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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.

Best home insurance companies in West Virginia
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
USAA*A++$ 1,1950.414.87
NationwideA+$ 1,7250.753.7
Westfield InsuranceA$ 1,9220.173.58
Erie InsuranceA+$ 2,0470.233.5
State FarmA++$ 1,8521.073.48
Automobile Club MI (AAA)A$ 1,8880.913.21
AllstateA+$ 1,6782.043.05
ProgressiveA+$ 2,1001.382.77

*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.  

Cheapest home insurance rates in West Virginia by coverage level
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 FLORIDA

$200,000
$1,000
$100,000
33315 - Fort Lauderdale
Dwelling $200,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $1,986

HIGHEST RATE: $5,304 LOWEST RATE: $491

Most & least expensive zip codes for homeowners insurance in Florida

Most Expensive

Zip CodeCityHighest Rate
32805Holden Heights$5,278
33455Hobe Sound$5,273
33150Gladeview$5,065
32806Conway$5,052

Least Expensive

Zip CodeCityLowest Rate
34234North Sarasota$1,134
32071O Brien$1,136
34994North River Shores$1,137
33544Wesley Chapel$1,140

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 codeAverage 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 codeAverage annual rates
26554$ 1,407
26505$ 1,421
26559$ 1,460
26501$ 1,461
26378$ 1,466
26534$ 1,468

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.

CityAnnual insurance premium
Beckley
$1,366
Charleston
$1,306
Clarksburg
$1,119
Fairmont
$1,072
Huntington
$1,453
Martinsburg
$1,195
Morgantown
$1,111
Weirton
$1,165

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