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Condo insurance is a must-have for condo owners. Even if you have the protection offered by your association, it may not cover the things inside of your condo like furniture and personal belongings. Therefore, purchasing condo insurance is a necessity.

Finding the best condo insurance in West Virginia is no easy task. There are many factors to consider when looking for condo insurance and it can be difficult to know which company will provide you with the best coverage at a fair rate.

In this guide we'll provide a list of the best companies in West Virginia, how much condo insurance costs and condo insurance rates by companies.

Key takeaways

  • The residents of West Virginia pay an average of $313 per year for condo insurance for a coverage level of $600,000 for personal property, $300,000 for liability protection with a $1,000 deductible.
  • Based on the analysis by, USAA is the top pick for the best condo insurance company in West Virginia.
  • USAA offers the cheapest condo insurance in West Virginia at an average of $156 per year.

Best condo insurance companies in West Virginia

In West Virginia, you have a lot of options when it comes to finding the best condo insurance company. To make your task easier, our insurance experts have analyzed premiums, coverage offerings, J.D Power score and customer satisfaction rating of all the major insurers across West Virginia. Below are the best condo insurance companies in West Virginia based on's analysis.

CompanyAverage rating(out of 5)
State Farm3.1
Automobile Club MI (AAA)3.1
Erie Insurance2.5

Compare best condo insurance companies in West Virginia

USAA is our top pick for the best condo insurance company in West Virginia, based on's rate analysis. It has earned 5 scores out of 1000 from J.D. Power and AM Best awarded it A++ rating.

Allstate and State Farm are other top performers on our list. All these providers have a strong reputation and offer competitive rates. Compare the carriers using their J.D. Power score and AM Best rating mentioned in the table below.

CompanyJ.D. Power ScoreAM Best Rating
State Farm829A++
Erie Insurance827A+
Automobile Club MI (AAA)817A+

Average cost of condo insurance in West Virginia

West Virginia residents pay an average of $313 annually or $26 per month for condo insurance. The recommended coverage level for condo insurance is $40,000 for personal property, $100,000 for liability protection with $1000 deductible.

Your particular condominium insurance cost will depend on the coverage level, the value of your condo, your location and the deductible amount you choose among other factors.

Average Annual PremiumAverage Monthly Premium


Average condo insurance rates in WEST VIRGINIA

25305 - Charleston
Personal Property Coverage $60,000, Deductible $1,000 and Liability $100,000.



Most & least expensive zip codes for condo insurance in West Virginia

Most Expensive

Zip CodeCityHighest Rate

Least Expensive

Zip CodeCityLowest Rate
25419Falling Waters$329

Condo insurance rates by companies in West Virginia

USAA offer the cheapest condo insurance rate in West Virginia at an average of $156 annually, among the carriers surveyed. Condo insurance rates vary between companies for the same policy. So, if you don't shop around, you will not know which insurer offers the most affordable rates.

Below you will find the average annual premium of major condo insurance companies in West Virginia.

CompanyAverage Annual Rate
Automobile Club MI (AAA)$254
State Farm$367
Westfield Insurance$402
Erie Insurance$439

Methodology compared condo insurance rates in 2022 provided by Quadrant Data Solutions for $60,000 personal property coverage with a $1000 deductible and $300,000 liability coverage for all available ZIP codes. ZIP codes were ranked based on the average rates for personal property coverage of $60,000, liability coverage of $300,000, and a $1,000 deductible and included good credit ratings. Content was updated in 2023.

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