Key Takeaways
- Erie has the cheapest homeowners insurance in West Virginia, with premiums that average $88 a month.
- Erie also has the best customer service scores among West Virginia’s top home insurance companies.
- The average cost of home insurance in West Virginia is $200 per year lower than the national average.
In this article
The cheapest home insurance providers in West Virginia
Erie is the cheapest homeowners insurance provider in West Virginia, charging $1,054 a year, on average. That’s $88, paid monthly.
| Insurance company | Annual premium |
|---|---|
| Erie | $1,054 |
| USAA | $1,448 |
| State Farm | $1,551 |
| Allstate | $1,575 |
| Nationwide | $1,813 |
| Progressive | $2,215 |
| Westfield | $2,366 |
| State average | $1,717 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
Allstate, State Farm and USAA also offer insurance to West Virginia homeowners that is cheaper than the state average. Only current or former members of the military, or certain family members, can buy insurance from USAA, though.
The figures above are average premiums. You may pay less than these amounts for home insurance in West Virginia, but you also may pay more. This is because insurance companies consider many factors when calculating a quote.
To get the coverage you need for your best price, compare home insurance quotes from several companies.
How much is home insurance in West Virginia?
The average cost of home insurance in Virginia is $1,717 a year, or $143 a month.
This is 10% lower than the average cost of home insurance in the U.S., which is $1,903 a year, or $159 a month.
Home insurance companies consider several factors when calculating your rate. Among them are your insurance claim history, the age of your home and the materials used to build your home.
The deductible and dwelling coverage amounts you choose also determine what you pay for home insurance. For example, one way to lower your home insurance rate is to raise your deductible. If you increase your home insurance deductible from $500 to $2,000, you can decrease your annual premium by 14%, on average.
| Deductible amount | Annual premium |
|---|---|
| $500 | $1,778 |
| $1,000 | $1,717 |
| $1,500 | $1,633 |
| $2,000 | $1,530 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
For dwelling coverage, a lower dwelling coverage amount usually results in a lower premium as well.
| Dwelling coverage amount | Annual premium |
|---|---|
| $200,000 | $1,389 |
| $275,000 | $1,717 |
| $350,000 | $2,055 |
| $425,000 | $2,408 |
| $500,000 | $2,761 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Keep in mind that if you have a mortgage, your lender will likely make you insure it for its replacement value.
See how much you could save on a new home insurance policy
The best home insurance companies in West Virginia
Erie is the best homeowners insurance company in West Virginia, based on our survey of the state’s top companies. Westfield is a great option, too, thanks to its wealth of coverage options.
Erie: Best overall
Erie is West Virginia’s best home insurance company for a few reasons. The main reason is that it offers the state’s cheapest premiums, at an average of $88 a month. This is 27% cheaper than the next-best offering, which is from USAA.
Erie also has the best customer satisfaction score – from J.D. Power – of the companies we surveyed. It has the best National Association of Insurance Commissioners (NAIC) Complaint Index rating of the companies we surveyed, too.
As such, not only can you get affordable home insurance from Erie as a West Virginia homeowner, but you can get it from a company known for treating customers well.
Allstate: Best coverage options
West Virginians who buy home insurance from Allstate gain access to a wide selection of coverage options. Along with all the standard coverages, Allstate offers optional coverage for:
- Electronic data recovery
- Identity theft restoration
- Musical instruments
- Sports equipment
- Yard and garden
- Water backup
Allstate also offers homesharing insurance, flood coverage and personal umbrella policies.
Customer service ratings for West Virginia home insurance companies
Erie and USAA have the best customer satisfaction and service scores of West Virginia’s top home insurance companies.
While USAA’s score from J.D. Power’s 2023 U.S. Home Insurance Study is slightly higher than Erie’s, only those with military ties qualify. So, Erie has the highest satisfaction rating for most West Virginians.
| Insurance company | Overall satisfaction score |
|---|---|
| Allstate | 809 |
| Erie | 856 |
| Nationwide | 812 |
| Progressive | 791 |
| State Farm | 829 |
| USAA | 881* |
| Westfield | Not included |
| Source: J.D. Power 2023 U.S. Home Insurance Study. *Brand is not rank eligible because it does not meet study award criteria. | |
Erie and Westfield have the best NAIC Complaint Index ratings of the companies we surveyed.
The NAIC Complaint Index compares insurance companies by confirmed complaints. A company with a 2.0 Complaint Index rating has twice as many confirmed complaints as expected for its size. A 0.5 rating reflects half as many as expected.
| Insurance company | Complaint Index rating |
|---|---|
| Allstate | 0.33 |
| Erie | 0.14 |
| Nationwide | 0.54 |
| Progressive | 0.75 |
| State Farm | 0.35 |
| USAA | 0.31 |
| Westfield | 0.14 |
| Source: National Association of Insurance Commissioners (2022 data) | |
USAA, Allstate and State Farm also have great NAIC Complaint Index ratings. Consider them as well as Erie and Westfield if customer service is important to you.
