Compare Martinsburg, WV Car Insurance Rates (2021)

Car insurance in Martinsburg, WV averages $297 a month. Martinsburg, West Virginia car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Martinsburg car insurance rates, compare quotes from the top car insurance companies in Martinsburg, WV.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Martinsburg, WV after a DUI are $4,360/year
  • The cheapest car insurance company in Martinsburg for teen drivers is State Farm
  • The cheapest car insurance company in Martinsburg is State Farm

If you need to buy Martinsburg, West Virginia car insurance, the options can be confusing. Everything you need to know about car insurance in Martinsburg, WV is right here.

You’ll find Martinsburg car insurance rates, the cheapest Martinsburg, WV car insurance companies, and information on West Virginia car insurance laws. You can also compare Martinsburg, West Virginia car insurance rates to Vienna car insurance rates, Huntington car insurance rates, and St. Albans car insurance rates.

Ready to find affordable Martinsburg, WV car insurance today? Enter your ZIP code for fast, free Martinsburg car insurance quotes.

Cheapest Martinsburg, WV Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Martinsburg, WV car insurance rates? Every Martinsburg, West Virginia car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Martinsburg, West Virginia

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,586 $2,406 $2,311 $2,317 $9,181 $9,589 $2,867 $2,874
GEICO $2,274 $2,242 $2,164 $2,098 $5,574 $6,721 $2,185 $2,277
Liberty Mutual $3,607 $3,915 $2,899 $3,527 $13,705 $15,460 $3,725 $4,100
Nationwide $1,789 $1,816 $1,635 $1,711 $4,520 $5,700 $2,008 $2,145
Progressive $1,960 $1,883 $1,817 $1,815 $8,474 $9,494 $2,341 $2,405
State Farm $1,439 $1,439 $1,297 $1,297 $3,204 $4,132 $1,697 $1,344
USAA $1,585 $1,562 $1,473 $1,485 $5,226 $5,784 $2,044 $2,194

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Minimum Car Insurance in Martinsburg, WV

Every driver must carry the minimum car insurance in Martinsburg, WV. Take a look at the West Virginia car insurance requirements.

Minimum Required Car Insurance Coverage in Martinsburg, West Virginia

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Martinsburg, WV Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Martinsburg, WV. Compare credit history car insurance rates in Martinsburg from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Martinsburg, West Virginia

Insurance Company Poor Fair Good
Allstate $5,165 $4,114 $3,520
GEICO $3,849 $3,130 $2,597
Liberty Mutual $9,107 $5,597 $4,398
Nationwide $3,034 $2,565 $2,398
Progressive $4,213 $3,681 $3,426
State Farm $2,841 $1,736 $1,366
USAA $3,936 $2,262 $1,809

Cheapest Martinsburg, WV Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Martinsburg, WV to rates for a clean record with top companies.

Annual Martinsburg, West Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,614 $4,272 $5,085 $4,095
GEICO $1,977 $3,177 $5,493 $2,121
Liberty Mutual $5,217 $6,587 $7,295 $6,370
Nationwide $2,145 $2,838 $3,298 $2,382
Progressive $3,213 $4,292 $3,831 $3,759
State Farm $1,820 $2,142 $1,981 $1,981
USAA $2,101 $2,480 $3,534 $2,560

Cheapest Martinsburg, WV Car Insurance for Teen Drivers

Teen car insurance in Martinsburg, WV can be expensive. Take a look at rates from the top car insurance companies in Martinsburg for teenagers.

Annual Car Insurance Rates for Teen Drivers in Martinsburg, West Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,181 $9,589
GEICO $5,574 $6,721
Liberty Mutual $13,705 $15,460
Nationwide $4,520 $5,700
Progressive $8,474 $9,494
State Farm $3,204 $4,132
USAA $5,226 $5,784

Cheapest Martinsburg, WV Car Insurance for Seniors

Take a look at Martinsburg, WV senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Martinsburg, West Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,311 $2,317
GEICO $2,164 $2,098
Liberty Mutual $2,899 $3,527
Nationwide $1,635 $1,711
Progressive $1,817 $1,815
State Farm $1,297 $1,297
USAA $1,473 $1,485

Cheapest Martinsburg, WV Car Insurance Rates After a DUI

A DUI in Martinsburg, WV increases car insurance rates. Compare Martinsburg, West Virginia DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Martinsburg, West Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,085
GEICO $5,493
Liberty Mutual $7,295
Nationwide $3,298
Progressive $3,831
State Farm $1,981
USAA $3,534

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Cheapest Martinsburg, WV Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Martinsburg, WV by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Martinsburg, West Virginia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,266 $4,266
GEICO $3,157 $3,226
Liberty Mutual $6,367 $6,367
Nationwide $2,666 $2,666
Progressive $3,774 $3,774
State Farm $1,929 $2,034
USAA $2,638 $2,700

Cheapest Martinsburg, WV Car Insurance Rates by ZIP Code

Martinsburg car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Martinsburg, WV.

Annual Car Insurance Rates by ZIP Code in Martinsburg, West Virginia

ZIP Code Average Annual Rates
25401 $3,491
25403 $3,561
25404 $3,547
25405 $3,534

The Best Cheap Car Insurance Companies in Martinsburg, WV

Take a look at a side-by-side comparison of the top car insurance companies in Martinsburg, WV to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Martinsburg, West Virginia

Insurance Company Average Annual Rates
Allstate $4,266
GEICO $3,192
Liberty Mutual $6,367
Nationwide $2,666
Progressive $3,774
State Farm $1,981
USAA $2,669

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Category Winners: Cheapest Car Insurance in Martinsburg, West Virginia

Find the cheapest car insurance companies in Martinsburg, WV for each category right here.

Best Annual Car Insurance Rates by Company in Martinsburg, West Virginia

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

Cheapest Martinsburg, WV Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Martinsburg car insurance rates. Find the cheapest Martinsburg, WV car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Martinsburg, West Virginia

Insurance Company Low Medium High
Allstate $4,135 $4,260 $4,404
GEICO $3,005 $3,199 $3,372
Liberty Mutual $6,053 $6,352 $6,696
Nationwide $2,616 $2,651 $2,730
Progressive $3,624 $3,735 $3,961
State Farm $1,856 $1,975 $2,113
USAA $2,578 $2,664 $2,765

What affects car insurance rates in Martinsburg, West Virginia?

What factors can have an impact on Martinsburg, WV car insurance? There are several reasons why Martinsburg car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Martinsburg, West Virginia.

Commute Time in Martinsburg

The more time you spend in your car the higher the risk of an accident. The average commute length in Martinsburg, WV is 25.5 minutes according to City-Data.

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Compare Car Insurance Quotes in Martinsburg, WV

Ready to find affordable Martinsburg, West Virginia car insurance today? Enter your ZIP code for fast, free Martinsburg, WV car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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