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Jerry Data & Research
Cheapest car insurance in Keyser, West Virginia (Oct 2024)
Cheapest car insurance in Keyser, West Virginia (Oct 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Keyser, West Virginia.
Find Insurance Savings
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Quotes from top insurance companies
Bonnie Stinson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- Best car insurance companies in Keyser
- Cheapest car insurance quotes in Keyser
- Best cheap car insurance quotes in Keyser
- Average cost of car insurance in Keyser
- Car insurance quotes in Keyser by rating factors
- How do different factors impact your car insurance costs in Keyser?
- Cheap car insurance quotes in Keyser after driving violations
- Cheap car insurance quotes in Keyser by age
- Cheap car insurance quotes in Keyser based on insurance history
- Cheap car insurance quotes in Keyser for popular cars
- Why is car insurance in Keyser so expensive?
- How to lower car insurance costs in Keyser
- FAQ
- Methodology
- Meet our experts
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Best car insurance companies in Keyser
To find the right policy for your needs, it can be helpful to see how other people have rated top companies.
Jerry
recently served 16,000 policyholders and asked them to rate more than 40 insurance companies.Ultimately, there isn’t a “best” company in Keyser because rates vary so much between drivers. Even if price was your only criteria, your rate will be different from the average rate.
State Farm
in Keyser WV is a popular choice, as is Westfield. You may find savings with Erie, GEICO, and USAA
, which all tend to have rates below the state average. Nationwide Insurance
, Progressive
, and Allstate
offer coverage in Keyser, but premiums may be higher than with other companies.Take a look at these ratings from real drivers—and note which fits your criteria.
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Cost rating | Overall Jerry rating |
|---|---|---|---|---|
$39 | $81 | 4.2 | 4.4 | |
Clearcover | $39 | $188 | N/A | 4.6 |
$41 | $113 | 4.3 | 4.4 | |
$48 | $112 | 3.9 | 4.2 | |
$55 | $171 | 3.3 | 4.3 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Cheapest car insurance quotes in Keyser
In Keyser, the typical monthly expense for
auto insurance
is $45 per month for the state minimum, and $122 for full coverage. That’s cheaper than the state average by about 9.8%.The diversity among Keyser drivers leads to varying car insurance rates. In other words, a one-size-fits-all approach to “cheapest” insurance doesn’t exist. But Jerry is helping West Virginia drivers find affordable rates.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $176 | Jim, 26 Zip: 26726 | Chevrolet Colorado ZR2 | • State Minimum Liability • Comp / Collision |
| Safeco | $84 | Mabelle, 46 Zip: 26726 | Chrysler Town & Country LX | • 50,000/100,000 Liability • Comp / Collision |
| State Auto | $121 | Julia, 32 Zip: 26726 | KIA Forte LX | • State Minimum Liability |
Last Updated Oct 16, 2024Best cheap car insurance quotes in Keyser
Before you can legally hit the road, you must prove financial responsibility. Typically, this happens through purchasing an insurance policy that fits
West Virginia’s minimum requirements
—but you can also get more coverage than the bare minimum.Cheap minimum liability insurance quotes in Keyser
All Keyser drivers must have at least 25/50/25 liability coverage, which includes bodily injury and property damage liability. This includes:
- $50,000 per accident of bodily injury liability coverage
- $25,000 per accident ofproperty damage liability
Minimum coverage in West Virginia also requires uninsured motorist coverage that carries the same limits as liability coverage. All drivers in this state must adhere to these requirements.
Keyser drivers have found minimum coverage with Jerry—see the examples below.
Do you need more than minimum coverage in Keyser?
You’re legal to drive if you only have 25/50/25 liability coverage and uninsured motorist coverage. However, these policy limits may not cover all your legal obligations in the event of a serious accident.
Imagine you cause an accident that results in a $60,000 hospital stay for the injured party and totals their $45,000 new car. Your policy won’t cover all those costs and you’ll legally be on the hook for the remainder.
Furthermore, liability only pays for the damage you cause to others. Liability doesn’t cover any damage to your own vehicle.
Experts recommend that you purchase as much liability coverage as you can afford. Consider limits of 50/100/50 or 100/300/100 instead of the state recommended 25/50/25—and consider other coverages, such as comprehensive and collision coverage, or roadside assistance if you want protection for your own car.
Experts recommend that you purchase as much liability coverage as you can afford. Consider limits of 50/100/50 or 100/300/100 instead of the state recommended 25/50/25—and consider other coverages, such as comprehensive and collision coverage, or roadside assistance if you want protection for your own car.
Cheap full coverage car insurance quotes in Keyser
Full coverage
will pay out to cover your own car if it gets damaged. It includes:- Collisioncoverage: This pays for repair or replacement if your vehicle is damaged in a collision with a vehicle or stationary object.
- Comprehensivecoverage: This pays out if your vehicle is damaged by non-collision causes, like a windstorm or vandalism.
While West Virginia doesn’t mandate full coverage, your lender might. If you’re driving a financed vehicle, you can be required to carry full coverage until the loan is fully paid off.
