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Cheapest car insurance in Oak Hill, West Virginia (Nov 2024)
Cheapest car insurance in Oak Hill, West Virginia (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Oak Hill, West Virginia.
Find Insurance Savings
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Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content 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 Oak Hill
- Cheapest car insurance quotes in Oak Hill
- Best cheap car insurance quotes in Oak Hill
- Average cost of car insurance in Oak Hill
- Car insurance quotes in Oak Hill by rating factors
- How do different factors impact your car insurance costs in Oak Hill?
- Cheap car insurance quotes in Oak Hill after driving violations
- Cheap car insurance quotes in Oak Hill by age
- Cheap car insurance quotes in Oak Hill based on insurance history
- Cheap car insurance quotes in Oak Hill for popular cars
- How to lower car insurance costs in Oak Hill
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Best car insurance companies in Oak Hill
To help drivers in Oak Hill find the insurer that will fit them best, Jerry experts conducted a massive survey involving 50 top insurance providers. We interviewed over 15,000 real policyholders, asking them to rate their current insurer in terms of cost-effectiveness, customer service, and claims handling.
While no single company guarantees the cheapest rates for every driver,
Safeco
, State Auto
, and State Farm
in Oak Hill, WV stand out across all categories. On the flip side, Allstate
, Progressive
, and Nationwide Insurance
in Oak Hill, WV tend to have higher prices. Take a look at the table below to see the providers in Oak Hill that ranked 4.0 or higher on our survey overall, and their corresponding average full and minimum coverage costs.
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Cost rating | Overall Jerry rating |
|---|---|---|---|---|
$29 | $103 | 4.0 | 4.3 | |
$37 | $121 | 4.0 | 4.0 | |
$51 | $111 | 4.3 | 4.4 | |
$51 | $169 | 3.8 | 3.6 | |
$53 | $119 | 4.2 | 4.2 | |
$85 | $136 | 4.3 | 4.4 | |
$99 | $287 | 4.7 | 4.7 |
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 Oak Hill
On average, Oak Hill residents pay roughly $61 per month for liability-only
car insurance
and $141 full coverage insurance coverage. Drivers in Oak Hill pay 5% more for car insurance compared to the statewide average in West Virginia.It's important to note that there's no one-size-fits-all solution from a single insurance company, as the diverse profiles of Oak Hill drivers create variations in car insurance rates.
To find the coverage options that fit your insurance needs, take the time to explore and compare options.
Jerry
has a solid track record of guiding West Virginia drivers in securing affordable car insurance.| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $275 | Esther, 26 Zip: 25901 | Ford Focus S | • 50,000/100,000 Liability • Comp / Collision |
| Safeco | $64 | William, 43 Zip: 25901 | Ford F-150 Heritage Classic | • State Minimum Liability |
| Allstate | $214 | Georgia, 26 Zip: 25901 | Ford Focus S | • 50,000/100,000 Liability • Comp / Collision |
Clearcover | $73 | Cody, 50 Zip: 25901 | Subaru Legacy 30TH Anniversary Outback | • State Minimum Liability |
Last Updated Nov 18, 2024Best cheap car insurance quotes in Oak Hill
Law mandates that drivers in Oak Hill must demonstrate financial responsibility before hitting the road. The simplest way to fulfill this requirement is by obtaining car insurance that aligns with the
state's minimum standards
. Many Oak Hill drivers find advantages in opting for full coverage or other optional coverage types.
Cheap minimum liability insurance quotes in Oak Hill
Every West Virginia driver is obliged to maintain minimum liability coverage, ensuring a 25/50/25 balance for property damage and bodily injury liability protection. Required coverage also included uninsured motorist protection.
Cheapest minimum liability coverage car insurance quotes in West Virginia
In West Virginia, the car insurance rules are straightforward:
Every driver must also get uninsured motorist coverage with the same limits for bodily injury, as mandated by state law—no exceptions.
Jerry excels in assisting Oak Hill drivers with meeting these requirements.
Louis (67 years old)
$120
per month
Clearcover
Cody (50 years old)
$73
per month
Do you need more than minimum coverage in Oak Hill?
If your budget only allows for the minimum coverage of 25/50/25, you're still legal to drive. Yet more coverage means more protection—and the expenses resulting from a major car accident could surpass West Virginia's minimum limits.
