Best and Cheapest Home Insurance Rates in West Virginia (2026)
State Farm is the best and cheapest home insurance company for most people in WV, with an average rate of $1,178 per year for a policy with $350,000 in dwelling coverage. | ||
On average, home insurance in West Virginia costs $1,917/yr, which is 20% cheaper than the national average of $2,395/yr. | ||
Home insurance in Charleston costs an average of $1,863/yr for $350,000 in dwelling coverage. However, homeowners in the southwest portion of WV pay the highest average rates. |
State Farm is the best and cheapest home insurance company for most people in WV, with an average rate of $1,178 per year for a policy with $350,000 in dwelling coverage. | ||
Home insurance in WV costs $1,917/yr, on average. Rates are highest in the southwest portion of the state. |
Find Cheap Home Insurance Quotes in West Virginia
Who sells the best cheap home insurance in West Virginia?
What company sells the cheapest home insurance in West Virginia?
State Farm has the cheapest home insurance rates in West Virginia for most people.
Find Cheap Home Insurance Quotes in West Virginia
- State Farm's average rate for a home with $350,000 in dwelling coverage is $1,178 per year. That's 39% cheaper than the state average.
- State Farm also has cheap rates for homes that need $200,000, $500,000 or $1 million in dwelling coverage.
- USAA is also a cheap choice at an average of $1,239 per year for $350,000 in dwelling coverage. However, you can only get USAA if you're a military member, veteran or qualifying family member.
Best cheap home insurance in West Virginia by dwelling amount
$200,000
$350,000
$500,000
$1 million
Company | Annual rate | ||
|---|---|---|---|
| State Farm | 3.5 out of 5 | $871 | |
| Allstate | 4.0 out of 5 | $1,172 | |
| Westfield | 2.8 out of 5 | $1,499 | |
| Nationwide | 2.5 out of 5 | $1,538 | |
| Erie | 2.5 out of 5 | $1,622 | |
| Progressive | 2.0 out of 5 | $1,931 | |
| USAA | 4.5 out of 5 | $897 | |
Stars in this table represent ratings specific to home insurance. USAA is only available to military members, veterans and some of their family members.
Key takeaways
- Home insurance rates in West Virginia have gone up by 21.4% since 2021. That's a lower increase compared to the national average, which is 47.9%.
- Liberty Mutual raised rates the most. A policy in 2025 costs 38.3% more than it did in 2021.
- Farmers & Mechanics, Municipal Mutual, Chubb and Travelers did not raise rates at all between 2021 and 2025.
- If you live in southern West Virginia's coalfields or the north-central and Northern Panhandle coal-mining regions, consider buying mine subsidence coverage. If your house is damaged by an underground mine collapse, you need this optional add-on to have coverage.
Best home insurance in West Virginia for most people: State Farm
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Annual cost$1,178Average rate for a $350,000 home
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Monthly cost$98Average rate for a $350,000 home
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Customer complaints Average
State Farm has cheap rates for both home and auto insurance in West Virginia, plus local agents to help guide you.
How much is State Farm insurance in West Virginia?
Dwelling coverage limit | Annual rate | % from state avg. |
|---|---|---|
| $200,000 | $871 | 36% cheaper |
| $350,000 | $1,178 | 39% cheaper |
| $500,000 | $1,428 | 42% cheaper |
| $1 million | $2,095 | 52% cheaper |
On top of its cheap average home insurance rates, State Farm also has cheap car insurance rates in West Virginia, which makes it an excellent choice for bundling home insurance with car insurance. In addition to the cheap rates, you could save an average of about 27% on your home insurance and about 18% on your car insurance by bundling with State Farm.
State Farm also has local agents in almost 100 cities in West Virginia. That means there's probably an agent close to you. Choosing a company that has local agents can help you feel confident in your home insurance, because you have a local expert guiding you.
Best home insurance in West Virginia for flood coverage: Westfield
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Annual cost$1,987Average rate for a $350,000 home
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Monthly cost$166Average rate for a $350,000 home
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Customer complaints Low
Best home insurance in West Virginia for military members: USAA
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Annual cost$1,239Average rate for a $350,000 home
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Monthly cost$103Average rate for a $350,000 home
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Customer complaints Low
What are the best home insurance companies in West Virginia?
Both companies have good customer service and cheap rates. USAA in particular is known for its good service, but it's only an option if you're affiliated with the military.
Company |
Rating
|
Complaints
|
|---|---|---|
| USAA | 4.5 out of 5 | Low |
| Allstate | 4.0 out of 5 | Average |
| State Farm | 3.5 out of 5 | Average |
| Westfield | 2.8 out of 5 | Low |
| Erie | 2.5 out of 5 | Low |
| Nationwide | 2.5 out of 5 | High |
| Progressive | 2.0 out of 5 | Average |
Stars in this table represent ratings specific to home insurance.
What's the average homeowners insurance cost in West Virginia?
West Virginia home insurance costs an average of $1,917 per year for a policy with $350,000 in dwelling coverage.
That's 20% cheaper than the national average of $2,395 per year. That's likely because West Virginia is a less-risky state when it comes to weather damage.
