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.

Best home insurance in West Virginia
CompanyAM BestNAIC complaint ratioInsurance.com scoreAverage annual rate
Erie InsuranceA+0.524.26$2,138
State FarmA++0.834.06$1,793
Automobile Club Michigan (AAA)A0.293.57$1,888
AllstateA+1.463.48$1,720
NationwideA+1.053.11$1,721
ProgressiveA+2.712.25$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

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

Data updated in 2024

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.

Home insurance calculator

Average home insurance rates in Texas
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP CodeCityHighest Rate
77550Galveston$10,164
77586El Lago$9,906
77551Galveston$9,536
77554Galveston$9,358

Least expensive

ZIP CodeCityLowest Rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data updated in 2024

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 codeAverage 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 codeAverage annual rate
26505$1,495
26554$1,505
26501$1,546
26506$1,550
26301$1,551
26534$1,553
Data updated in 2024

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