Best and cheapest renters insurance in West Virginia

Best renters insurance companies in West Virginia

When choosing the best renters insurance company in West Virginia, make sure you’re comparing on more than just price. We’ve compared quotes, coverage options and J.D. Power scores from all the major insurers in West Virginia. Below is our list of best renters insurance companies in West Virginia based on that analysis, with our score out of five. Note that USAA only offers coverage to military families.

Company	Average rating(out of 5)
Allstate	4
State Farm	4
Erie Insurance	3.5
USAA	3.5
Automobile Club MI (AAA)	3
Nationwide	3

Compare the best renters insurance companies in West Virginia

Comparing quotes from multiple insurance carriers is one way to ensure 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. Ensure you buy from a company offering affordable renters insurance and consistent customer service.

To simplify your task, we have compared the carriers for West Virginia residents based on their average rates and ratings from J.D. Power. Among the carriers surveyed, State Farm is the best renters insurance company in West Virginia. It earned 844 out of 1000 from J.D. Power and has an average renters insurance rate of $200.

The table below offers a detailed comparison of renters insurance companies in West Virginia.

Company	J.D. Power Score	Average Annual Premium	AM Best Ratings
State Farm	844	$200	A++
Allstate	835	$203	A+
Erie Insurance	881	$297	A+
USAA	894	$156	A++
Nationwide	852	$306	A+
Automobile Club MI (AAA)	812	$254	A

How much is renters insurance in West Virginia

West Virginia residents pay an average of $236 a year for renters insurance, and the average monthly cost is $20. That’s for a policy with personal property coverage of $40,000, liability coverage of $100,000, and a deductible of $1,000.

What you pay for renters insurance will not be the same as a neighbor’s price because it depends on factors specific to each person: the property you want to insure, extra coverage options you add, and the deductible amount you choose.

“The number one thing that’s most important is to get good liability. A renter’s policy will default to $100,000 liability,” Josiah Hatch, an insurance pro with Bender Hatch Insurance in Boston, said. “It costs next to nothing to go from $100,000 to $500,000. I want to say it’s probably 10 bucks a year. It’s really cheap to get a lot of extra coverage. I always recommend getting the most liability you can because that’s, at its core, what insurance is all about: the worst-case scenario.”

Average Annual Premium	Average Monthly Premium
$236	$20

Most expensive ZIP codes in West Virginia for renters insurance

Several factors affect your renters insurance coverage cost in West Virginia, including your location and the coverage you buy. The most expensive ZIP code in West Virginia for renters insurance is 24808, where the average annual rate is $264 which is $28 more than the state average insurance premium.

The following table lists the most expensive ZIP codes in West Virginia for renters insurance.

ZIP code	Average Annual Rate
24808	$264
25511	$262
25051	$260
25524	$259
24868	$258
25301	$257
25565	$256
24724	$255
24731	$254
24815	$253

Least expensive ZIP codes in West Virginia for renters insurance

Renters insurance rates in West Virginia are cheaper in some areas. Based on a rate analysis by Insurance.com, the least expensive ZIP code for renters insurance in West Virginia is 26554, and its average annual rate is $210.

Below, you’ll find the least expensive ZIP codes for renters insurance, along with their average annual rates.

ZIP code	Average Annual Rate
26554	$210
25419	$211
25403	$212
26431	$213
25421	$214
26104	$215
25420	$216
26268	$217
25404	$218
25414	$219

Compare renters insurance rates by city in West Virginia

Renters 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 renters insurance for your specific city in West Virginia.

City	Annual insurance premium
Beckley	$245
Charleston	$240
Clarksburg	$218
Fairmont	$210
Huntington	$239
Martinsburg	$216
Morgantown	$224
Weirton	$221

Cheap renters insurance in West Virginia by company

There are a lot of companies offering renters insurance in West Virginia. Among the carriers surveyed by Insurance.com, USAA is the cheapest renters insurance company in West Virginia; its average annual premium is $156.

Renters insurance prices can vary drastically between companies. That’s why it is important to compare rates and see which company offers the best deal to get coverage at an affordable price.

Below are the best cheap renters insurance companies in West Virginia and their average annual premiums.

Company Name	Average Annual Premium
USAA	$156
State Farm	$200
Allstate	$203
Westfield Insurance	$238
Automobile Club MI (AAA)	$254
Erie Insurance	$297
Nationwide	$306

Methodology

Insurance.com compared renters insurance rates in 2022 provided by Quadrant Data Solutions for $40,000 personal property coverage with a $1,000 deductible and $100,000 liability coverage for all available ZIP codes based on a renter with good credit. Content was updated in 2023.