Cheapest Auto Insurance in Parkersburg, West Virginia (2025)

In Parkersburg, West Virginia, residents generally pay about $122 per month for car insurance. This is slightly less than the national average of $141. This more affordable rate is likely due to Parkersburg’s mostly rural setting and the low number of uninsured drivers.1 Additionally, the Parkersburg Police Department noted fewer reported crimes in 2023 than in 2022, further reducing insurance costs.2

However, while costs are already lower in Parkersburg, you can reduce your insurance costs even more. Here’s how.

Cheapest car insurance companies in Parkersburg

You have multiple options when choosing an auto insurance company in Parkersburg, and the best way to find the most affordable insurance for you is to compare quotes from several insurers.

Among all insurers in the city, State Farm, USAA, and Erie often stand out as the cheapest. Here’s an overview of each company to see if it’s the right fit for you. You’ll also find their statewide average quotes for full-coverage and liability-only car insurance.

Best insurer for young drivers: State Farm

Best insurer for military members: USAA

Best insurer for collision coverage: Erie

How to get the cheapest car insurance in Parkersburg

To get affordable premiums on car insurance in Parkersburg, it’s crucial to understand the factors that influence rates. Insurers look at your driving history, vehicle type, coverage amount, and personal information like age, gender, marital status, and ZIP code.

Here are a few strategies to help you find the cheapest car insurance year after year:

• Compare insurance quotes from different companies. Looking at different rates will help you get the best deal.

• Ask about discounts. Insurers can offer different discounts, including savings for new customers. Asking may help you find a discount you didn’t know existed.

• Keep your credit score high. Auto insurers can review your credit history when determining your quote. A higher credit score can often lead to lower rates.

• Maintain a clean driving record. A driving record free of violations can qualify you for lower car insurance rates.

Cheapest liability-only car insurance in Parkersburg: State Farm

Liability-only car insurance is crucial for covering bodily injuries and property damage you may cause to others in an auto accident. However, it’s important to remember that minimum coverage doesn’t extend to your or your passengers’ injuries or damage to your vehicle.

The average rate for liability-only car insurance in Parkersburg is $88 per month. The table below shows the insurance companies that offer the lowest rates, along with their average monthly quotes.

Cheapest full-coverage car insurance in Parkersburg: State Farm

Full-coverage car insurance offers more of a safety net than liability-only insurance. It includes liability, comprehensive, and collision coverages to protect your vehicle from accidents, theft, vandalism, and other incidents beyond third-party liability. The added protection is helpful if you drive a new, leased, or financed vehicle.

The average rate for liability-only car insurance in Parkersburg is $156 per month. Here, you can see the average cost from various Parkersburg insurance companies.

Car insurance requirements in West Virginia

If you’re in a traffic accident, you need to know what the state requires. First, understand that West Virginia has a two-year deadline for filing car accident lawsuits.5 West Virginia drivers must also be aware of the “modified comparative fault” rule. This means you can only get financial compensation if you’re less responsible for the accident than the other person involved.

The West Virginia Division of Motor Vehicles (DMV) uses a real-time program to verify insurance at vehicle registration, during traffic incidents, and monthly for all registered vehicles.6 Your policy must have uninsured motorist coverage and meet the minimum insurance coverage levels below:

While the table above provides insight into your minimum requirements, you can obtain coverage that exceeds these limits. If you’re looking for additional insurance protection, you may want to consider the following optional coverages:

Cheapest car insurance for drivers with an incident

Drivers who have incidents like at-fault accidents, speeding tickets, driving under the influence, or other traffic violations on their driving record can expect higher car insurance rates. Insurance companies assess your driving history when setting rates. Incidents on your record can label you as a high-risk driver, implying you’re more likely to have a future accident or claim.

The average rate for liability-only car insurance with an at-fault accident on your record in Parkersburg is $105 per month. Drivers with a speeding ticket can expect to pay about $98 per month, and rates climb to $142 if you have a DUI on your record.

In the table below, you can see how quotes from top insurers fluctuate based on your driving record.

Average cost of car insurance by age

Age significantly affects car insurance rates. Teens and drivers younger than 25 often face the highest premiums due to their inexperience and higher accident risk. Rates typically become much more affordable once you’re in your 30s. However, they start to climb again once you reach the age of 70 as reduced faculties increase your risk of being involved in an accident.

The following table shows the average rate for car insurance across different ages.

Parkersburg car insurance quotes by credit tier

In West Virginia, auto insurers can legally consider your credit history when setting quotes. Excellent or good credit indicates financial reliability and often leads to lower insurance costs. Poor credit suggests a higher risk for insurers, driving up your rates. Maintaining good credit can help you pay less for coverage.

As you’ll see in the table below, credit scores play a crucial role in your car insurance costs.

Parkersburg car insurance FAQs