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 $56 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 $114 per month for car insurance compared to the state average of $115. 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.
Quick Facts
State Farm, USAA, and Erie are the cheapest car insurance companies for Martinsburg drivers.
On average, Martinsburg residents pay $87 per month for liability insurance and $140 per month for full coverage.
West Virginia is an at-fault state, meaning the driver responsible for the incident pays for the damages.3
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
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 $56 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 $77 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Martinsburg car insurance FAQs
Finding the right car insurance can be a challenge. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Martinsburg.
How much is car insurance in Martinsburg?
The average cost of car insurance in Martinsburg is $114 per month.
Martinsburg drivers pay $87 per month for liability coverage and $140 for full-coverage car insurance, on average. Your exact car insurance premium depends on your driving record, age, credit history, and other factors.
Which company has the cheapest car insurance in Martinsburg?
State Farm offers the cheapest liability car insurance in Martinsburg, at $56 per month. USAA is the second-cheapest insurer in the city, with a rate of $66. The third-cheapest insurer, Erie, has a liability-only rate of $67 per month.
Comparing quotes from multiple insurance companies is the best way to find the cheapest car insurance for your coverage needs.
What are the best car insurance companies in Martinsburg?
State Farm is the best car insurance company in Martinsburg, with an Insurify Quality (IQ) Score of 9.3 out of 5, an AM Best financial strength rating of A++ (Superior), and high customer satisfaction ratings. Other top insurers include USAA and Erie.
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