Cheap Car Insurance in Morgantown, WV

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

Full Bio →

Written by

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Full Bio →

Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Are you in need of cheap auto insurance in Morgantown, WV? From, you could get the lowest priced insurance rates for your area. In order to obtain free car insurance rates offered by the very best providers immediately, provide your local zip code within the quote box in this article.

Morgantown is one of the largest cities in the Northern-Central West Virginia area. It is also a fairly large college town, with the University of West Virginia adding many thousands of students to the overall population during seasonal parts of the year. It is home to the Morgantown Personal Rapid Transit System, a means of public transportation which was popular in the 1960’s but is now extinct in all but a few places.

  • Fun fact: Do you know where the party’s at? Because Morgantown is #84 (26505) on the list of "Top 101 zip codes with the most alcohol drinking places in 2005". Read up on Morgantown by visiting here.

Auto Insurance Coverage Requirements in West Virginia

Driving legally in Morgantown requires:

Coverage Requirements Most Common
Bodily Injury Liability 20,000/40,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury 20,000/40,000 20,000/40,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 0 deductible

Apparently, uninsured motorists are a big enough problem in West Virginia that, unlike other states, Uninsured Motorist coverage is a state minimum requirement. But this type of coverage doesn't just protect you from a driver with no insurance. It also protects you from a driver who hits you and runs away, or from a driver who does have insurance, but not enough insurance to cover their financial liability.

It seems crazy that the average price for West Virginia car insurance is $210 monthly right now - especially since our research shows that you could potentially get decent coverage in Morgantown for as low as $38/mo*! Keep reading, and we'll show you how.

Average Monthly Auto Insurance Premiums Legend: Morgantown Erie State Farm Nationwide Allstate Sentry 5 10 15 20 25 30 35 40 45 50 $22 $32 $41 $43 $53


You can actually get some fantastic rates in Morgantown right now if you hold a policy with Erie or State Farm - assuming you have good credit, a clean driving record, and other favorable circumstances going in your favor. But if any of those circumstances don't apply to you, then you may have to shop around a little more to find the absolute lowest price.

Organizations which underwrite auto insurance policies evaluate several factors while determining insurance quotes, particularly driving experience, accident claims, type of vehicle owned, driving distance to work, and multiple cars and drivers. Also remember that premiums may alter from company to company. To confirm that you're still receiving the best rate, compare cheap Morgantown auto insurance costs on the internet.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Major Car Insurance Factors in Morgantown

You may feel a little hopeless as soon as your automobile insurance agency is pricing your insurance quote; after all, almost all of the aspects that they evaluate aren’t things you can easily change or control. Luckily, however, there are some things which that you are in a position to alter for increased discounts, including:

Your Zip Code

The place you park your vehicle each night will likely have a serious impact on your auto insurance rate. Usually, car insurance cost less in rural areas merely because a lower number of vehicles means a smaller chance that you'll get in an accident with another car. The population of Morgantown is 30,666 and also the normal household income is $32,887.

Auto Insurance by Zip Code Legend: Charleston Huntington Morgantown Parkersburg Wheeling Erie State Farm Nationwide Allstate Sentry 5 10 15 20 25 30 35 40 45 50 55 60 $25 $27 $22 $20 $22 $39 $40 $32 $34 $36 $46 $46 $41 $45 $45 $48 $51 $43 $46 $45 $61 $61 $53 $60 $52


Automotive Accidents

For having a population of less than 31,000 residents, the accident rates in Morgantown are alarmingly high. This, along with the many other unfortunate consequences of unsafe roads, will automatically raise insurance rates in your zip code. However, drivers with clean records can ask their provider if they offer any Safe Driver discounts.

Fatal Accidents in Morgantown, WV Legend: Morgantown Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 15 20 25 10 20 3 10 27 2


Auto Thefts in Morgantown

Dwelling in a big metropolis (Particularly any having a substantial crime rate) raises your risk of becoming a target of auto thieves. Should your regular location have substantial rates of claims for theft, you can expect to spend a lot more for car insurance in order to balanced out these expenses. The full amount of stolen motor vehicles in 2013 decreased slightly to 20, according to Morgantown statistics. And although theft is highly unlikely in your area, that doesn't mean you can't benefit from having Comprehensive coverage.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Erie State Farm Nationwide Allstate Sentry 20 40 60 80 100 120 140 160 180 200 $22 $58 $32 $96 $41 $87 $43 $135 $53 $209


