- Morgantown car insurance cost averages $2,308 per year, or approximately $192 per month, for a full-coverage policy.
- For cheap car insurance in Morgantown, West Virginia, compact crossovers like the Mazda CX-5, Hyundai Venue, and Subaru Crosstrek rank well for overall auto insurance cost.
- Vehicles with segment-leading car insurance rates include the Mercedes-Benz CLA250 ($2,374 per year), Acura RDX ($1,932 per year), Acura Integra ($2,054 per year), and Nissan Titan ($2,160 per year).
What is average car insurance cost in Morgantown?
The average car insurance expense in Morgantown is $2,308 per year, which is around $192 per month. Morgantown car insurance costs 1.4% more than the U.S. average rate of $2,276.
In the state of West Virginia, the average cost to insure a vehicle is $2,328 per year, so the cost in Morgantown averages $20 less per year. When prices are compared to other locations in West Virginia, the average cost to insure a vehicle in Morgantown is about $16 per year less than in Wheeling, $62 per year cheaper than in Charleston, and $48 per year cheaper than in Parkersburg.
The age of the driver is one of the biggest factors in determining the price you pay for auto insurance, so the list below illustrates this by breaking down average car insurance rates depending on driver age.
Morgantown, West Virginia, car insurance cost for drivers age 16 to 60
- 16-year-old rated driver – $8,224 per year or $685 per month
- 17-year-old rated driver – $7,968 per year or $664 per month
- 18-year-old rated driver – $7,140 per year or $595 per month
- 19-year-old rated driver – $6,503 per year or $542 per month
- 20-year-old rated driver – $4,644 per year or $387 per month
- 30-year-old rated driver – $2,464 per year or $205 per month
- 40-year-old rated driver – $2,308 per year or $192 per month
- 50-year-old rated driver – $2,046 per year or $171 per month
- 60-year-old rated driver – $1,916 per year or $160 per month
The next chart shows additional information for drivers age 20 to 60 by including rates for three different policy deductibles. Displaying these different rates can help visualize how auto insurance rates increase with lower deductibles, and decreases when a higher deductible limit is purchased.
In the chart above, the cost of car insurance in Morgantown ranges from $1,620 per year for a 60-year-old driver with a policy with high physical damage deductibles to $5,402 per year for a 20-year-old driver with a low deductible. From a monthly standpoint, the average cost in the previous chart ranges from $135 to $450 per month.
The vehicles that sell well in Morgantown tend to be small or midsize cars like the Volkswagen Jetta and Nissan Altima and compact or midsize SUVs like the Nissan Rogue, Honda CR-V, and Chevy Traverse.
Additional popular models from other vehicle segments include luxury SUVs like the Lexus RX 350, Acura MDX, and Infiniti QX60, luxury cars like the Acura ILX, Lexus ES 350, and Infiniti Q50, and pickup trucks like the Ford Ranger, Ford F-150, and Ram 1500.
We will get into auto insurance rates for many more models in a bit, but before we do that, let’s revisit the comparisons and concepts that were covered so far.
- Average car insurance cost per month ranges from $160 to $685 – That is the average car insurance cost range for drivers age 16 to 60 in Morgantown, West Virginia.
- Car insurance rates drop substantially from age 20 to 30 – The average 30-year-old Morgantown, WV, driver will pay $2,180 less per year than a 20-year-old driver, $2,464 compared to $4,644.
- Insuring teen drivers can be very expensive – Rates can range from $5,499 to $8,224 per year for car insurance for teens in Morgantown, WV.
- Morgantown, WV, car insurance cost is more than the U.S. average – $2,308 (Morgantown average) compared to $2,276 (U.S. average)
- Morgantown car insurance prices are cheaper than the West Virginia state average – $2,308 (Morgantown average) compared to $2,328 (West Virginia average)
- Car insurance is cheaper the older you are – Average auto insurance rates for a 50-year-old driver in Morgantown are $2,598 per year cheaper than for a 20-year-old driver.
Which autos have cheap car insurance in Morgantown?
