Berkeley Springs, WV Auto Insurance (2024)
The average Berkeley Springs, WV auto insurance rates are $301 per month. The minimum auto insurance in Berkeley Springs is at least 25/50/25 in coverage to comply with West Virginia auto insurance laws. To find the best cheap auto insurance in Berkeley Springs, West Virginia, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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.
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Berkeley Springs for teen drivers is Liberty Mutual
- The minimum auto insurance required in Berkeley Springs, West Virginia is 25/50/25
- Average auto insurance rates in Berkeley Springs, WV for senior drivers are $2,017 per year
Berkeley Springs, West Virginia auto insurance requirements are 25/50/25 according to West Virginia auto insurance laws. Finding cheap auto insurance in Berkeley Springs can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Berkeley Springs, West Virginia, including driving record, credit, commute time, and more.
Compare auto insurance in Berkeley Springs to other West Virginia cities, including Martinsburg auto insurance rates, Parkersburg auto insurance rates, and Wheeling auto insurance rates to see how Berkeley Springs, West Virginia auto insurance rates stack up.
Before you buy Berkeley Springs, West Virginia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Berkeley Springs, West Virginia auto insurance quotes.
Minimum Auto Insurance in Berkeley Springs, West Virginia
Berkeley Springs, West Virginia auto insurance laws require that you have at least the West Virginia minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Berkeley Springs, 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 |
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Cheap Berkeley Springs, West Virginia Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Berkeley Springs, West Virginia are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $2,577 | $2,399 | $2,300 | $2,307 | $9,106 | $9,508 | $2,860 | $2,870 |
| 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 | $2,035 | $1,962 | $1,876 | $1,876 | $8,670 | $9,759 | $2,440 | $2,522 |
| State Farm | $1,516 | $1,516 | $1,350 | $1,350 | $3,236 | $4,177 | $1,786 | $1,423 |
| USAA | $1,692 | $1,669 | $1,568 | $1,583 | $5,563 | $6,169 | $2,187 | $2,353 |
Cheap Berkeley Springs, West Virginia Auto Insurance for Teen Drivers
Finding auto insurance for teens at a cheap rate in Berkeley Springs, West Virginia is a challenge. Take a look at the annual teen auto insurance rates in Berkeley Springs, West Virginia.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,106 | $9,508 |
| Geico | $5,574 | $6,721 |
| Liberty Mutual | $13,705 | $15,460 |
| Nationwide | $4,520 | $5,700 |
| Progressive | $8,670 | $9,759 |
| State Farm | $3,236 | $4,177 |
| USAA | $5,563 | $6,169 |
Cheap Berkeley Springs, West Virginia Auto Insurance for Seniors
What are senior auto insurance rates in Berkeley Springs, West Virginia? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,300 | $2,307 |
| Geico | $2,164 | $2,098 |
| Liberty Mutual | $2,899 | $3,527 |
| Nationwide | $1,635 | $1,711 |
| Progressive | $1,876 | $1,876 |
| State Farm | $1,350 | $1,350 |
| USAA | $1,568 | $1,583 |
Cheap Berkeley Springs, West Virginia Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Berkeley Springs, West Virginia compared to the annual auto insurance rates with a clean record in Berkeley Springs, West Virginia.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,594 | $4,247 | $5,052 | $4,071 |
| 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 | $3,312 | $4,417 | $3,956 | $3,885 |
| State Farm | $1,890 | $2,198 | $2,044 | $2,044 |
| USAA | $2,241 | $2,645 | $3,777 | $2,729 |
Cheap Berkeley Springs, West Virginia Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Berkeley Springs, West Virginia is not easy. Compare the annual rates for DUI auto insurance in Berkeley Springs, West Virginia to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,052 |
| Geico | $5,493 |
| Liberty Mutual | $7,295 |
| Nationwide | $3,298 |
| Progressive | $3,956 |
| State Farm | $2,044 |
| USAA | $3,777 |
Cheap Berkeley Springs, West Virginia Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Berkeley Springs, West Virginia annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,135 | $4,088 | $3,500 |
| Geico | $3,849 | $3,130 | $2,597 |
| Liberty Mutual | $9,107 | $5,597 | $4,398 |
| Nationwide | $3,034 | $2,565 | $2,398 |
| Progressive | $4,364 | $3,792 | $3,521 |
| State Farm | $2,933 | $1,791 | $1,409 |
| USAA | $4,207 | $2,411 | $1,926 |
