How Much Does Insurance Cost for 4×4 Vehicles in West Virginia?

Since we’re writing about auto insurance, the words “cheap” or “affordable” really should not be used anywhere in the article as a descriptor for auto insurance rates. Please forgive the oxymoron, but cheap auto insurance for 4×4 vehicles is not always easy to find. But fear not, because we are going to show you how you can quote and buy insurance that is more affordable than your current policy.

When shopping for insurance for off-road vehicles, one of the many components that help determine auto insurance rates is where your car is garaged in West Virginia. Cities with larger populations or higher claims like Bluefield, Elkins, and Cross Lanes tend to have higher rates, whereas areas that are not as densely populated have the benefit of cheaper auto insurance prices.

The table below sorts the most expensive areas in West Virginia for 4×4 vehicles in which to purchase auto insurance.

Premium costs are estimated as the specific West Virginia residence address can alter premium rates significantly.

Determining which companies quote the cheapest car insurance rates for 4×4 vehicles calls for a bit more effort in order to find a policy that fits your budget. Each company has their own formula to establish rates, so let’s take a look at the car insurance companies with the most affordable rates in West Virginia.

It’s a good idea to be aware that West Virginia car insurance rates are determined by lots of factors that can increase the price you pay for coverage. Getting older, adding a teenager to your policy, or getting into an accident can trigger rate changes resulting in some companies being cheaper than competitors.

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Erie may offer some of the cheapest car insurance rates in West Virginia at around $904 per year. The Hartford, State Auto, USAA, and Westfield are also some of the most economical West Virginia insurance companies.

As the rates illustrate above, if you buy coverage from USAA and switched to The Hartford, you may see annual savings of upwards of $245. Insureds with Westfield might save as much as $246 a year, and Progressive insureds might lower prices by $495 a year.

These prices are averaged for all drivers and vehicles in West Virginia and do not factor in a price discount for 4×4 vehicles. So the company that is most affordable for your situation may not even be in the list above. That is why you need to quote rates from many companies using your own driver data and vehicle information.

Which major car insurance company is best?

When shopping around for auto insurance for off-road vehicles, the top insurers to get price quotes from are Geico, State Farm, Allstate, and Progressive. The following table rates price and claims rank as well as some different options that policyholders can buy.