Who Has The Cheapest Renters Insurance Quotes in West Virginia?

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To see who has the cheapest and most expensive renters insurance rates in West Virginia, we evaluated quotes for a sample property (a rental property with roughly 1,000 square feet of living space and $100,000 in liability coverage). The results showed the most expensive renters insurance rates were 18% higher than the cheapest. Since we used one sample property, the rates have comparative value, but are not indicative of what all tenants can expect to pay for their renters insurance. Enter your zip code above to begin searching for renters insurance quotes.

Cheapest Renters Insurance in West Virginia

We conducted a study to find which company provided the cheapest renters insurance in West Virginia. Using quotes that we collected from State Farm, Amica, Allstate, GEICO, and Liberty Mutual for a 1,000 square-foot residence, we found that Allstate provided the most affordable insurance at an average annual rate of $207. This rate is about 23% lower than the average rate for West Virginia. Below are the average annual rates for the five major companies, ranked from cheapest to most expensive: 

RankCheapest Renters Insurance CompanyAverage Annual Rates
1 Allstate $207
2 State Farm 221
3 Amica 243
4 GEICO 303
5 Liberty Mutual 369
Average 269

The above rates were for a profiled property. To determine which insurance company can provide the lowest rate for you, we recommend searching for quotes from multiple companies and comparing them.

Best Renters Insurance Rates in West Virginia: by City

The city with the best renters insurance in West Virginia is Weirton, which is in the northern handle of the state, between Ohio and Pennsylvania. The other four cheapest places for renters insurance in the state are scattered around the state.

RankCityAverage Annual Rate*% Difference vs State Average
1 Weirton $263 -2.3%
2 Wheeling 263 -2.3%
3 Logan 264 -1.7%
4 Williamson 264 -1.7%
5 Beckley 264 -1.7%

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

Weirton, WV

The city of Weirton has the best renters insurance in West Virginia. It was initially a small village known as Holliday’s Cove but today it has nearly 20,000 residents. It began as an unincorporated settlement in the area around a steel mill and was the largest unincorporated place in the USA for more than thirty years until it became a city in 1947. Weirton was one of several Ohio Valley towns used as locations for the acclaimed 1978 film “The Deer Hunter” (1978) starring Robert De Niro and Meryl Streep. Renters insurance premiums in Weirton are 2.3% lower than the state average. 

Wheeling, WV

Between the Ohio River and the foothills of the Appalachian Mountains, Wheeling was originally the capital of West Virginia. It has a large number of Victorian buildings and many have been restored and preserved. Following World War II, the city experienced a dramatic population loss and today is has fewer than 30,000 residents. The Eckhart House is recognized as the "Crown Jewel" of Wheeling and most of the building's original architectural features are still intact. Wheeling also has some of the best renters insurance rates in West Virginia, with premiums 2.3% lower than the state average.

Logan, WV

Logan was a trading center for nearby mining and logging areas, especially the popular cherry, white and oak timber. However, the city’s population peaked in the 1950s, and today it has fewer than 1,800 residents. The city is on the Guyandotte River and Jack Dempsey, the world heavyweight boxing champion from 1919 to 1926, spent his childhood in Logan. Renters insurance premiums in Logan are 1.7% lower than the state average. 

Williamson, WV

Williamson, West Virginia has a population of about 3,000 people. The U.S. Army Corps of Engineers built a floodwall in 1991 in response to devastating floods along the Tug Fork River in 1977 and again in 1984. Today, the local economy is fueled by coal mining, transportation healthcare and retail. Renters insurance rates are 1.7% lower than the state average. 

Beckley, WV

The seat of Raleigh County was established in 1838 and named in honor of John James Beckley, the first Librarian of Congress and first clerk of the House of Representatives. It currently has a population of roughly 17,200 residents and attracts tourists with the Beckley Exhibition Coal Mine and Tamarack art center. Renters insurance quotes in Beckley also are 1.7% lower than the state average. 

Most Expensive Renters Insurance in West Virginia

Four of the five most expensive places for renters insurance in West Virginia are located in the northeast handle of the state. The city with the most expensive renters insurance in West Virginia is Romney, where rates are 15.7% higher than the state average.