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Cheap Berkeley Springs, West Virginia Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Berkeley Springs, West Virginia can vary. Compare the annual cost of auto insurance by ZIP code in Berkeley Springs, West Virginia to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 25411 | $3,574 |
Cheap Berkeley Springs, West Virginia Auto Insurance Rates By Commute
Commute length and annual mileage affect Berkeley Springs, West Virginia auto insurance. Find the cheapest annual Berkeley Springs, West Virginia auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,241 | $4,241 |
| Geico | $3,157 | $3,226 |
| Liberty Mutual | $6,367 | $6,367 |
| Nationwide | $2,666 | $2,666 |
| Progressive | $3,892 | $3,892 |
| State Farm | $1,992 | $2,097 |
| USAA | $2,815 | $2,881 |
Cheap Berkeley Springs, West Virginia Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Berkeley Springs, West Virginia? Check out the comparison of annual Berkeley Springs, West Virginia auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,114 | $4,235 | $4,374 |
| Geico | $3,005 | $3,199 | $3,372 |
| Liberty Mutual | $6,053 | $6,352 | $6,696 |
| Nationwide | $2,616 | $2,651 | $2,730 |
| Progressive | $3,747 | $3,854 | $4,076 |
| State Farm | $1,937 | $2,037 | $2,159 |
| USAA | $2,753 | $2,843 | $2,948 |
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Best By Category: Cheapest Auto Insurance in Berkeley Springs, West Virginia
Compare the cheapest auto insurance companies in Berkeley Springs, West Virginia in each category to find the company with the best rates for your personal needs.
| 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 |
The Cheapest Berkeley Springs, West Virginia Auto Insurance Companies
What auto insurance companies in Berkeley Springs, West Virginia are the cheapest? Compare the top Berkeley Springs, West Virginia auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,241 |
| Geico | $3,192 |
| Liberty Mutual | $6,367 |
| Nationwide | $2,666 |
| Progressive | $3,892 |
| State Farm | $2,044 |
| USAA | $2,848 |
What affects auto insurance rates in Berkeley Springs, West Virginia?
There are a lot of reasons why auto insurance rates in Berkeley Springs, West Virginia are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Berkeley Springs, West Virginia. Many local factors may affect your Berkeley Springs auto insurance rates.
Berkeley Springs Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Berkeley Springs, West Virginia commute length is 26.9 minutes according to City-Data.
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Compare Berkeley Springs, West Virginia Auto Insurance Quotes
Before you buy Berkeley Springs, West Virginia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Berkeley Springs, West Virginia auto insurance quotes.
Frequently Asked Questions
What other types of auto insurance coverage are available?
In addition to liability insurance, you can choose from various types of auto insurance coverage, such as:
- Collision coverage: Helps pay for repairs or replacement of your vehicle in case of an accident.
- Comprehensive coverage: Protects against non-collision incidents, such as theft, vandalism, or natural disasters.
- Medical payments coverage: Covers medical expenses for you and your passengers, regardless of fault.
- Uninsured/underinsured motorist coverage: Provides protection if you’re involved in an accident with a driver who has insufficient or no insurance.
What are the minimum auto insurance requirements in Berkeley Springs, West Virginia?
The minimum auto insurance coverage required in Berkeley Springs, WV is 25/50/25, as per West Virginia auto insurance laws.
How does age, gender, and marital status impact auto insurance rates in Berkeley Springs, West Virginia?
Auto insurance rates in Berkeley Springs, WV are influenced by factors such as age, gender, and marital status. Different demographics may affect the annual cost of insurance.
What are the average auto insurance rates for teen drivers in Berkeley Springs, West Virginia?
Finding affordable auto insurance for teen drivers in Berkeley Springs, WV can be challenging. The annual rates for teen drivers are typically higher compared to other age groups.
How do driving records affect auto insurance rates in Berkeley Springs, West Virginia?
Driving records play a significant role in determining auto insurance rates. Having a clean record generally results in lower rates, while a bad record can lead to higher premiums.
What impact does credit history have on auto insurance rates in Berkeley Springs, West Virginia?
Credit history can have a significant effect on the cost of auto insurance. Berkeley Springs, WV auto insurance rates vary based on credit history, with better credit generally leading to lower rates.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.