The vehicles with the cheapest average insurance quotes in Morgantown, WV, tend to be small SUVs and crossovers like the Subaru Crosstrek, Chevrolet Trailblazer, Buick Envision, and Toyota Corolla Cross.
Average car insurance rates for those compact SUVs cost $1,876 or less per year, or $156 per month, for full coverage car insurance.
Other models that have low-cost insurance prices in the comparison table below are the Nissan Murano, Subaru Outback, Volkswagen Taos, and Kia Niro.
Insurance is marginally higher for those models than the cheapest small SUVs at the top of the rankings, but they still have average rates of $167 or less per month.
The next table breaks down the 50 models with the cheapest car insurance in Morgantown, ordered starting with the cheapest.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,706 | $142 |
| 2 | Chevrolet Trailblazer | $1,736 | $145 |
| 3 | Kia Soul | $1,802 | $150 |
| 4 | Nissan Kicks | $1,820 | $152 |
| 5 | Honda Passport | $1,842 | $154 |
| 6 | Buick Envision | $1,852 | $154 |
| 7 | Toyota Corolla Cross | $1,858 | $155 |
| 8 | Hyundai Venue | $1,876 | $156 |
| 9 | Mazda CX-5 | $1,884 | $157 |
| 10 | Ford Bronco Sport | $1,892 | $158 |
| 11 | Volkswagen Tiguan | $1,912 | $159 |
| 12 | Acura RDX | $1,932 | $161 |
| 13 | Nissan Murano | $1,940 | $162 |
| 14 | Buick Encore | $1,960 | $163 |
| 15 | Subaru Outback | $1,968 | $164 |
| 16 | Honda CR-V | $1,970 | $164 |
| 17 | Buick Envista | $1,972 | $164 |
| 18 | Volkswagen Taos | $1,976 | $165 |
| 19 | Kia Niro | $1,988 | $166 |
| 20 | Honda HR-V | $2,008 | $167 |
| 21 | Toyota GR Corolla | $2,008 | $167 |
| 22 | Subaru Ascent | $2,012 | $168 |
| 23 | Nissan Leaf | $2,022 | $169 |
| 24 | Chevrolet Colorado | $2,034 | $170 |
| 25 | Lexus NX 250 | $2,044 | $170 |
| 26 | Honda Civic | $2,046 | $171 |
| 27 | Volkswagen Atlas | $2,050 | $171 |
| 28 | Acura Integra | $2,054 | $171 |
| 29 | Subaru Forester | $2,054 | $171 |
| 30 | Volkswagen Atlas Cross Sport | $2,058 | $172 |
| 31 | Kia Seltos | $2,062 | $172 |
| 32 | GMC Terrain | $2,066 | $172 |
| 33 | Nissan Rogue | $2,074 | $173 |
| 34 | Hyundai Kona | $2,078 | $173 |
| 35 | Mazda CX-30 | $2,082 | $174 |
| 36 | Cadillac XT4 | $2,084 | $174 |
| 37 | Ford Explorer | $2,094 | $175 |
| 38 | Volkswagen ID4 | $2,094 | $175 |
| 39 | Toyota Highlander | $2,102 | $175 |
| 40 | Ford Escape | $2,106 | $176 |
| 41 | Toyota Venza | $2,108 | $176 |
| 42 | Honda Odyssey | $2,110 | $176 |
| 43 | Nissan Sentra | $2,116 | $176 |
| 44 | Subaru Impreza | $2,120 | $177 |
| 45 | Chevrolet Equinox | $2,126 | $177 |
| 46 | Toyota RAV4 | $2,130 | $178 |
| 47 | Mazda MX-5 Miata | $2,136 | $178 |
| 48 | Mazda MX-30 | $2,142 | $179 |
| 49 | Hyundai Tucson | $2,146 | $179 |
| 50 | Chevrolet Traverse | $2,154 | $180 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Morgantown, WV Zip Codes. Updated October 24, 2025
A table of 50 vehicle rankings is great if you’re just looking for low rates. A more efficient way to look at rates in a coherent manner is to break them out by the segment they belong to.