Imagine causing a serious accident. Your responsibility extends to covering lengthy hospital stays, car replacements, and lost wages for the other party. The likelihood is that 25/50/25 won't cover all these costs, leaving you accountable for anything beyond those policy limits.
Moreover, liability-only coverage won't handle your own medical bills or vehicle damages—this will either come from your own personal insurance, or your wallet.
Whether you opt for a full coverage or liability-only auto insurance policy, it’s always best to consider upping your limits for added peace of mind. Most experts suggest limits of 50/100/50 or 100/300/100 to protect your assets and future income.
Whether you opt for a full coverage or liability-only auto insurance policy, it’s always best to consider upping your limits for added peace of mind. Most experts suggest limits of 50/100/50 or 100/300/100 to protect your assets and future income.
Cheap full coverage car insurance quotes in Oak Hill
Liability coverage won't cover damages to you or your car. For this kind of protection, you need a
full coverage
policy which includes collision and comprehensive coverage.- Collisioncoverage handles damage from crashes (with cars and other objects).
- Comprehensivecoverage takes care of non-collision incidents like vandalism or theft.
Along with a full coverage policy, drivers can also gain access to additional insurance products, such as
roadside assistance
and rental reimbursement
. Keep in mind, if your car is financed, your lender may mandate full coverage until it's paid off, so check with them first.Here are some real costs for full coverage from Oak Hill drivers.
The hardest part of buying insurance is comparing prices and coverage levels. Simplify the process with Jerry, a comparison app that streamlines your search. Jerry offers dedicated support tailored for Oak Hill drivers to help them make better insurance decisions.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $275 | Esther, 26 Zip: 25901 | Ford Focus S |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $214 | Georgia, 26 Zip: 25901 | Ford Focus S |
• State Minimum Liability • Comp / Collision | Clearcover | $280 | Gene, 52 Zip: 25901 | Dodge Journey SXT |
Last Updated Nov 18, 2024
"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 Oak Hill
Jerry's data indicates that Oak Hill's average car insurance cost is $61 per month or $730 annually for minimum coverage. A full coverage policy averages $141 monthly or $1,693 yearly in Oak Hill.
Understanding these averages in Oak Hill, West Virginia provides a ballpark figure, but keep in mind there's no one-size-fits-all. Your rates might differ based on your unique driver profile, triggering specific rates and discounts.
Car insurance quotes in Oak Hill by rating factors
Your location, vehicle, and driving history significantly impact how companies
calculate
your insurance costs in Oak Hill. Consider these factors:- Driving record and claims history: Insurance companies view claims and tickets as red flags. If you have a troubled driving history, expect to pay more than the average driver for coverage.
- Credit score: In states like West Virginia, your credit history affects rates. A credit score below 600 often results in higher-than-average car insurance premiums.
- Zip code: Auto theft rates, traffic accidents, and weather patterns vary across West Virginia. Your zip code determines a unique risk profile, causing drivers in certain parts of Oak Hill to pay higher rates.
- Make and model of your vehicle: Luxury and high-performance cars cost more to insure due to expensive repairs after accidents. Conversely, practical vehicles with safety features may result in lower premiums.
- Usage: Frequent commuting increases coverage costs, as more time on the road means more accident opportunities.
Insurance providers use individual formulas to calculate risk, weighing certain factors differently. This can lead to rate variations among providers.
How do different factors impact your car insurance costs in Oak Hill?
How do different factors impact your car insurance costs in Oak Hill?
Allowed (with applicable limitations): Driving experience, age, gender, occupation, credit history, education, marital status, employment status, residential status.
Prohibited (or effectively prohibited):
Learn more abut the car insurance rating factors in Oak Hill:
Cheap car insurance quotes in Oak Hill after driving violations
Having driving violations on your West Virginia record labels you as a
high-risk driver
. Obtaining insurance under this category often comes with steep rates. Insurers may even decline coverage for high-risk drivers.Several common violations lead to increased insurance rates, including:
- Speeding
- DUIs
- At-fault accidents
- Driving on a suspended license
- Driving without insurance.
Violations can significantly impact your ability to secure affordable coverage.
