Cheapest Auto Insurance in Morgantown, West Virginia (2025)

Drivers in Morgantown typically pay lower auto insurance rates than the national average. The average cost of liability insurance in Morgantown is $84 per month, which is lower than the national average of $104 and similar to the West Virginia state average of $83.

Morgantown has a relatively low population of 30,000 people. The smaller number of drivers on the road and short average commute time of around 17 minutes may contribute to the city’s lower-than-average rates.1

Here’s what you need to know about finding cheap car insurance in Morgantown, including how to compare quotes, consider coverage options, and meet your coverage requirements.

3 of the cheapest car insurance companies in Morgantown

Every driver has a unique situation that affects car insurance premiums. To find the best insurance rates, it’s critical to compare quotes from multiple car insurance companies and find the cheapest car insurance options that meet your insurance needs.

Before you start your search, it’s helpful to see which car insurance companies offer consistently better rates. Here are a few of the best car insurance companies in Morgantown. The rates below reflect average statewide insurance costs.

Best insurer for cheap rates: State Farm

Best insurer for customer service: Erie

Best insurer for veterans: USAA

How to get the cheapest car insurance in Morgantown

The amount you pay for car insurance will vary based on several factors, including your driving record, location, age, credit history, and vehicle type.4 But regardless of your situation, you can find ways to save on your coverage.

Use the strategies below to help you find the most affordable car insurance option for your unique situation:

• Shop around. Shopping around involves getting an insurance quote from multiple car insurance companies. Every insurer has a different method of determining rates, which means shopping around can help you find the best rates.

• Raise your deductible. A higher deductible often translates into lower premiums. If you have a well-funded savings account to cover expenses after an accident, then a higher deductible could be the right choice for up-front savings.

• Bundle policies. Many insurance companies offer a discount when you purchase multiple types of policies through the same insurer. For example, you might earn a discount for purchasing a life insurance policy and car insurance through the same company.

• Find discounts. Many insurers offer a range of discounts. It’s worth finding out if you qualify for a discount to save on your insurance premiums.5

Cheapest liability-only car insurance in Morgantown: State Farm

Liability-only auto insurance is the cheapest amount of coverage you can buy. This type of policy includes bodily injury and property damage liability coverage, which means the insurer will help you pay for damage and injuries you cause. But a liability-only policy won’t help you pay for repairs to your own vehicle or your own medical bills.

In Morgantown, liability-only car insurance costs an average of $84 per month. The table below highlights average rates for liability-only policies from Morgantown insurers.

Cheapest full-coverage car insurance in Morgantown: State Farm

A full-coverage car insurance policy offers more robust financial protection than liability-only coverage. In addition to liability coverage, this type of policy includes collision and comprehensive coverages. After an incident, the insurer will help you pay for repairs to your vehicle.

If you’re paying off an auto loan or leasing a vehicle, your lender will likely require you to carry a full-coverage car insurance policy. Even if you don’t need to buy this coverage, it can be a good idea to purchase the extra protection. It’s an especially good option if you don’t have the money available to cover repairs to your own vehicle after an accident.

A full-coverage car insurance policy in Morgantown costs an average of $144 per month. Here are average full-coverage car insurance costs from insurers in Morgantown.

Car insurance requirements in West Virginia

Per West Virginia law, drivers must carry a minimum amount of car insurance. It’s illegal to drive on public roads in the Mountain State without this minimum coverage.

Here are the specific minimum requirements West Virginia drivers must meet:6

The minimum liability insurance won’t cover repairs to your own vehicle after an accident. If you want more protection, consider the common coverage options below:

Cheapest car insurance for drivers with an incident

Mistakes behind the wheel can turn into an incident on your driving record. Incidents like speeding tickets, driving under the influence, and at-fault accidents typically lead to higher car insurance rates. Insurers view past driving incidents as a risk factor and adjust rates to account for added risk.

The average cost of car insurance for Morgantown drivers with a past incident is $98 per month for liability insurance and $168 for full-coverage insurance.

Here’s how an incident on your driving record can affect average liability car insurance quotes in Morgantown.

Average cost of car insurance by age

Most insurers take your age into account when determining premiums. With the least amount of experience behind the wheel, teen drivers pay the most for car insurance. In general, young adults continue to pay higher rates into their 20s.

Drivers with more experience often see rates fall between the ages of 35 and 70. But past age 70, senior drivers see rates increase due to aging-related risk factors.

Compare the average cost of car insurance by driver age in Morgantown below.

Morgantown car insurance quotes by credit tier

Insurance companies in the state of West Virginia can consider credit-based insurance scores when determining premiums. In general, drivers with excellent or good credit pay lower rates for car insurance than drivers with poor credit.

The chart below illustrates average full-coverage car insurance quotes by credit tier in Morgantown.