The section below talks about the average cost of car insurance for each different vehicle segment. The rates shown in the chart should give a decent idea of which vehicles have the least expensive average auto insurance rates. After the chart, the next sections display the 20 vehicles with the cheapest insurance rates in each unique segment.
Average rates by vehicle segment
If you’re considering buying a new car, it’s important to have a basic understanding of which types of vehicles are cheaper to insure. To illustrate this, you may be curious if midsize SUVs have more affordable insurance than full-size SUVs or if sports cars are cheaper to insure than luxury cars.
The chart below shows average car insurance cost by vehicle segment in Morgantown. When looking at rates from a segment perspective, compact and midsize SUVs, vans, and midsize pickups have the best average auto insurance rates, while sports cars, large luxury cars, and performance exotic cars have the highest car insurance rates.
Rates by different vehicle segments are suitable for general comparisons, but cost ranges quite a lot within each vehicle category listed in the previous chart.
For example, in the small car segment, rates range from the Toyota GR Corolla at $2,008 per year up to the Toyota Mirai costing $2,872 per year.
For another example, in the sports car segment, insurance rates range from the Mazda MX-5 Miata at $2,136 per year to the Mercedes-Benz SL 63 at $4,744 per year.
In the sections going forward, we eliminate this variability by analyzing the cost of car insurance in Morgantown from a model perspective rather than by segment.
Cheapest car insurance rates in Morgantown, WV
In our comparison, the top five lowest-cost non-luxury sedans and hatchbacks to insure in Morgantown are the Toyota GR Corolla, Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. Average insurance rates for for these five models range from $2,008 to $2,120 per year.
Not the cheapest, but still in the top 10, are cars like the Chevrolet Malibu, Kia K5, Toyota Corolla, and Honda Accord, with average annual insurance rates of $2,248 per year or less.
Ranking between positions 10 and 20, models like the Hyundai Sonata, Volkswagen Arteon, Nissan Versa, Kia Forte, Mazda 3, and Subaru Legacy average between $2,248 and $2,386 per year to insure.
From a cost per month standpoint, full-coverage car insurance on this segment in Morgantown for a good driver will start around $167 per month, depending on where you live.
If rates are ranked based on vehicle size, the most budget-friendly compact car to insure in Morgantown is the Toyota GR Corolla at $2,008 per year. For midsize cars, the Kia K5 is the cheapest model to insure at $2,224 per year. And for full-size sedans, the Chrysler 300 has the cheapest car insurance rates at $2,200 per year.
The next table ranks the cars with the lowest-cost car insurance rates in Morgantown, starting with the Toyota GR Corolla at $2,008 per year and ending with the Mazda 3 at $2,386 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $2,008 | $167 |
| Nissan Leaf | Compact | $2,022 | $169 |
| Honda Civic | Compact | $2,046 | $171 |
| Nissan Sentra | Compact | $2,116 | $176 |
| Subaru Impreza | Compact | $2,120 | $177 |
| Toyota Prius | Compact | $2,158 | $180 |
| Kia K5 | Midsize | $2,224 | $185 |
| Honda Accord | Midsize | $2,230 | $186 |
| Chevrolet Malibu | Midsize | $2,238 | $187 |
| Toyota Corolla | Compact | $2,248 | $187 |
| Kia Forte | Compact | $2,254 | $188 |
| Volkswagen Arteon | Midsize | $2,268 | $189 |
| Nissan Versa | Compact | $2,274 | $190 |
| Subaru Legacy | Midsize | $2,278 | $190 |
| Hyundai Ioniq 6 | Midsize | $2,298 | $192 |
| Mitsubishi Mirage G4 | Compact | $2,328 | $194 |
| Volkswagen Jetta | Compact | $2,334 | $195 |
| Toyota Crown | Midsize | $2,336 | $195 |
| Hyundai Sonata | Midsize | $2,342 | $195 |
| Mazda 3 | Compact | $2,386 | $199 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Morgantown, WV Zip Codes. Updated October 24, 2025
See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.
Is your vehicle not in the list? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Morgantown car insurance quotes from top auto insurance companies in West Virginia.