Cheapest car insurance in Oak Hill after speeding ticket
A single
speeding ticket in West Virginia
, particularly if exceeding 15 mph over the limit, can negatively impact your insurance rates. The severity of the offense determines the penalties. Reckless driving convictions generally result in very high rates. For all drivers, including those with tickets, it's advisable to
shop around
and compare rates. Check out examples of the most budget-friendly options for Oak Hill drivers with speeding tickets.
Last Updated Nov 21, 2024Cheapest car insurance in Oak Hill after DUI
A
DUI conviction in West Virginia
not only leads to a sharp increase in insurance rates but also brings about serious legal and financial repercussions. Earning the “high-risk driver” designation post-DUI can make finding coverage difficult. The truth is that denial is a potential outcome.
Navigating insurance post-DUI can be tricky, but Jerry has a track record of helping high-risk Oak Hill drivers secure cost-effective rates despite this obstacle.
Cheapest car insurance in Oak Hill after an at-fault accident
If you cause a wreck, suddenly you're on the insurance radar as a high-risk player. Those premiums will skyrocket.
In Oak Hill, Jerry has the inside scoop on rates that won't break the bank—even if you've got a few at-fault marks on your driving dossier.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $275 | Duane, 26 Zip: 25901 | Ford Focus S | • 50,000/100,000 Liability • Comp / Collision |
Not At Fault | Nationwide | $121 | Cory, 40 Zip: 25901 | GMC Terrain SLE | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Allstate | $214 | Adele, 25 Zip: 25901 | Ford Focus S | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 16, 2024Cheapest car insurance in Oak Hill after other driving violations
Whether it's a sneaky sip from an
open container
or a casual disregard for a stop sign, minor traffic slip-ups can pile up and take a toll on your car insurance rates. Major violations, like driving without insurance or other reckless maneuvers, can have an even more significant impact on your rates. Here are real rates from Oak Hill drivers who've found themselves on the wrong side of common traffic rules.
Last Updated Nov 21, 2024Cheap car insurance quotes in Oak Hill by age
In West Virginia, your age plays a role in determining car insurance premiums. Whether you're a seasoned driver or just hitting the road, these factors can nudge your premiums up a notch.
Typically, drivers between 16 to 19 encounter the steepest rates, closely followed by the mid-70s group.
Cheapest car insurance in Oak Hill for young drivers
Teen drivers
in West Virginia grapple with the highest insurance rates due to their lack of road experience. Drivers under 19 face a higher risk of collisions. Despite this, teens can tap into various car insurance discounts to help them trim down monthly payments. Check out these real-life Oak Hill young drivers and what they're paying for insurance.
Chester (23 years old)
$102
per month
Cheapest car insurance in Oak Hill for senior drivers
Car insurance rates for seniors
are usually a bit higher, primarily due to their increased vulnerability in accidents and diminished reflexes. But here's the good news: Finding affordable car insurance for our seniors is absolutely doable. Jerry came to the rescue for some wonderful seniors in Oak Hill, helping them find savings on coverage.
Louis (67 years old)
$120
per month
Cheap car insurance quotes in Oak Hill based on insurance history
Insurance companies keep a keen eye on coverage gaps. A
brief lapse
in car insurance can lead to increased premiums, painting you as an unpredictable and risky driver.Jerry gives you a handy tool to flip on notifications. These reminders ensure timely payments, preventing those pesky coverage gaps.
If you find yourself in a bind trying to secure car insurance post-lapse, shop around. Jerry's been a reliable ally for Oak Hill drivers facing this challenge.
Alan (26 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Oak Hill, WV (Zip Code: 25901)
$275
per month
Sean (40 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Oak Hill, WV (Zip Code: 25901)
GMC Terrain SLE$121
per month
Lilly (40 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Oak Hill, WV (Zip Code: 25901)
GMC Terrain SLE$108
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:
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
Best service I've ever got.
Luisa
Saved a ton switching to Travelers.
Isaiah
Cheap car insurance quotes in Oak Hill for drivers with poor credit
Your credit score, whether high or low, can have a significant impact on your premium. Some states choose to exclude credit as a factor in calculating those insurance rates. However, West Virginia is not among those states.
