- Best home insurance company in West Virginia: State Farm
- Cheapest home insurance company in West Virginia: Nationwide
- Average home insurance cost in West Virginia
- West Virginia home insurance rates by ZIP code
- West Virginia homeowners insurance rates by county
- Compare homeowners insurance rates by city in West Virginia
- Methodology
- Compare West Virginia homeowners insurance rates with other states
Best home insurance company in West Virginia: State Farm
The best home insurance company in West Virginia for 2026 is State Farm. Allstate, Nationwide, Erie Insurance and Westfield Insurance are among the 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.
Cheapest home insurance company in West Virginia: Nationwide
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, Nationwide offers the most affordable home insurance rates in West Virginia.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| State Farm | $1,414 | $1,780 | $2,027 | $2,538 | $3,282 |
| Allstate | $1,582 | $1,959 | $2,276 | $3,031 | $3,937 |
| Nationwide | $1,187 | $1,574 | $1,939 | $2,672 | $3,887 |
| Erie Insurance | $1,576 | $2,148 | $2,693 | $3,624 | $5,253 |
| Progressive | $2,378 | $3,007 | $3,991 | $6,107 | $10,368 |
| Westfield Insurance | $1,827 | $2,188 | $2,582 | $3,579 | $5,191 |
| USAA | $845 | $1,042 | $1,229 | $1,550 | $1,937 |
*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 $1,860 a year or $155 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.
Home insurance calculator by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
| 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 |
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 CommissionerThe most expensive ZIP codes in West Virginia for home insurance
West Virginia homeowners insurance rates are the most expensive for ZIP code 25669, with an average annual cost of $2,508.
The most expensive ZIP codes in West Virginia are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Crum | 25669 | $2,508 |
| Breeden | 25666 | $2,494 |
| Kermit | 25674 | $2,485 |
| Dunlow | 25511 | $2,447 |
| Omar | 25638 | $2,446 |
The least expensive ZIP codes in West Virginia for home insurance
The cheapest ZIP codes for home insurance in West Virginia are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Palatine | 26554 | $1,439 |
| Clarksburg | 26301 | $1,459 |
| Worthington | 26591 | $1,461 |
| Carolina | 26563 | $1,476 |
| Bridgeport | 26330 | $1,481 |
West Virginia homeowners insurance rates by county
Home insurance rates in West Virginia vary by county. Take a look at the average rates by county in West Virginia below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Barbour | $1,749 | $146 |
| Berkeley | $1,677 | $140 |
| Boone | $1,877 | $156 |
| Braxton | $1,781 | $148 |
| Brooke | $1,609 | $134 |
| Cabell | $1,999 | $167 |
| Calhoun | $1,983 | $165 |
| Clay | $1,939 | $162 |
| Doddridge | $1,689 | $141 |
| Fayette | $1,795 | $150 |
| Gilmer | $1,769 | $147 |
| Grant | $1,717 | $143 |
| Greenbrier | $1,695 | $141 |
| Hampshire | $1,915 | $160 |
| Hancock | $1,596 | $133 |
| Hardy | $1,797 | $150 |
| Harrison | $1,604 | $134 |
| Jackson | $1,888 | $157 |
| Jefferson | $1,733 | $144 |
| Kanawha | $1,749 | $146 |
| Lewis | $1,725 | $144 |
| Lincoln | $2,054 | $171 |
| Logan | $2,260 | $188 |
| Marion | $1,552 | $129 |
| Marshall | $1,632 | $136 |
| Mason | $2,113 | $176 |
| McDowell | $2,145 | $179 |
| Mercer | $1,809 | $151 |
| Mineral | $1,759 | $147 |
| Mingo | $2,205 | $184 |
| Monongalia | $1,554 | $130 |
| Monroe | $1,703 | $142 |
| Morgan | $1,734 | $144 |
| Nicholas | $1,746 | $146 |
| Ohio | $1,582 | $132 |
| Pendleton | $1,668 | $139 |
| Pleasants | $1,658 | $138 |
| Pocahontas | $1,753 | $146 |
| Preston | $1,757 | $146 |
| Putnam | $1,780 | $148 |
| Raleigh | $1,888 | $157 |
| Randolph | $1,771 | $148 |
| Ritchie | $1,823 | $152 |
| Roane | $1,993 | $166 |
| Summers | $1,772 | $148 |
| Taylor | $1,650 | $138 |
| Tucker | $1,772 | $148 |
| Tyler | $1,721 | $143 |
| Upshur | $1,740 | $145 |
| Wayne | $2,120 | $177 |
| Webster | $1,867 | $156 |
| Wetzel | $1,753 | $146 |
| Wirt | $1,784 | $149 |
| Wood | $1,657 | $138 |
| Wyoming | $2,096 | $175 |
Compare homeowners insurance rates by city in West Virginia
Home 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 home insurance for your specific city in West Virginia.
City Annual insurance premium
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 134 insurance companies across 34,595 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.