Cheapest SUVs to insure in Morgantown
The Subaru Crosstrek ranks in the top spot for the most budget-friendly SUV to insure in Morgantown, followed by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model costs an average of $1,706 per year to insure with full coverage.
Also ranking in the top 10 are models like the Hyundai Venue, Ford Bronco Sport, Toyota Corolla Cross, and Mazda CX-5, with an average car insurance cost of $1,892 per year or less.
In the bottom half of the top 20, models like the Honda CR-V, Buick Envista, Kia Niro, Honda HR-V, and Subaru Ascent average between $1,892 and $2,012 to insure per year in Morgantown.
Full-coverage auto insurance for this segment in Morgantown for the average driver starts at around $142 per month, depending on where you live and the company you use.
When vehicle size is considered, the most affordable non-luxury compact SUV to insure in Morgantown is the Subaru Crosstrek at $1,706 per year, or $142 per month. For midsize 2024 models, the Honda Passport has the cheapest rates at $1,842 per year, or $154 per month. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the cheapest car insurance rates at $2,168 per year, or $181 per month.
The next table ranks the SUVs with the cheapest car insurance in Morgantown, starting with the Subaru Crosstrek at $1,706 per year ($142 per month) and ending with the Subaru Ascent at $2,012 per year ($168 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,706 | $142 |
| Chevrolet Trailblazer | Compact | $1,736 | $145 |
| Kia Soul | Compact | $1,802 | $150 |
| Nissan Kicks | Compact | $1,820 | $152 |
| Honda Passport | Midsize | $1,842 | $154 |
| Buick Envision | Compact | $1,852 | $154 |
| Toyota Corolla Cross | Compact | $1,858 | $155 |
| Hyundai Venue | Compact | $1,876 | $156 |
| Mazda CX-5 | Compact | $1,884 | $157 |
| Ford Bronco Sport | Compact | $1,892 | $158 |
| Volkswagen Tiguan | Compact | $1,912 | $159 |
| Nissan Murano | Midsize | $1,940 | $162 |
| Buick Encore | Compact | $1,960 | $163 |
| Subaru Outback | Midsize | $1,968 | $164 |
| Honda CR-V | Compact | $1,970 | $164 |
| Buick Envista | Midsize | $1,972 | $164 |
| Volkswagen Taos | Compact | $1,976 | $165 |
| Kia Niro | Compact | $1,988 | $166 |
| Honda HR-V | Compact | $2,008 | $167 |
| Subaru Ascent | Midsize | $2,012 | $168 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Morgantown, WV Zip Codes. Updated October 24, 2025
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.
Looking for rates for a different SUV? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Morgantown car insurance quotes from the best auto insurance companies in West Virginia.
Sports cars with cheap insurance rates
The top five models for the most affordable Morgantown car insurance rates in the sports car and performance segment are the Mazda MX-5 Miata, Ford Mustang, Toyota GR86, BMW Z4, and Subaru WRX. Car insurance quotes for these models average $2,590 or less per year.
Some other sports cars that have affordable average insurance rates include the Nissan Z, Subaru BRZ, Toyota GR Supra, and BMW M2, with an average cost of $2,758 per year or less.
Additional 2024 models worth mentioning include the Porsche Taycan, Lexus LC 500, Porsche 718, Jaguar F-Type, and Porsche 911, which average between $2,758 and $3,910 to insure per year in Morgantown.
