Cheapest Auto Insurance in Martinsburg, West Virginia (2025)
Martinsburg drivers can find the cheapest car insurance rates from State Farm. The insurer’s liability rates start at just $63 per month.
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Situated in the Eastern Panhandle of West Virginia, Martinsburg is home to a historic downtown with a number of shops, restaurants, and housing options.1 Martinsburg drivers pay an average of $115 per month for car insurance compared to the state average of $116. This may be due to the city’s dense population and higher-than-average crime rates.2
When buying an auto insurance policy, always make sure to compare quotes from multiple companies.
3 of the cheapest car insurance companies in Martinsburg
As you search for affordable auto insurance in Martinsburg, consider factors like your driving history, location, credit, and unique needs. State Farm, USAA, and Erie offer some of the best, most affordable policies for Martinsburg drivers.
Best insurer for affordability: State Farm
Best insurer for active military, veterans, and their families: USAA
Best insurer for young drivers: Erie
How to get the cheapest car insurance in Martinsburg
No matter your driving profile, you can find cheap car insurance in Martinsburg. Here are some tips to help you land affordable coverage:
Shop around. It’s a good idea to get quotes from at least three different car insurance companies. This way, you can compare rates, coverage levels, and customer satisfaction reviews to figure out the right coverage for your particular situation.
Look for discounts. Most car insurance companies offer a variety of discounts for policyholders who meet certain criteria, such as loyalty, safe driver, and anti-theft device discounts. Visit an insurance company’s website or reach out to a car insurance agent to learn about which discounts may apply to you.
Bundle policies. If you purchase your auto insurance from the same company as your home insurance, renters insurance, condo insurance, health insurance, or life insurance, you may be able to save money on your car insurance plan.
Consider usage-based insurance plans. If you drive only on occasion because you’re retired or work remotely, for example, you can lock in cheap car insurance through a pay-per-mile policy from a reputable auto insurer. You’ll only pay for the miles you drive.
Cheapest liability-only car insurance in Martinsburg: State Farm
West Virginia law requires drivers to have liability car insurance. It pays for the other party’s property damage and medical bills after an at-fault accident. It’s usually the cheapest auto insurance coverage you can get.
State Farm offers the cheapest liability-only policies in Martinsburg, at $63 per month. Here’s a look at car insurance companies with the lowest quotes for liability coverage in Martinsburg.
Cheapest full-coverage car insurance in Martinsburg: State Farm
Full-coverage car insurance typically includes three types of coverage: liability, collision, and comprehensive coverage. It can be worth the extra monthly cost if you can’t pay for damages out of your own pocket. Also, if you have a loan or lease on your vehicle, your lender may require you to have a full-coverage policy.
Martinsburg residents can find the cheapest full-coverage insurance with State Farm, with rates of $78 per month. The table below shows the most affordable auto insurers in the city for full-coverage insurance.
Car insurance requirements in West Virginia
West Virginia is an at-fault, or tort, state. This means a driver who is responsible for an accident must cover the damages and medical expenses of others, typically through their auto insurance company or out of pocket. Also, drivers must show proof of insurance, or they may face fines and other consequences.
Below, you’ll find the minimum liability insurance requirements in the Mountain State:8
Optional car insurance can save your finances and give you some extra protection in various situations. Here are several policies you might want to explore for greater protection as a Martinsburg driver:
Cheapest car insurance for drivers with an incident
At-fault accidents, speeding tickets, and DUIs are all examples of incidents on your driving record that can lead to higher car insurance premiums. This is because car insurance companies will consider you a high-risk driver who’s more likely to file a claim. Martinsburg residents with clean records usually lock in the lowest rates.
Here’s a look at the insurance companies with the cheapest average car insurance quotes in Martinsburg based on driving history.
Average cost of car insurance by age
Your age can play a big role in your car insurance rates. Because of their minimal experience on the road, teen drivers and young adults typically pay the most for car insurance policies.
Average premiums typically decrease around age 35 and increase again around age 70. This is due to physical and mental limitations senior drivers usually experience, like slower reflexes and poor vision.
The table below shows the cheapest car insurance quotes for Martinsburg drivers by age.
Martinsburg car insurance quotes by credit tier
Like most states, West Virginia allows car insurance companies to factor in your credit history when they underwrite your policy and determine your premium.4 Drivers with good or excellent credit usually pay less than drivers with poor credit. The table below shows average premiums for Martinsburg drivers with different credit scores.