RankCityAverage Annual Rate*% Difference vs State Average
1 Romney $311 15.7%
2 Shepherdstown 311 15.7%
3 Grantsville 271 0.9%
4 Petersburg 271 0.9%
5 Charles Town 267 -0.6%

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

Romney, WV

Romney is a city with only 1,900 residents but it has a rich history. As West Virginia's oldest town, Romney was chartered in 1762. Today it is home to the West Virginia Schools for the Deaf and Blind and the nation's first Confederate Memorial in Indian Mound Cemetery. It previously was a very popular tourist destination for those interested in the beautiful surrounding area. Premiums for renters insurance are 15.7% higher in Romney than the state average. 

Shepherdstown, WV

As one of the oldest towns in West Virginia, Shepherdstown is located along the Potomac River in the lower Shenandoah Valley. The town pre-dates the Revolutionary War and is full of history and historical ambience with local restaurants, shops, music and arts. Locals enjoy hiking, biking, rafting, tubing and kayaking along the Potomac and Shenandoah Rivers. Renters insurance rates in Shepherdstown are 15.7% higher than the state average. 

Grantsville, WV

Named in honor of General Ulysses Grant, Grantsville was established in 1865 and officially incorporated in 1896.The small town has a population of about 500 people and is split by the Little Kanawha River. Renters insurance premiums in Grantsville are 0.9% higher than the average in the state. 

Petersburg, WV

Petersburg, West Virginia prides itself on its stunning scenery, pleasant residents and business opportunities. The city of fewer than 2,500 residents has a number of Nationally Registered Historic Places. Quotes for the study sample property were 0.9% higher than the state average. 

Charles Town, WV

Charles Town is well known for its historic places, museums, battlefields and other landmarks. George Washington's younger brother founded the city in the 18th century. Premiums are 8.8% higher in Charles Town than the state average.

Average Cost of Renters Insurance in West Virginia: by City

Our comparative study of renters insurance premiums in West Virginia was done by gathering and analyzing quotes from five major carriers across 36 cities in the state. Our analysis showed premiums from the most expensive place were 18% higher than the cheapest place in the state. 

Study Methodology

Our study examined renters insurance quotes for a 1,000-square-foot residence with at least $25,000 in personal property coverage and $100,000 in liability coverage. We then collected quotes for that sample residence from five of the major carriers that offer a renters insurance product in the state of West Virginia. We averaged rates for the sample home in each city as a benchmark to show which cities are relatively cheaper or more expensive. Those comparative values are not indicative of what tenants can expect to pay for an annual renters insurance premium.

RankCityAverage Annual Rate% Difference vs State Average
5 Beckley $264 -1.7%
6 Bluefield 264 -1.7%
20 Charles Town 267 -0.6%
7 Charleston 264 -1.7%
8 Clarksburg 264 -1.7%
18 Cross Lanes 264 -1.7%
21 Culloden 267 -0.6%
22 Elkins 267 -0.6%
9 Fairmont 264 -1.7%
23 Grafton 267 -0.6%
33 Grantsville 271 0.9%
10 Huntington 264 -1.7%
24 Keyser 267 -0.6%
11 Lewisburg 264 -1.7%
3 Logan 264 -1.7%
25 Madison 267 -0.6%
26 Marlinton 267 -0.6%
27 Martinsburg 267 -0.6%
28 Moorefield 267 -0.6%
12 Morgantown 264 -1.7%
32 Moundsville 267 -0.6%
13 Parkersburg 264 -1.7%
34 Petersburg 271 0.9%
14 Point Pleasant 264 -1.7%
29 Ripley 267 -0.6%
35 Romney 311 15.7%
16 Saint Albans 264 -1.7%
36 Shepherdstown 311 15.7%
15 South Charleston 264 -1.7%
30 Sutton 267 -0.6%
17 Vienna 264 -1.7%
19 Wayne 267 -0.6%
1 Weirton 263 -2.3%
31 Weston 267 -0.6%
2 Wheeling 263 -2.3%
4 Williamson 264 -1.7%

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

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