Here are some real rates for full coverage in Keyser:
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $176 | Jim, 26 Zip: 26726 | Chevrolet Colorado ZR2 |
• 50,000/100,000 Liability • Comp / Collision | State Auto | $86 | Ruth, 46 Zip: 26726 | Chrysler Town & Country LX |
Last Updated Oct 16, 2024Shopping around is time-consuming—except Jerry can streamline the entire process into 60 seconds. Finding the coverage in Keyser that fits your insurance needs is easy with
Jerry
.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Keyser
The average cost of minimum coverage car insurance in Keyser is $44 per month, or $534 per year. For a full coverage option, most drivers pay approximately $122 per month, or $1,463 annually.
Average rates are good intel, but it won’t tell you much about what your actual rates will be. Every driver deviates from “average” somewhat, which means your rates will vary, too. It could be lower, especially if you qualify for unique discounts.
Car insurance quotes in Keyser by rating factors
Companies
calculate
your rate using a long list of factors that make you unique. Here are the things companies take most seriously:- Zip code: Keyser neighborhoods have unique risk profiles. Some have higher traffic accident rates or more auto thefts, which is why your friend across town pays a slightly different rate.
- Credit score: Drivers with credit scores lower than 600 can expect to pay higher than average rates.
- Driving record and claims history: Traffic violations and filing claims are red flags to insurance companies—a long or spotty history will trigger higher rates.
- Make and model: Sports cars and luxury cars cost a lot more to insure because their replacement costs are higher. However, you’ll save money by driving an economical model.
- Usage: Commuters who put a ton of miles on their cars pay more for insurance coverage than infrequent drivers.
Keep in mind that every company has its own formula, and calculations change all the time. Shopping around is the only way to find out which company offers the best rate for your desired type of insurance.
How do different factors impact your car insurance costs in Keyser?
How do different factors impact your car insurance costs in Keyser?
Allowed (with applicable limitations): Driving experience, age, gender, occupation, credit history, education, marital status, employment status, residential status.
Prohibited (or effectively prohibited):
Learn more about the car insurance rating factors in Keyser:
Cheap car insurance quotes in Keyser after driving violations
Violations can raise your rates, especially if they’re severe. Worst of all, you can be denied coverage as a high-risk river.
Here are some of the violations that can raise your rates as a Keyser driver:
- Speeding
- DUIs
- At-fault accidents
- Driving on a suspended license
- Driving without insurance
Cheapest car insurance in Keyser after speeding ticket
One
speeding ticket in West Virginia
can tank your rate, but reckless speeding (dangerous behavior over 15 MPH) can bump them up significantly—for years.Even if you have a speeding ticket, you can find coverage in Keyser through Jerry.
Last Updated Oct 13, 2024Cheapest car insurance in Keyser after DUI
DUI convictions in West Virginia
are serious. You’ll face fees, possible license suspensions, and classification as a high-risk driver. On top of that, your insurance rates will skyrocket—or you’ll lose coverage.Keyser drivers with DUI convictions have found coverage in West Virginia through Jerry.
Cheapest car insurance in Keyser after an at-fault accident
At-fault accidents are red flags to insurance companies because they predict future risk.
If you are a Keyser driver with an at-fault accident on record, you can expect higher-than-average rates. However, you can still shop around and find reasonable rates.
Here are some quotes from real local drivers who found coverage after an at-fault accident.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | State Auto | $164 | Rhoda, 31 Zip: 26726 | Chevrolet Equinox LT | • State Minimum Liability • Comp / Collision |
Not At Fault | Progressive | $74 | Caleb, 31 Zip: 26726 | KIA Forte LX | • State Minimum Liability |
At Fault With No Injury | State Auto | $164 | Nell, 31 Zip: 26726 | Chevrolet Equinox LT | • State Minimum Liability • Comp / Collision |
Last Updated Oct 15, 2024Cheapest car insurance in Keyser after other driving violations
You’re vulnerable to more than just at-fault accidents and DUIs. Even a minor violation like breaking the
open container law
can cause a rate hike just for blowing through a stop sign.Here are some example rates from real Keyser drivers, and you can see how rates fluctuate based on the violation on record.
Last Updated Oct 16, 2024Cheap car insurance quotes in Keyser by age
Age is a key factor in determining your rates. Young drivers have less experience and are more likely to file a claim, so they’re charged higher rates. Older drivers over 75 have slower reflexes and their hospital stays are more expensive—so they often pay higher rates, too.
Cheapest car insurance in Keyser for young drivers
Teens
under 19 pay the highest rates of all age groups in West Virginia. But it’s not all bad news—teens can save money by staying on a parent’s policy and qualifying for a good student discount.Check out these rates that young drivers are paying in Keyser through Jerry.
Andre (24 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Keyser, WV (Zip Code: 26726)
$178
per month
Cheapest car insurance in Keyser for senior drivers
Older drivers must pay more for coverage because their recovery costs are higher after an accident. Plus, they are more vulnerable to getting into an accident.
Seniors can find car insurance
in Keyser through Jerry, like the drivers below.
Cheap car insurance quotes in Keyser based on insurance history
Continuous insurance is the golden ideal in the insurance world. It shows reliability and predictability, which means you get lower rates with continuous coverage.