How much does home insurance cost in West Virginia by city?
Homeowners in Morgantown pay the lowest home insurance rates among West Virginia’s biggest cities. The average premium there is $1,380 a year, or $115 a month.
Huntington homeowners pay the state’s highest home insurance rates. That city’s premiums average $149 a month.
| City | Annual premium |
|---|---|
| Charleston | $1,666 |
| Huntington | $1,786 |
| Morgantown | $1,380 |
| Parkersburg | $1,601 |
| Wheeling | $1,432 |
| Martinsburg | $1,484 |
| Weirton | $1,520 |
| Fairmont | $1,396 |
| Beckley | $1,725 |
| Clarksburg | $1,426 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Get cheap home insurance no matter where you live
Cheapest home insurance companies in Charleston
Erie is the cheapest home insurance company in Charleston. At $888 a year, Erie’s average premium is over $800 a year cheaper than the state average.
| Insurance company | Annual premium |
|---|---|
| Erie | $888 |
| State Farm | $1,540 |
| Allstate | $1,540 |
| Nationwide | $1,598 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance companies in Huntington
Erie has the cheapest homeowners insurance in Huntington, too. Its average premium is 30% lower than that of runner-up Allstate.
| Insurance company | Annual premium |
|---|---|
| Erie | $968 |
| Allstate | $1,375 |
| State Farm | $1,662 |
| USAA | $1,675 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance companies in Morgantown
For cheap homeowners insurance in Morgantown, get a quote from Erie. Its average premium is $714 a year, which is over $500 cheaper than second-place Allstate.
| Insurance company | Annual premium |
|---|---|
| Erie | $714 |
| Allstate | $1,246 |
| USAA | $1,265 |
| State Farm | $1,337 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
How much does home insurance cost in West Virginia by county?
The lowest homeowners insurance rates in West Virginia’s 10 largest counties can be found in Monongalia County. Homeowners there pay $117 a month, on average.
| Insurance company | Annual premium |
|---|---|
| Kanawha | $1,691 |
| Berkeley | $1,488 |
| Monongalia | $1,406 |
| Cabell | $1,817 |
| Wood | $1,639 |
| Raleigh | $1,774 |
| Harrison | $1,538 |
| Jefferson | $1,473 |
| Mercer | $1,792 |
| Putnam | $1,615 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Home insurance risks in West Virginia
Standard home insurance policies in West Virginia don’t cover damage caused by floods or mine collapse. You need to buy separate insurance to protect yourself from these risks.
Flood insurance in West Virginia
Flooding is a widespread problem across West Virginia. Although the state’s greatest flood risks are near rivers and streams, severe thunderstorms have caused flooding in areas far from those water sources.
If you apply for a mortgage on a home in a high-risk flood zone, your lender will require you to get flood insurance. You can buy flood insurance even if it’s not required, though.
Most people buy flood insurance coverage through the National Flood Insurance Program (NFIP), which is backed by the government. Another option is to get private flood insurance from companies that specialize in covering this risk.
The average cost of NFIP flood insurance in West Virginia is $1,355 a year, or $113 a month. This is according to the Federal Emergency Management Agency (FEMA), which manages the program.
Home insurance for mine collapse in West Virginia
Mine subsidence is the collapse of land above an underground mine. Home insurers in 40 of West Virginia’s 55 counties must offer mine subsidence coverage for an additional fee. (You can reject the coverage by signing a waiver if you don’t want it.) In the state’s other 15 counties, mine subsidence insurance is available by request.
Mine subsidence insurance pays up to $200,000 to repair damage caused by mine subsidence to your home or other structures on your property. This type of insurance does not cover damage from other forms of earth movement, like earthquakes and landslides. It also doesn’t cover your belongings or your temporary living expenses.
The cost of mine subsidence insurance ranges from $10 to $48 a year for homes. It ranges from $20 to $96 for non-residential buildings, depending on the amount of coverage you get. These prices are subject to change, and they are determined by the state, not insurance companies.
Frequently asked questions
Homeowners insurance costs $143 a month in West Virginia, on average. You might pay more or less than this amount for a policy, depending on various factors. For example, if you choose a higher deductible, your premium will be lower. If you need more dwelling coverage, your premium will be higher.
Erie offers the cheapest home insurance rates in West Virginia. It charges an average $88 a month.
West Virginia law does not require homeowners to buy insurance. You’ll probably need to buy it if you have a mortgage, though.
Methodology
We collected quotes from every ZIP code in West Virginia for a standard HO-3 homeowners insurance policy using the following coverages:
- $275,000 dwelling (unless otherwise noted)
- $27,500 other structures
- $137,500 personal property
- $55,000 loss of use
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible (unless otherwise noted)
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