Your Credit Score

Unfortunately, West Virginia is one of many states where your credit score will influence your monthly rates for insurance. You just have to make sure you pay your bills on time, and with consistency, and your provider will lower your rates over time.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Erie State Farm Nationwide Allstate Sentry 10 20 30 40 50 60 70 80 $16 $42 $27 $53 $34 $47 $39 $58 $47 $82


Your Age

Teenage drivers (and the parents of teenage drivers) are fighting an uphill battle when it comes to finding affordable insurance. And while certain discounts will help, such as good grades, driver education, and bundling to the family policy, it will take many years until a young driver will see a substantial drop in their rates.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Erie State Farm Nationwide Allstate Sentry 25 50 75 100 125 150 175 200 225 $22 $76 $32 $118 $41 $165 $43 $155 $53 $241


Your Driving Record

Very few drivers have a perfect driving record. Many motorists have a ticket or two, whether it's from a minor speeding ticket or a "fender-bender" accident. But insurance providers are aware of this fact, and are trying to draw customers in by offering "Accident Forgiveness" discounts. Talk to your provider today to see if this is possible for you.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Erie State Farm Nationwide Allstate Sentry 10 20 30 40 50 60 70 $22 $17 $26 $21 $32 $46 $65 $39 $41 $44 $74 $56 $43 $49 $57 $61 $53 $65 $54 $70


Your Vehicle

Expensive vehicles will carry expensive insurance policies - unless you somehow qualify for unique exceptions which allow you to purchase less coverage than what your luxury vehicle is worth. However, this is usually not the smartest move, because there are many unfortunate situations in which you will be financially responsible if something happens to your vehicle.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Erie State Farm Nationwide Allstate Sentry 15 30 45 60 75 90 105 120 135 150 $22 $71 $32 $128 $41 $97 $43 $164 $53 Do Not Sell


Minor Car Insurance Factors in Morgantown

If you live and drive in West Virginia, you should keep an eye on these less substantial factors as well:

Your Marital Status

Married couples, drivers who own a home, drivers who own multiple vehicles, and many more can take advantage of bundling discounts available from many major insurance providers. However, you have to make sure you choose the right provider. Not all companies are large enough to offer different types of financial products.

Your Gender

Should one gender pay more for their insurance than the other? Probably not, since there's no real scientific evidence to suggest that one gender is more dangerous behind the wheel than the other. But some companies, for whatever reason, still charge a few percentage points difference between genders.

Your Driving Distance to Work

Commute times in and around Morgantown aren’t too bad. Typical trips may last between 10 and 15 minutes, with some excursions reported as taking 10 minutes or less. Just over 63% of those motorists on the road are alone and using their own means of transportation, while a significant 20% of locals prefer to walk from place to place. Another 6% carpool.

Can you save money by driving fewer miles each year? Technically, yes. But you have to slash your mileage by at least 5,000-10,000 or more in order to see a difference, and even then it's rarely more than 4-6%.

Your Coverage and Deductibles

You can raise your deductible to either lower your monthly payment on your current policy, or to add coverage for about the same amount that you're paying now. But make sure you budget for just in case you have to pay that deductible later. Most drivers raise it assuming they will stay lucky and never get into an accident or need to file a claim.

Education in Morgantown, WV

Just over 21% of the population has successfully earned their bachelor’s degree in Morgantown. Trailing slightly behind that group are the high school graduates; 20% of residents have a diploma hanging on their wall. Not only is there a difference in education between these two groups, there is also a noticeable difference in their auto insurance rates – because providers give preferential pricing to drivers with higher levels of education.

Morgantown is the proud home of West Virginia University, one of the largest universities within the state. It is a public institution which was founded back in 1867 and boasts an impressive 29,000 students each term. There are nearly 200 different types of degrees offered by the university which range between bachelor’s, master’s, doctoral, and professional levels.

You shouldn't enable an undesirable car insurance company persuade you into buying an auto insurance policy which is not best for you. Indeed, the actual quantity of information required in order to guesstimate your individual risk profile could be frustrating, however comparison web sites similar to this will help make things a lot easier. Just simply enter a couple of details below, and then we can take it from there.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


West Virginia Office of the Insurance Commissioner

West Virginia Division of Financial Institutions

Department of Highway Safety and Motor Vehicles

Compare rates right now and save hundreds on your future insurance payment.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption