Nationwide is the best home insurance company in West Virginia for non-military homeowners, with an overall rating of 3.7. USAA ranked higher, but only offers insurance for military members, veterans and their families, based on a 2023 analysis by Insurance.com, with an overall rating of 4.87.
Allstate offers the cheapest coverage for non-military homeowners for most of the coverage levels, although USAA is cheaper if you are eligible.
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. Read on for everything you need to find the right home insurance for your needs.
Key takeaways
- The average cost of homeowners insurance in West Virginia is $1,801 a year or $150 a month.
- Allstate offers the cheapest home insurance in West Virginia for non-military homeowners at an average annual rate of $1,678.
- Nationwide is the best home insurance company for homeowners insurance in West Virginia for 2023 aside from USAA, which has limited eligibility.
Average home insurance cost in West Virginia
The average cost of homeowners insurance in West Virginia is $1,801 a year or $150 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.
Best home insurance companies in West Virginia
The best home insurance company in West Virginia for 2023 is USAA, followed by Nationwide and Westfield Insurance.
Below is a full list of the top West Virginia insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
*USAA only provides coverage to military members, veterans and their families.
Cheapest home insurance companies in West Virginia
Below are West Virginia home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see 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.
| Company | $200,000 | $300,000 | $400,000 | $500,000 | $600,000 |
|---|---|---|---|---|---|
| USAA* | $ 907 | $ 1,195 | $ 1,495 | $ 1,796 | $ 2,073 |
| Allstate | $ 1,396 | $ 1,678 | $ 2,033 | $ 2,419 | $ 2,795 |
| Nationwide | $ 1,266 | $ 1,725 | $ 2,236 | $ 2,789 | $ 3,318 |
| State Farm | $ 1,454 | $ 1,852 | $ 2,255 | $ 2,767 | $ 3,246 |
| Automobile Club MI (AAA) | $ 1,246 | $ 1,888 | $ 2,535 | $ 3,306 | $ 4,057 |
| Westfield Insurance | $ 1,696 | $ 1,922 | $ 2,140 | $ 2,352 | $ 2,550 |
| Erie Insurance | $ 1,474 | $ 2,047 | $ 2,629 | $ 3,141 | $ 3,658 |
| Progressive | $ 1,650 | $ 2,100 | $ 2,611 | $ 3,109 | $ 3,715 |
*USAA only provides coverage to military members, veterans and their families.
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 CALIFORNIA
AVERAGE RATE: $797
Most & least expensive zip codes for homeowners insurance in California
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 92325 | Crestline | $1,450 |
| 92391 | Twin Peaks | $1,426 |
| 92321 | Cedar Glen | $1,425 |
| 92352 | Lake Arrowhead | $1,423 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 94086 | Sunnyvale | $742 |
| 94085 | Sunnyvale | $743 |
| 94087 | Sunnyvale | $743 |
| 95051 | Santa Clara | $743 |
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 $2,527.
The most expensive ZIP codes in West Virginia are:
| ZIP code | Average annual rates |
|---|---|
| 25666 | $ 2,527 |
| 25511 | $ 2,470 |
| 25674 | $ 2,465 |
| 25669 | $ 2,430 |
| 25676 | $ 2,387 |
| 25638 | $ 2,330 |
The least expensive ZIP codes in West Virginia for home insurance
The cheapest ZIP codes for home insurance in West Virginia are:
| ZIP code | Average annual rates |
|---|---|
| 26554 | $ 1,407 |
| 26505 | $ 1,421 |
| 26559 | $ 1,460 |
| 26501 | $ 1,461 |
| 26378 | $ 1,466 |
| 26534 | $ 1,468 |