Average cost of home insurance in WV
Dwelling coverage | Average rate |
|---|---|
| $200,000 | $1,361 |
| $350,000 | $1,917 |
| $500,000 | $2,471 |
| $1,000,000 | $4,371 |
West Virginia's home insurance rates tend to be cheaper than the rates in surrounding states. In Ohio, home insurance costs $2,015 per year, on average. In Maryland, the average rate is $2,124 per year. And in Kentucky, the same $350,000 in dwelling coverage costs $3,158 per year, which is 65% more expensive than a policy in West Virginia.
The only exception is Pennsylvania, where a policy with $350,000 in dwelling coverage costs $1,712 per year. That's 11% cheaper than home insurance in West Virginia.
West Virginia home insurance rates by city
Home insurance in Charleston, the biggest city in West Virginia and the state's capital, costs $1,863 per year, on average.
Breedon, a small town in the western part of the state, has the most expensive rates in the state at an average of $2,656 per year. Osage, a small community to the northwest of Morgantown, has the cheapest home insurance in West Virginia at $1,606 per year, on average.
Find Cheap Home Insurance Quotes in West Virginia
Cost of West Virginia home insurance by city
City | Average rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Accoville | $2,370 | State Farm | $1,168 |
| Adrian | $1,831 | State Farm | $1,168 |
| Advent | $2,053 | State Farm | $1,168 |
| Albright | $1,858 | State Farm | $1,151 |
| Alderson | $1,737 | State Farm | $1,082 |
| Alkol | $2,159 | State Farm | $1,238 |
| Allen Junction | $2,162 | State Farm | $1,168 |
| Alloy | $2,039 | State Farm | $1,168 |
| Alma | $1,921 | State Farm | $1,157 |
| Alum Bridge | $1,795 | State Farm | $1,204 |
| Alum Creek | $1,970 | State Farm | $1,189 |
| Amherstdale | $2,359 | State Farm | $1,429 |
| Amigo | $2,229 | State Farm | $1,168 |
| Amma | $2,180 | State Farm | $1,168 |
| Anawalt | $2,428 | State Farm | $1,360 |
| Anmoore | $1,749 | State Farm | $1,168 |
| Annamoriah | $2,022 | State Farm | $1,168 |
| Ansted | $1,956 | State Farm | $1,208 |
| Apple Grove | $2,285 | State Farm | $1,286 |
| Arbovale | $1,794 | State Farm | $1,051 |
| Arnett | $2,129 | State Farm | $1,168 |
| Arnoldsburg | $2,117 | State Farm | $1,168 |
| Arthurdale | $1,789 | State Farm | $1,168 |
| Artie | $2,033 | State Farm | $1,168 |
| Asbury | $1,755 | State Farm | $1,194 |
| Ashford | $2,065 | State Farm | $1,263 |
| Ashton | $2,346 | State Farm | $1,289 |
| Athens | $2,093 | State Farm | $1,311 |
| Auburn | $1,958 | State Farm | $1,168 |
| Augusta | $1,914 | State Farm | $1,122 |
| Aurora | $1,932 | State Farm | $1,104 |
| Avondale | $2,456 | State Farm | $1,459 |
| Baisden | $2,423 | State Farm | $1,467 |
| Baker | $1,868 | State Farm | $1,134 |
| Bakerton | $1,756 | State Farm | $1,168 |
| Ballard | $1,846 | State Farm | $1,168 |
| Ballengee | $1,948 | State Farm | $1,168 |
| Bancroft | $1,934 | State Farm | $1,200 |
| Bandytown | $2,115 | State Farm | $1,168 |
| Barboursville | $2,002 | State Farm | $1,304 |
| Barrackville | $1,718 | State Farm | $1,037 |
| Bartley | $2,451 | State Farm | $1,395 |
| Bartow | $1,827 | State Farm | $1,168 |
| Baxter | $1,789 | State Farm | $1,168 |
| Bayard | $1,851 | State Farm | $1,166 |
| Beaver | $1,913 | State Farm | $1,263 |
| Beckley | $1,859 | State Farm | $1,137 |
| Beech Bottom | $1,855 | State Farm | $1,168 |
| Beeson | $2,140 | State Farm | $1,168 |
| Belington | $1,857 | State Farm | $1,049 |
| Belle | $1,861 | State Farm | $1,177 |
| Belleville | $1,956 | State Farm | $1,137 |
Rates are for a policy with $350,000 of dwelling coverage.
What homeowners insurance do you need in West Virginia?
Flooding, earth movement related to coal mining and landslides are some of the bigger concerns for homeowners in West Virginia. You should look for coverage that protects your home from events like these.
Does home insurance in West Virginia cover flood damage?
A basic home insurance policy will not cover flood damage, so you'll have to buy a separate flood insurance policy.
You can buy flood insurance through either the National Flood Insurance Program (NFIP) or through private companies. And sometimes, you can even add flood insurance to your home insurance policy with an add-on, such as the inland flood coverage from Westfield.
According to the National Oceanic and Atmospheric Administration (NOAA) West Virginia recorded $10,108,550 in flood damage in 2025. Even if you don't live in an area that typically floods, consider buying a flood insurance policy. Floods can happen anywhere, and without proper insurance, you have to pay for your repairs yourself.
