West Virginia Home Insurance Cost
The average home insurance premium in West Virginia is $1,016. That is lower (28%) below the national average of $1,411.
Average homeowners insurance premium (HO-3 policy) in West Virginia, NAIC data. That works out to roughly $85 a month.
How West Virginia compares
| Measure | Value |
|---|---|
| Average annual premium | $1,016 |
| National average | $1,411 |
| Difference | −$395 (28%) |
| State rank (1 = most expensive) | #39 of 51 |
| Average renters premium | $170 |
Why West Virginia's number is what it is
State premiums are driven by things no individual homeowner controls: reconstruction costs in the state's metro areas, the frequency of weather claims, the cost of litigation after a loss, and how much the state has historically allowed insurers to charge. Insurers file rates at the state level and adjust them on a cycle, so a statewide rate increase shows up on your renewal regardless of whether anything about your property changed.
West Virginia is not among the ten most or ten least expensive states for auto insurance in the published NAIC data, which means it sits in the middle of the national distribution. See the state comparison for the full ranked list of the extremes.
Renters in West Virginia pay an average of $170 a year — lower than the national renters average of $170. Renters insurance is priced far lower than homeowners because it covers personal property rather than the structure.
What you can actually do about it
Related
How to lower your premium — the full checklist
Why insurance premiums rise at all
Auto insurance cost by state
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