The best car insurance in Martinsburg, WV

Latisha Catchatoorian

By

Latisha Catchatoorian

Latisha Catchatoorian

Insurance Expert

Latisha Catchatoorian is a freelance insurance writer at Policygenius, specializing in auto insurance.

Published November 23, 2021

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The average cost of full coverage car insurance in Martinsburg is $1,432 per year, which comes in at $249 less than the West Virginia state average of $1,681. Some Martinsburg drivers may even pay lower car insurance rates, with some companies offering average rates of less than $1,000.

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When buying car insurance, the best way to get the right policy is to compare rates between different companies. Policygenius experts have done the heavy lifting for you so that you can easily compare rates from the top insurance companies and choose the right coverage for you.

Key Takeaways

  • USAA has the lowest average car insurance rate in Martinsburg at $780 per year

  • Nationwide has the lowest average rate in Martinsburg for drivers with poor credit at $1,275 per year

  • West Virginia minimum liability requirements are $25,000 per person and $50,000 per accident in bodily injury liability coverage, and $25,000 in property damage liability coverage

Cheapest car insurance companies in Martinsburg, WV

Several factors such as your age, driving history, and the kind of car you drive go into how insurance companies calculate your premiums. While all companies will generally use the same information to determine your rate, premiums can vary from individual to individual. This is due to the underwriting guidelines and internal processes that are unique to specific insurers. Even if you are the same age as someone who drives the same make and model of car as you, your rate can be different depending on which company you choose. It is important to compare rates ahead of buying car insurance.

Company

Average cost

JD Power Rating

USAA

$780

890

State Farm

$852

881

Nationwide

$937

876

Erie

$1,006

880

GEICO

$1,131

871

Cheapest car insurance rates by ZIP code in Martinsburg, WV

Your ZIP code is a major factor when it comes to how your insurance is priced. Insurance companies use ZIP codes to calculate rates because different geographic areas have different levels of auto accidents, traffic tickets, car thefts, and available parking. Insurance companies take all these factors into consideration.

Below are the average rates by ZIP code in Martinsburg.

ZIP code

Average cost

25401

$1,433

25405

$1,432

Choosing the right car insurance company in Martinsburg, WV

Choosing the best car insurance company in Martinsburg means finding a policy that meets your needs at an affordable price. Also make sure to shop around because some insurance companies may offer discounts that will lower your rates. Our insurance experts at Policygenius are here to help you find the right policy for your budget and lifestyle.

Car insurance rates for drivers with driving violations in Martinsburg, WV

Your driving record, also known as your motor vehicle report or MVR, is used to determine your insurance rate. Your MVR will tell insurance companies whether you have any driving violations such as a DUI or an accident. If you have any of these types of driving violations, it will impact your rates because you are seen as more of a risk. And while every state tracks the same kinds of incidents, each state has unique rules about how long they stay on your MVR. In West Virginia, a driving violation like a traffic violation will stay on your MVR for at least five years, while more serious violations like a DUI can stay on your record for up to 10 years.

Below are the average rates for Martinsburg drivers with violations or accidents on their driving record.

Violation

USAA

State Farm

Nationwide

Erie

GEICO

At-fault Accident

$980

$1,003

$1,436

$1,241

$2,206

DUI

$1,464

$934

$1,737

$1,572

$2,496

Driving with a suspended license

$1,428

$934

$1,737

$1,572

$2,860

Driving with an open container

$1,140

$934

$1,183

$1,151

$2,496

Driving with expired registration

$1,249

$934

$1,183

$1,151

$1,315

Driving without Lights

$947

$934

$1,183

$1,151

$1,700

Failure to show documents

$947

$934

$1,183

$1,151

$1,315

Failure to stop at a red light

$947

$934

$1,183

$1,151

$1,700

Cheapest car insurance for drivers with bad credit in Martinsburg, WV

The state of West Virginia allows insurance companies to rate drivers based on their credit score. Research reveals that drivers with lower credit scores tend to file more claims. This is part of why insurers raise rates for individuals with low credit.

If you are a young driver with a limited credit history or a driver with poor credit, you still have affordable options when it comes to car insurance, however, researching and comparing company rates is imperative.

Company

Rates for drivers with bad credit

Nationwide

$1,275

USAA

$1,458

Westfield Insurance

$1,672

GEICO

$1,677

State Farm

$1,829

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Buying car insurance in Martinsburg, WV

The law in West Virginia says drivers must carry minimum liability insurance coverage that includes the following:

  • $25,000 for bodily injury coverage per person

  • $50,000 for bodily injury coverage per accident

  • $25,000 for property damage coverage per accident

It’s important to note that minimum insurance requirements are low, which means drivers who are in a serious accident could still find themselves financially responsible for damages beyond what their insurance covers. For sufficient coverage, we recommend purchasing the most liability insurance coverage that you can afford should you find yourself in an accident.

West Virginia is also an “at-fault state,” which means that it assigns responsibility of damages to the person who caused the accident, making them liable and financially responsible for any injury or loss to other people or property.

How to get cheap car insurance in Martinsburg, WV

While car insurance is cheaper on average in Martinsburg compared to other cities in West Virginia, it still benefits you to get the best rate that you possibly can. There are several ways to save on car insurance through discounts like:

  • Low mileage discount: Drivers who spend less time on the road (such as people who work from home) typically receive a lower rate than drivers who commute long distances every day.

  • Bundling discount: Purchasing multiple insurance policies (such as auto and home) with the same provider is a great way to lower your insurance rates.

  • Military discount: It isn’t uncommon for insurance companies to offer a discount to active military members and their families.

  • Safe driver discount: Many companies offer discounts to drivers who maintain a clean driving record for at least three years. 

  • Good student discount: If you’re a student with a B average or higher, make sure to ask your insurance company if they offer a good student discount.

  • Group/employer/professional discount: Firefighters, nurses, teachers, and other professions may qualify for discounted car insurance.

Frequently asked questions

Which company has the cheapest car insurance in Martinsburg?

The cheapest average car insurance in Martinsburg is from USAA. However, your personal rates can vary by company, so it’s important to research different companies and compare rates to ensure you’re paying the lowest possible price.

If I’m turning 25 soon, will my rate go down?

Drivers who are turning 25 may see their rates go down, but it depends on several factors. The ZIP code you live in, the kind of car you drive, and your driving record can all impact your rate. But assuming you have maintained a clean driving record, you can expect your rate to go down when you turn 25.

How much car insurance do I need in Martinsburg?

Martinsburg drivers must meet West Virginia’s minimum liability requirements, which include bodily injury liability coverage of $25,000 per person and $50,000 per accident, as well as $25,000 in property damage liability coverage.

If I have bad credit, can I still get a cheap policy?

A driver with poor credit will likely pay higher premiums than someone with good credit. However, affordable options are possible if you shop around and compare rates since premiums can vary greatly by insurance company.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.