Does West Virginia homeowners insurance cover damage from earth movement?
Standard home insurance policies won't cover damage from shifts in the ground caused by heavy mining.
This type of damage is called "mine subsidence," and you have to buy an add-on for your insurance to give you coverage. If you live near coal mines, especially abandoned ones, make sure the home insurance company you pick offers mine subsidence coverage.
Mine subsidence is unfortunately a known problem in West Virginia.The state's Mine Database System has records for more than 91,000 mines. Mine subsidence is a particularly bad issue if you live in southern or north-central West Virginia, because of the history of coal mining in those areas.
Does West Virginia homeowners insurance cover damage from landslides?
Your regular home insurance won't cover damage from landslides, which are a notable risk in West Virginia.
If you want protection for your home, you will usually need a Difference in Conditions (DIC) policy, which fills in a range of gaps in standard coverage. Landslides are not covered by flood or earthquake coverage.
No matter where you live in West Virginia, landslides are a risk, according to the United States Geological Survey (USGS). The state's steep terrain, risk of flooding and history of mining contribute to the likelihood of landslides.
How to save money home insurance in West Virginia
To find the cheapest and best home insurance for you, start by deciding what kind of coverage you need. Then, compare quotes and customer service ratings from multiple companies.
Most home insurance policies come with the same basic coverages that protect the structure of your house and your belongings, as well as your risk of being sued if someone gets hurt. But you might want to add special add-ons to get more coverage. You could add identity theft coverage, for example, to pay for the cost of restoring your identity after it's stolen, or water backup coverage, to pay for the damage caused by water and drain backups. | |
Home insurance rates in West Virginia can vary by more than $1,000 per year, depending on the company you pick. Comparing rates lets you find the cheapest company for your needs. But you should also compare coverage options and discounts, to make sure you get the right policy for your situation. | |
Choosing a company with good service means you're less likely to have issue if your home is damaged and you have to file a claim. A company with good customer service will often be easy to contact with helpful employees. Start with our ValuePenguin ratings. Our experts weigh customer service ratings from multiple sources and review rates, discounts and coverages. You can also look at ratings from J.D. Power's customer service and claims satisfaction studies and complaint data from the National Association of Insurance Commissioners (NAIC) website. |
Are home insurance rates in West Virginia going up?
Home insurance prices are up 21.4% in West Virginia over the last five years.
The biggest jump was in 2024, when rates went up by 10.5%. But in 2025, rates only went up by less than 1%.
West Virginia home insurance rate changes, 2021 to 2025
Year | Avg. rate increase |
|---|---|
| 2021 | 0.46% |
| 2022 | 2.10% |
| 2023 | 5.12% |
| 2024 | 10.50% |
| 2025 | 0.87% |
Home insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
Liberty Mutual increased rates the most between 2021 and 2025. A policy from Liberty Mutual costs 38.3% more now than it did in 2021.
However, not all companies raised rates. Chubb, Farmers & Mechanics, Municipal Mutual and Travelers didn't record any rate increases in the last five years.
Frequently asked questions
What is the average cost of homeowners insurance in West Virginia?
The average cost of homeowners insurance in West Virginia is $1,917 per year for $350,000 of dwelling coverage. That's 20% less the national average of $2,395 per year.
Is home insurance required in West Virginia?
West Virginia doesn't legally require you to have home insurance. However, mortgage lenders usually require you to get a policy. Even if you own your home in full, home insurance is a good idea unless you have the money to pay for any repairs on your own.
Which is the cheapest homeowners insurance in WV?
State Farm has the cheapest home insurance in West Virginia for most people. It has an average rate of $1,178 per year for $350,000 in dwelling coverage. If you need more or less coverage, State Farm is still likely a cheap option.
Methodology
To find the best homeowners insurance in West Virginia, ValuePenguin got quotes from seven of the top companies in 762 residential ZIP codes in the state. All rates are for a 45-year-old married man who doesn't have any home insurance claims on his record. The home used in the quotes is 48 years old and has 1,752 square feet, which is representative of the average home in West Virginia.
The quotes are for policies with the following coverage limits:
- Dwelling coverage: $200,000, $350,000, $500,000 or $1 million
- Personal liability: $100,000
- Medical payments: $1,000
- Deductible: $1,000
ValuePenguin gets insurance rate data from Quadrant Information Services. The data was originally sourced from public insurance company filings. The rates on this page should only be used for comparison purposes. Your own quotes may be different.
Home insurance star ratings use average rates, coverages, discounts and customer service information from the National Association of Insurance Commissioners (NAIC) complaint data, as well as the J.D. Power surveys.
Sources:
- The National Oceanic and Atmospheric Administration (NOAA)
- The West Virginia Geological & Economic Survey
- The West Virginia Mine Information Database System (MIDS)
- The West Virginia Risk Explorer
About the Author
Senior Writer
Cate Deventer is a Senior Writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
- NBC
- Wall Street Journal
Education
- BA, Theatre, Purdue University
- BA, English, Indiana University
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
