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USAA is the best homeowners insurance company in West Virginia, based on an analysis by Insurance.com. Its overall rating is 4, and it has earned 882 scores out of 1000 from J.D. Power.

Whereas Erie received 835 scores out of 1000 from J.D. Power. Besides, A.M Best rated it A+, which is the highest rating they offer.

With so many options out there, it is not easy to choose a homeowners insurance company in West Virginia. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, then keep on reading this guide.

Best home insurance companies in West Virginia

If you're looking for the best homeowners insurance company in West Virginia, we've got you covered. We've compiled a list of some of the top-rated insurers in the state and compared their rates, their customer satisfaction rating, J.D. Power score, claims handling and AM Best rating to help make your decision easier. Here is the list of best home insurance companies in West Virginia:

  • USAA
  • Erie Insurance
  • Nationwide
  • Safeco
  • Allstate

Compare best homeowners insurance companies in West Virginia

The best way to find the right homeowners insurance policy in West Virginia is by getting quotes from multiple carriers. You should compare the rates and coverage options and see if they offer good customer service before deciding on the insurance company.

We have compared the homeowners insurance policies from different companies in West Virginia using the scores from J.D. Power and ratings from A.M Best. Below are the best home insurance companies, along with their overall ratings.

CompanyOverall ratingJ.D. Power scoreAM Best rating
USAA4882A++
Erie Insurance4835A+
Nationwide4812A+
Safeco4810A
Allstate3829A+
Liberty Mutual3806A
Hartford2798A+

Average cost of homeowners insurance in West Virginia

The average cost of homeowners insurance in West Virginia is $2,486 a year or $207 a month. However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. A typical homeowners policy includes basic coverage such as dwelling, liability, and personal property protection. It’s a good idea to compare price quotes and coverage options from different West Virginia homeowners insurance companies to get the best deal.

Average annual premiumAverage monthly premium
$2,486$207

10 Most expensive zip codes in West Virginia for homeowners insurance

The home insurance rate you pay depends a lot on where your property is located. It means that rates vary depending upon the ZIP code, with some areas having considerably higher rates than others for home insurance.

We have compared quotes from all the major home insurance companies in West Virginia for nearly all the ZIP codes. West Virginia homeowners insurance rates are the most expensive for ZIP code 25676. Its average annual cost is $2,750.

Find below the average home insurance rate for other ZIP codes-

ZIP codeAverage annual rate
25676$2,750
24846$2,701
25674$2,688
25608$2,676
24862$2,673
25692$2,671
25678$2,670
25651$2,668
25661$2,667
25621$2,634

10 Least expensive zip codes in West Virginia for homeowners insurance

Insurance companies use different factors to determine your home insurance rate, one of them is the place where you live. That's why prices vary greatly based on the ZIP code for any given area.

Some ZIP codes in West Virginia have relatively lower home insurance costs than others. The least expensive ZIP code for home insurance in West Virginia is 25419; its average rate is $1,587 a year--- $899 less than the state average ($2,486).

Below is a list of the least expensive ZIP codes for homeowners insurance-

ZIP codeAverage annual rate
25419$1,587
25440$1,590
25438$1,594
26501$1,601
25441$1,602
25404$1,603
25403$1,606
25443$1,609
26505$1,611
25413$1,613

Cheap homeowners insurance in West Virginia

The cheapest homeowners insurance company in West Virginia is American Select Insurance, based on Insurance.com’s rate analysis. It offers home insurance at an average of $2,110 a year.

Insurance providers use different methods when deciding on your average annual premium; as a result, prices vary significantly between carriers. Therefore, get at least three price quotes when you shop for coverage, suggests Insurance.com's former Senior Consumer Analyst Penny Gusner.

Following is a list of cheapest home insurance companies along with their average annual premiums-

Company nameAverage annual premium
American Select Insurance$2,110
Safeco$2,208
USAA$2,229
Nationwide$2,536
Allstate$2,556
State Farm$2,724
Liberty$3,064
Erie$4,107

Home and auto bundle discounts in West Virginia

Most insurance companies offer discounts to those who bundle their car and home insurance policies. A home and auto bundle can save you an average of $427 a year or 23%, based on an analysis by Insurance.com.

You can save an average of $950 or 39% a year if you bundle your home and auto insurance policies from Allstate, the highest among the carriers surveyed.

Below we provide a list of top insurance companies in West Virginia that offer a discount on home and auto bundles.

Company$ Bundle average saving% Bundle average saving
Allstate$95039%
State Farm$58033%
Nationwide$50226%
Erie$37724%
Westfield Insurance$28612%
American Select$21714%
USAA$12910%

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