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How much is car insurance in Martinsburg?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $8 a month cheaper to insure your vehicle in Martinsburg than it is in the rest of West Virginia.
Similarly, the expected monthly payments for an auto insurance policy in Martinsburg are below the national average. It's about $5 cheaper than the national average to insure your vehicle in Martinsburg.
Although these are the average rates for auto insurance in Martinsburg, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Martinsburg and broken down the different factors to help you understand what your policy's monthly premium will be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $62 more than drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may begin to go back up in Martinsburg.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. While this isn't true in Martinsburg, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Martinsburg with a single accident on their record will usually see rates around $69 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $38 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$67|
|15 Years or Older||$79|
The most affordable vehicles to insure in Martinsburg are usually SUVs, which run about $68 per month.
Truck and van drivers will see rates of about $72 for insurance coverage, while car owners by and large pay around $79 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Martinsburg are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$78|
Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Martinsburg reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $23 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$105|
Your living situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $20 a month more than homeowners in Martinsburg. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Martinsburg, WV
Recent trends in car insurance for Martinsburg drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
The cost of car insurance in Martinsburg dropped from 2016-2017, before leveling out in 2018. Policy premiums finished down in 2021, at $59 per month
How does Martinsburg compare to neighboring areas?
Why are car insurance rates in Martinsburg different from other areas?
Car insurance companies take in a lot of factors when deciding how much individual insurance policies will cost. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Regional crime rates
- General road safety (how many accidents each locality has)
- Amount of off-street parking
- Community regulations
- Amount of drivers in the community
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Martinsburg?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Martinsburg.
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Martinsburg Insurance FAQs
What factors affect car insurance quotes in Martinsburg?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Martinsburg different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Martinsburg?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Martinsburg?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Martinsburg or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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