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Renters insurance is an affordable way to protect your rented home or apartment from theft and damage. People often find themselves in a dilemma when it comes to choosing the best renters insurance policies. 

We have gathered quotes from major renters insurance providers across West Virginia and compared the carriers based on several rating factors, including their average renters insurance rates.

Keep on reading this resource to get all the details you will need to choose the best renters insurance in West Virginia.

Best renters insurance companies in West Virginia

When it comes to choosing the best renters insurance company in West Virginia, you want to make sure that you are comparing apples to apples. Our experts at Insurance.com have compared quotes, coverage options and J.D Power score from all the major insurers in West Virginia. Below is the list of best renters insurance companies in West Virginia:

  • USAA
  • State Farm
  • Nationwide
  • Allstate
  • Liberty Mutual

Compare best renters insurance companies in West Virginia

Comparing quotes from multiple insurance carriers is one of the best ways to make sure you will get your money's worth. There can be big differences in price between different renters insurance providers, so it pays to shop around. Make sure you buy the insurance policy from a company that offers affordable renters insurance and provides consistent customer service.

To make your task easy we have compared the carriers for West Virginia residents based on their average rate and rating from J.D. Power. Among the carriers surveyed, USAA is the best renters insurance companies in West Virginia based on the J.D. Power score. It has earned 893 scores out of 1000 from J.D Power. However, only military members, veterans and their families are eligible for purchasing policies from USAA. 

If you are not eligible for services offered by USAA, the next best option is State Farm which has earned 866 scores out of 1000 from J.D. Power.

Find below the average cost and rating of other renters insurance companies in West Virginia.

CompanyJ.D. Power scoreAverage annual rate
USAA893$243
State Farm866$328
Nationwide834$431
Allstate833$214
Liberty Mutual823$196

How much is renters insurance in West Virginia

West Virginia residents pay an average of $314 a year for a standard renters insurance policy, and the average monthly cost is $26. That’s the state average cost for a policy with recommended coverage levels of personal property coverage of $40,000, liability coverage of $100,000, and a deductible of $1,000.

It's important to know that the price of your renters insurance policy will likely not be the same as a neighbor who lives near you. This is because it depends on factors specific for each person; the property you want to insure, extra coverage options you add, and the deductible amount you choose.

Average annual premiumAverage monthly premium
$314$26

10 Most expensive zip codes in West Virginia for renters insurance

A number of factors affect your renters insurance coverage costs in West Virginia including your location and the coverage you buy. The most expensive zip code in West Virginia for renters insurance is 25505, its average annual rate is $331.

The following table lists the 10 most expensive zip codes in West Virginia for renters insurance. We have prepared this list by analyzing quotes from major insurance companies across all the zip codes.

ZIP codeAverage annual rate
25505$331
25665$330
25003$329
25183$328
25625$327
24808$326
24846$325
24716$324
24811$323
24850$322

10 Least expensive zip codes in West Virginia for renters insurance

Renters insurance rates in West Virginia vary based on coverage amount, the renter’s credit history, and where they live. Based on a rate analysis by Insurance.com, the least expensive zip code for renters insurance in West Virginia is 26301, and its average annual rate is $296.

Find below the list of least expensive zip codes for renters insurance along with their average annual rate.

ZIP codeAverage annual rate
26301$296
26323$297
26330$298
26424$299
26339$300
26105$301
26104$302
24901$303
24931$304
24910$305

Cheap renters insurance in West Virginia by carrier

When it comes to shopping for a renters insurance policy, there are a number of options available, and it will be easy for you to find renters insurance quotes. Among the carriers surveyed by Insurance.com, Allstate is the cheapest renters insurance company in West Virginia, its average annual premium is $203.

When you're shopping for renters insurance, know that prices can vary drastically between companies. That's why it is important to compare rates and see which company offers the best deal in order to get coverage at an affordable price.

Below is a list of the best cheap renters insurance companies in West Virginia and their average annual premiums.

Company nameAverage annual premium
Allstate$203
USAA$222
Safeco$239
Liberty$246
American Select$307
State Farm$316
Nationwide$384
Erie$459