Research indicates a correlation between poor credit and increased insurance claims. So, if your credit score falls below 600, you should expect your car insurance rates in Oak Hill to be higher than average.
Check out these sample insurance premiums from real drivers in West Virginia who are grappling with less-than-ideal credit scores.
| Credit range | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
660 - 750 | Dairyland | $95 | Mattie, 28 Zip: 25901 | Hyundai Accent GS | • State Minimum Liability |
660 - 750 | Dairyland | $95 | Martin, 28 Zip: 25901 | Hyundai Accent GS | • State Minimum Liability |
550 - 659 | Progressive | $275 | Louis, 26 Zip: 25901 | Ford Focus S | • 50,000/100,000 Liability • Comp / Collision |
< 550 | Progressive | $120 | James, 67 Zip: 25901 | Dodge Dart SE | • State Minimum Liability • Comp / Collision |
Last Updated Nov 16, 2024Cheap car insurance quotes in Oak Hill for popular cars
The vehicle you choose is a real game-changer for your insurance costs. Each model has a unique repair cost—and some are more vulnerable to theft, which can bump up rates.
| Popular car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| Toyota RAV4 Limited | Progressive | $145 | Jack, 23 Zip: 25901 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 20, 2024Why is car insurance in Oak Hill so expensive?
Insurance prices in this area are more budget-friendly than the national average due to several factors:
- Oak Hill has fewer drivers on the roads.
- Oak Hill has a lower cost of living.
- Oak Hill’s crime rate is lower than average.
Remember, these are just averages. If you relocate to a more bustling area of West Virginia, your insurance rate might increase above the national average.
How to lower car insurance costs in Oak Hill
For all you Oak Hill drivers out there, here’s some sage advice to stretch those dollars:
- Compare rates: Drivers should always compare ratesevery six monthsto ensure they stay on top of deals. You can either shop with an insurance agent/insurance agency, or an insurance broker, like Jerry.
- Ask aboutdiscounts: You could save money on car insurance for being a good driver, having excellent grades, or paying your premium in full.
- Consider raising your deductible: Drivers with a full coverage policy can raise their deductible limits to save—but make sure to only raise it to a price you can realistically afford.
- Bundle policies: If you’re a homeowner, you can save by bundling your home insurance/homeowners insurance and auto insurance for an overall discount. These discounts also apply to renters insurance.
FAQ
How much is car insurance in Oak Hill?
People living in Oak Hill pay on average $61 per month – or $730 per year – on state-minimum liability coverage. Full coverage in Oak Hill costs on average $141 per month or $1,693 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the minimum car insurance in Oak Hill, West Virginia?
The state-minimum car insurance in Oak Hill, West Virginia is as follows:
- $20,000 bodily injury liability per person
- $40,000 bodily injury liability per accident
- $15,000 property damage liability per accident
These coverages are commonly referred to as 20/40/15 coverage.
What is the cheapest car insurance in Oak Hill?
Based on thousands of Oak Hill drivers Jerry has worked with, car insurance in Oak Hill costs an average of $61 per month for state-minimum coverage and $141 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in Oak Hill?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica, Farmers, and The General receive good ratings from Oak Hill drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.
How much is average car insurance in WV?
The average driver will pay somewhere between $59 and $134 for car insurance in WV. It depends on their unique driver profile and which type of coverage they choose.
What is the minimum car insurance in WV?
All drivers in WV must carry 25/50/25 in liability coverage. That’s $25,000 per person in bodily injury, $50,000 per accident in bodily injury, and $25,000 in property damage per accident. Uninsured motorist coverage is also mandatory.
What is the penalty for driving without insurance in West Virginia?
In West Virginia, if you’re caught driving without insurance, you’ll face fines, license suspension, registration, and higher insurance rates at renewal. The fee may range from $200 to several thousand, depending on whether it’s your first offense—not to mention the reinstatement fee.
Does WV accept digital insurance cards?
In all 50 states, drivers are permitted to show proof of insurance on a device rather than presenting a paper document. Jerry’s app allows you to store digital proof of insurance (or ID card) on your smartphone, or your insurance provider may offer an app that does the same thing.
Is West Virginia a no-fault state?
Virginia is an at-fault state. This means that the person who caused the accident is responsible for all the damages and injuries they cause.
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
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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.