Guyandotte and Ohio rivers. It's metropolitan area is the largest in West Virginia, with more than 360,000 residents and is home to Marshall University. Insuring our sample motorcycle, policy and rider in Huntington cost about 6.6% higher than elsewhere in the state.

Morgantown, WV

The largest city in north-central West Virginia has about 30,000 residents and is on the bank of the Monongahela River. West Virginia University is located in Morgantown, which is divided into distinct neighborhoods. Morgantown had some of the cheaper motorcycle insurance in WV, with our benchmark policy costing 2.8% less than the state average.

Parkersburg, WV

At the confluence of the Ohio and Little Kanawha rivers is Parkersburg, a city with a population of about 30,000 residents and part of a metropolitan area that includes the Ohio city of Marietta. The Bureau of the Public Debt, an agency within the U.S. Department of the Treasury, was once located in Parkersburg. Motorcycle insurance rates there were 7.1% higher than the West Virginia average.

Wheeling, WV

Wheeling is on the bank of the Ohio River in northern West Virgina. It is a major transport route and home to about 28,000 people and the heart of a metropolitan area with more than 145,000. Our profiled rider in Wheeling paid 2.8% less for his motorcycle insurance compared to living elsewhere in WV.

Most Expensive Motorcycle Insurance In West Virginia

With the exception of Culloden, most of the West Virginia's cities have motorcycle insurance rates relatively similar to the state average. Aside from Culloden, the next five places with the most expensive quotes were all within 7.1% of West Virginia's average rate.

Rank

CityAverage Annual Rate% Difference vs State Average

1

Culloden$75522.2%

2

Parkersburg6627.1%

3

Charleston6596.6%

4

Huntington6596.6%

5

Logan6596.6%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Culloden, WV

Cullodne is a small Census designated place in the western part of the state with about 3,000 residents. Charleston is just east of Culloden and motorcycle insurance premiums in the place are the highest in the state. Quotes for the sample policy and rider in Cullodne were 22.2% higher than the state average.

Parkersburg, WV

Parkersburg, a city with a population of about 30,000 residents, is at the confluence of the Ohio and Little Kanawha rivers. It is part of a metropolitan area that includes the Ohio city of Marietta and once home to the Bureau of the Public Debt, an agency within the U.S. Department of the Treasury. Motorcycle insurance rates there were 7.1% higher than the West Virginia average.

Charleston, WV

Charleston is the capital and largest city in West Virginiam with roughly 50,000 residents. It's also the center of a metropolitan area with more than 225,000 and home to the McLaughlin Air National Guard Base. Motorcycle insurance rates there were 6.6% higher than the West Virginia average.

Huntington, WV

Huntington is home to almost 50,000 residents and Marshall University. It's at the confluence of the Guyandotte and Ohio rivers and known as a hub for business and education in the state. Motorcycle insurance quotes for the sample policy and rider in Huntington were also 6.6% higher than the state average.

Logan, WV

The city of Logan has about 1,750 residents and is the seat of Logan County. Among a number of other famous people, Olympic skeleton racer silver medalist Lea Ann Parsley is from Logan. Motorcycle insurance rates there were 6.6% higher than the state average.

Average Motorcycle Insurance Rates In West Virginia: By City

This comparative study of motorcycle insurance premiums in West Virginia was done by gathering and analyzing quotes from three major carriers across 36 municipalities and census-designated places. Our analysis showed premiums quoted for the most expensive place were 23.2% higher than the cheapest.

ValuePenguin analyzed motorcycle insurance quotes for a sample policy and rider in West Virginia and found the average premium was $618.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 36 municipalities and census-designated places in the state of West Virginia. The quotes we gathered were from three major carriers: Progressive, Nationwide and GEICO. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500. The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

Rank

CityAverage Annual Rate% Difference vs State Average

12

Beckley$598-3.2%

13

Bluefield598-3.2%

28

Charleston6596.6%

23

CharlesTown601-2.8%

4

Clarksburg592-4.2%

10

Cross Lanes592-4.2%

36

Culloden75522.2%

1

Elkins580-6.2%

16

Fairmont601-2.8%

2

Grafton580-6.2%

5

Grantsville592-4.2%

29

Huntington6596.6%

11

Keyser594-3.9%

14

Lewisburg598-3.2%

30

Logan6596.6%

24

Madison611-1.2%

15

Marlinton598-3.2%

17

Martinsburg601-2.8%

25

Moorefield6464.6%

18

Morgantown601-2.8%

22

Moundsville601-2.8%

35

Parkersburg6627.1%

3

Petersburg583-5.7%

6

Point Pleasant592-4.2%

7

Ripley592-4.2%

26

Romney6464.6%

33

Saint Albans6596.6%

19

Shepherdstown601-2.8%

32

South Charleston6596.6%

8

Sutton592-4.2%

34

Vienna6596.6%

27

Wayne6495.0%

20

Weirton601-2.8%

West Virginia Average6180.0%

9

Weston592-4.2%

21

Wheeling601-2.8%

31

Williamson6596.6%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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