Best and cheapest homeowners insurance in West Virginia for 2024

Best home insurance companies in West Virginia: Erie Insurance

The best home insurance company in West Virginia for 2024 is Erie Insurance. State Farm, Automobile Club Michigan (AAA), Allstate and Nationwide are among other top home insurance companies in West Virginia based on price, NAIC complaints, and AM Best financial ratings.

The total Insurance.com score is calculated out of five using these factors.

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Best home insurance in West Virginia
Company	AM Best	NAIC complaint ratio	Insurance.com score	Average annual rate
Erie Insurance	A+	0.52	4.26	$2,138
State Farm	A++	0.83	4.06	$1,793
Automobile Club Michigan (AAA)	A	0.29	3.57	$1,888
Allstate	A+	1.46	3.48	$1,720
Nationwide	A+	1.05	3.11	$1,721
Progressive	A+	2.71	2.25	$2,676

Data updated in 2024

Cheapest home insurance companies in West Virginia: Allstate

Below are West Virginia home insurance rates by company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see that USAA has the most affordable rates in every category. If you don’t qualify for USAA, Allstate offers the most affordable home insurance rates in West Virginia.

Cheapest home insurance in West Virginia
Company	$200,000	$300,000	$400,000	$600,000	$1,000,000
USAA*	$967	$1,218	$1,459	$1,869	$2,663
Allstate	$1,428	$1,720	$2,095	$2,901	$4,561
Nationwide	$1,263	$1,721	$2,230	$3,309	$5,713
State Farm	$1,414	$1,793	$2,009	$2,578	$3,663
Automobile Club Michigan(AAA)	$1,246	$1,888	$2,535	$4,057	$7,418
Westfield Insurance	$1,885	$2,137	$2,379	$2,835	$3,613
Erie Insurance	$1,552	$2,138	$2,760	$3,827	$6,014
Progressive	$1,963	$2,676	$3,366	$4,789	$7,522

Data updated in 2024

*USAA only provides coverage to military members, veterans and their families.

Average home insurance cost in West Virginia

The average cost of homeowners insurance in West Virginia is $1,911 a year or $159 a month. This is based on coverage of:

$300,000 dwelling
$300,000 liability
$1,000 deductible.

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare price quotes from different West Virginia homeowners insurance companies to get the best deal.

West Virginia home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in West Virginia to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

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Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

Least expensive

ZIP code	City	Lowest rate
78559	Iglesia Antigua	$1,956
78593	Santa Rosa	$1,999
79915	El Paso	$2,008
79905	El Paso	$2,009

Data updated in 2024

Read our methodology

The West Virginia Offices of the Insurance Commissioner says...

In West Virginia, an insurance company writing homeowner policies is not obligated to offer coverage to all applicants. Each company has their own underwriting requirements and, therefore, may decline an applicant if such applicant does not meet the company's underwriting criteria. It should be noted that when a homeowner policy is up for renewal, the company may reunderwrite that risk for the next policy term.

- The West Virginia Offices of the Insurance Commissioner

The most expensive ZIP codes in West Virginia for home insurance

West Virginia homeowners insurance rates are the most expensive for ZIP code 25666, with an average annual cost of $2,480.

The most expensive ZIP codes in West Virginia are:

ZIP code	Average annual rates
25666	$2,480
25674	$2,452
25511	$2,446
25671	$2,417
25512	$2,405
25638	$2,384

Data updated in 2024

The least expensive ZIP codes in West Virginia for home insurance

The cheapest ZIP codes for home insurance in West Virginia are:

ZIP code	Average annual rate
26505	$1,495
26554	$1,505
26501	$1,546
26506	$1,550
26301	$1,551
26534	$1,553

Data updated in 2024

West Virginia homeowners insurance rates by county

County	Average annual premium	Average monthly premium
Barbour	$1,723	$144
Berkeley	$1,711	$143
Boone	$2,079	$173
Braxton	$1,813	$151
Brooke	$1,707	$142
Cabell	$2,034	$169
Calhoun	$1,921	$160
Clay	$1,964	$164
Doddridge	$1,798	$150
Fayette	$1,869	$156
Gilmer	$1,808	$151
Grant	$1,690	$141
Greenbrier	$1,696	$141
Hampshire	$1,839	$153
Hancock	$1,677	$140
Hardy	$1,704	$142
Harrison	$1,674	$139
Jackson	$1,971	$164
Jefferson	$1,760	$147
Kanawha	$1,874	$156
Lewis	$1,729	$144
Lincoln	$2,222	$185
Logan	$2,295	$191
Marion	$1,620	$135
Marshall	$1,705	$142
Mason	$2,042	$170
McDowell	$2,227	$186
Mercer	$1,982	$165
Mineral	$1,684	$140
Mingo	$2,331	$194
Monongalia	$1,597	$133
Monroe	$1,815	$151
Morgan	$1,709	$142
Nicholas	$1,831	$153
Ohio	$1,669	$139
Pendleton	$1,642	$137
Pleasants	$1,770	$148
Pocahontas	$1,726	$144
Preston	$1,705	$142
Putnam	$1,870	$156
Raleigh	$2,011	$168
Randolph	$1,717	$143
Ritchie	$1,845	$154
Roane	$2,014	$168
Summers	$1,886	$157
Taylor	$1,710	$142
Tucker	$1,736	$145
Tyler	$1,794	$150
Upshur	$1,757	$146
Wayne	$2,243	$187
Webster	$1,851	$154
Wetzel	$1,740	$145
Wirt	$1,941	$162
Wood	$1,744	$145
Wyoming	$2,160	$180