Lapses
—even a single lapse because you forgot to pay on time—can trigger a rate hike. Jerry can help Keyser drivers with lapses find coverage, like the ones below. Even better, Jerry helps drivers avoid lapses by sending helpful reminders whenever payment is due.
Mitchell (28 years old)
$153
per month
Elmer (31 years old)
$121
per month
Clearcover
Amy (45 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Keyser, WV (Zip Code: 26726)
$124
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Best service I've ever got.
Luisa
It was a really good insurance company. Really that you can count on. Almost had it for six years now. It's one the best in my book.
Leslie
Excellent customer service
Mayowa
Saved a ton switching to Travelers.
Isaiah
Cheap car insurance quotes in Keyser for drivers with poor credit
Drivers with lower credit scores (below 600) can expect to pay higher premiums in West Virginia. That’s because data shows these drivers file more claims, which costs companies more money.
Take a look at these car insurance premiums in Keyser and note the credit scores of each driver.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
660 - 750 | Progressive | $178 | Winifred, 23 Zip: 26726 | Mercedes-Benz C 300 4matic | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | Progressive | $178 | Flora, 23 Zip: 26726 | Mercedes-Benz C 300 4matic | • 100,000/300,000 Liability • Comp / Collision |
550 - 659 | State Auto | $83 | Ellen, 26 Zip: 26726 | Toyota Camry CE | • State Minimum Liability |
Last Updated Oct 16, 2024Cheap car insurance quotes in Keyser for popular cars
Your car insurance rate depends partially on the make and model you drive. That’s because some cars have higher theft rates, and other models cost more to repair or replace.
| Popular car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| Ford Ford_f-150 | Progressive | $66 | Darrell, 39 Zip: 26726 | • 50,000/100,000 Liability • Comp / Collision |
| Chevrolet Chevrolet_silverado | Safeco | $69 | Ivan, 37 Zip: 26726 | • State Minimum Liability • Comp / Collision |
Last Updated Oct 14, 2024Why is car insurance in Keyser so expensive?
Premiums here are usually lower than they are nationwide. Prices vary, of course, but rates tend to be lower here for several key reasons:
- Low cost of living
- Relatively low crime rate
- Fewer drivers on the road
How to lower car insurance costs in Keyser
Saving money is possible if you’re willing to do some work—and some paperwork. Try one of these tips to cut costs on car insurance in Keyser:
- Comparison shop: Pull quotes from competitor companiesevery six months, just to see if there’s a better rate. You can either shop with an insurance agent, or a broker app, like Jerry.
- Bundleyour policies: Combine your auto and home insurance or renters insurance to save on both car insurance and homeowners insurance.
- Shop for discounts: Qualify fordiscounts, like the good driver or good student discount to earn lower premiums.
- Raise your deductible: If you can afford to, consider raising your deductible on full coverage for a cheaper policy cost.
- Enroll in telematics: Several providers offer insurance products, like telematics apps, to help drivers build good habits and lower their monthly payment.
FAQ
How much is car insurance in Keyser?
The average driver will pay about $45 per month, or $534 per year on minimum car insurance in Keyser. For full coverage, most motorists in Keyser pay around $122 per month, or $1,463 annually. However, that’s just an average—you probably will pay more or less, depending on your unique driver profile.
What is the minimum car insurance in Keyser, West Virginia?
All drivers must carry at least 25/50/25 in liability coverage in West Virginia, according to state law. That’s $25,000 per person and $50,000 per accident in bodily injury liability plus $25,000 in property damage liability. Drivers must also carry uninsured motorist coverage.
What is the cheapest car insurance in Keyser?
State Farm
, Nationwide
, and Progressive
tend to offer the cheapest rate to average Keyser drivers. Yet, USAA
may offer better value for military members. Overall, there is no single “cheapest” company for every Keyser driver. You’ll have to pull custom quotes from multiple companies to see which one is actually the cheapest for you.What is the best car insurance in Keyser?
Safeco
, Clearcover, and State Auto
earned good ratings from Keyser drivers, according to a recent survey. Remember to consider price as well as customer service and claims handling ratings when you’re selecting a company.Who has the cheapest insurance in WV?
Safeco
, Clearcover, State Auto
, and Progressive
tend to offer low rates to West Virginia drivers. However, rates vary dramatically from one city—and one driver—to the next. You should shop around with multiple companies to see which one has the lowest rate for your driver profile.What is the average cost of car insurance in WV?
You might pay anywhere between $58 and $134 for coverage in West Virginia—or possibly higher or lower, depending on your driver profile. Your claims history, zip code, credit score, and coverage levels will affect this rate.
Do you need car insurance in West Virginia?
Car insurance is legally required of all drivers in West Virginia. Everyone must carry at least 25/50/25 in liability coverage with the same policy limits for uninsured motorist coverage, too.
What is the penalty for driving without insurance in West Virginia?
You may be forced to pay fines ranging from $200 to $5,000, not including reinstatement fees. You may also lose your license and registration for 30 days, and face jail time up to 12 months or more, depending on the circumstances of the incident.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.