Best renters insurance companies in West Virginia

Westfield Insurance, Automobile Club MI (AAA) and State Farm are our best renters insurance companies in West Virginia.

Comparing quotes from multiple insurance carriers is one way to ensure you will get your money's worth. There can be big differences in price between different renters insurance providers, so it pays to shop around. Ensure you buy from a company offering affordable renters insurance and consistent customer service.

To simplify your task, we have compared the carriers for West Virginia residents based on their average rates and third-party ratings. Among the carriers surveyed, Westfield Insurance is the best renters insurance company in West Virginia. It earned a score of 5 and has an average renters insurance rate of $216.

In addition to rates, we also got scores and rating from sources like the National Association of Insurance Commissioners (NAIC) and AM Best for major insurers in West Virginia. Below is our list of best renters insurance companies in West Virginia based on that analysis, with our score out of five.

CompanyAverage annual premiumAM BestNAICInsurance.com rating
Westfield Insurance$216A0.295.00
Automobile Club MI (AAA)$254A0.294.60
State Farm$173A++0.954.23
Erie Insurance$308A+0.383.95
Allstate$203A+0.903.95
Nationwide$306A+0.872.96
Data updated in 2024
Read our full methodology

Cheapest renters insurance in West Virginia

State Farm is the cheapest renters insurance company in West Virginia based on our rate analysis with an average annual premium of $173.

Renters insurance prices can vary drastically between companies. That's why it is important to compare rates and see which company offers the best deal to get coverage at an affordable price.

Below are the cheapest renters insurance companies in West Virginia and their average annual premiums.

Company nameAverage annual premium
State Farm$173
Allstate$203
Westfield Insurance$216
Automobile Club MI (AAA)$254
Nationwide$306
Erie Insurance$308
USAA$156
Data updated in 2024
Read our full methodology

How much is renters insurance in West Virginia

The average cost of renters insurance in West Virginia is $231 a year, and the average monthly cost is $19. That's for a policy with personal property coverage of $40,000, liability coverage of $100,000, and a deductible of $1,000.

What you pay for renters insurance may differ from your neighbors because it depends on factors specific to each person: the property you want to insure, extra coverage options you add, and the deductible amount you choose.

"The number one thing that's most important is to get good liability. A renter's policy will default to $100,000 liability," Josiah Hatch, an insurance pro with Bender Hatch Insurance in Boston, said. "It costs next to nothing to go from $100,000 to $500,000. I want to say it's probably 10 bucks a year. It's really cheap to get a lot of extra coverage. I always recommend getting the most liability you can because that's, at its core, what insurance is all about: the worst-case scenario."

Average annual premiumAverage monthly premium
$231$19
Data updated in 2024
Read our full methodology

West Virginia renters insurance: The most expensive ZIP codes

Where you live in West Virginia affects how much you pay for renters insurance. The most expensive ZIP code in West Virginia for renters insurance is 24808, where the average annual rate is $258 which is $27 more than the state average insurance premium.

The following table lists the most expensive ZIP codes in West Virginia for renters insurance.

ZIP codeAverage annual rate
24808$258
24828$257
25511$255
24868$254
25047$252
25565$250
25902$249
24724$248
26263$212
26104$210
Data updated in 2024
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West Virginia renters insurance: The least expensive ZIP codes

Based on a rate analysis by Insurance.com, the least expensive ZIP code for renters insurance in West Virginia is 26554, and its average annual rate is $203.

Below, you'll find the least expensive ZIP codes for renters insurance, along with their average annual rates.

ZIP codeAverage annual rate
26554$203
25403$207
25419$208
26180$209
26104$210
26201$211
25404$213
25902$249
24850$250
25387$251
Data updated in 2024
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Compare renters insurance rates by city in West Virginia

Renters insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on renters insurance for your specific city in West Virginia.

CityAnnual insurance premium
Beckley
$245
Charleston
$240
Clarksburg
$218
Fairmont
$210
Huntington
$239
Martinsburg
$216
Morgantown
$224
Weirton
$221
Data updated in 2024
Read our full methodology

Insurance.com compared renters insurance rates provided by Quadrant Data Solutions for $40,000 personal property coverage with a $1,000 deductible and $100,000 liability coverage for all available ZIP codes based on a renter with good credit. To rank the best insurance companies, we gathered AM Best financial stability ratings, where an A++ is the best possible score, and National Association of Insurance Commissioners (NAIC) which provides the best practices for the U.S. insurance industry. These factors were used along with rates to find the best companies overall.

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