As a cost per month, full-coverage auto insurance in this segment for a safe driver can cost as low as $178 per month, depending on where you live and the company you use. The table below ranks the sports cars with the lowest-cost car insurance in Morgantown.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,136 | $178 |
| Toyota GR86 | Sports Car | $2,434 | $203 |
| Ford Mustang | Sports Car | $2,538 | $212 |
| BMW Z4 | Sports Car | $2,550 | $213 |
| Subaru WRX | Sports Car | $2,590 | $216 |
| Toyota GR Supra | Sports Car | $2,594 | $216 |
| BMW M2 | Sports Car | $2,670 | $223 |
| Nissan Z | Sports Car | $2,674 | $223 |
| Lexus RC F | Sports Car | $2,728 | $227 |
| Subaru BRZ | Sports Car | $2,758 | $230 |
| BMW M3 | Sports Car | $2,916 | $243 |
| Porsche 718 | Sports Car | $2,972 | $248 |
| Chevrolet Camaro | Sports Car | $2,998 | $250 |
| Chevrolet Corvette | Sports Car | $3,198 | $267 |
| Porsche 911 | Sports Car | $3,310 | $276 |
| BMW M4 | Sports Car | $3,446 | $287 |
| Lexus LC 500 | Sports Car | $3,464 | $289 |
| Jaguar F-Type | Sports Car | $3,644 | $304 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,822 | $319 |
| Porsche Taycan | Sports Car | $3,910 | $326 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Morgantown, WV Zip Codes. Updated October 24, 2025
Don’t see rates for your sports car? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in West Virginia.
Cheapest pickup truck insurance rates
The Chevrolet Colorado takes the #1 ranking as the most budget-friendly pickup to insure in Morgantown, followed by the Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. The 2024 model costs an average of $2,034 per year for full-coverage auto insurance.
Some other pickups that have cheaper rates are the GMC Canyon, GMC Sierra 2500 HD, Honda Ridgeline, and Hyundai Santa Cruz, with an average cost of $2,376 per year or less.
Full-coverage insurance in Morgantown for this segment can cost as low as $170 per month, depending on your company and location.
The next table ranks the pickups with the most affordable car insurance in Morgantown, starting with the Chevrolet Colorado at $170 per month and ending with the Ram Truck at $222 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,034 | $170 |
| Nissan Titan | Full-size | $2,160 | $180 |
| Nissan Frontier | Midsize | $2,182 | $182 |
| Ford Ranger | Midsize | $2,206 | $184 |
| Ford Maverick | Midsize | $2,238 | $187 |
| Honda Ridgeline | Midsize | $2,290 | $191 |
| Hyundai Santa Cruz | Midsize | $2,328 | $194 |
| Toyota Tacoma | Midsize | $2,338 | $195 |
| GMC Sierra 2500 HD | Heavy Duty | $2,350 | $196 |
| GMC Canyon | Midsize | $2,376 | $198 |
| Jeep Gladiator | Midsize | $2,432 | $203 |
| GMC Sierra 3500 | Heavy Duty | $2,446 | $204 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,468 | $206 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,534 | $211 |
| GMC Sierra | Full-size | $2,550 | $213 |
| Chevrolet Silverado | Full-size | $2,552 | $213 |
| Nissan Titan XD | Heavy Duty | $2,552 | $213 |
| Ford F150 | Full-size | $2,582 | $215 |
| GMC Hummer EV Pickup | Full-size | $2,648 | $221 |
| Ram Truck | Full-size | $2,668 | $222 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Morgantown, WV Zip Codes. Updated October 24, 2025
For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.
Is your pickup truck missing from the table above? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Morgantown car insurance quotes from the best auto insurance companies in West Virginia.
Luxury cars with cheap auto insurance rates
The top-ranked model in Morgantown for cheapest auto insurance rates in the luxury sedan segment is the Acura Integra, coming in at $2,054 per year. Second place is the BMW 330i at $2,350 per year, and the third most affordable is the Mercedes-Benz CLA250, at an average of $2,374 per year.
Not the cheapest, but still in the top 10, are cars like the Cadillac CT4, Lexus ES 350, Lexus RC 300, and Genesis G70, with average cost of $2,428 per year or less.
Full-coverage auto insurance in Morgantown for this segment for the average driver can cost as low as $171 per month, depending on where you live and the company you use.
The next table ranks the cars with the lowest-cost auto insurance rates in Morgantown, starting with the Acura Integra at $171 per month and ending with the Audi S3 at $216 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,054 | $171 |
| BMW 330i | Compact | $2,350 | $196 |
| Mercedes-Benz CLA250 | Midsize | $2,374 | $198 |
| Lexus IS 300 | Midsize | $2,380 | $198 |
| Acura TLX | Compact | $2,390 | $199 |
| Cadillac CT4 | Compact | $2,410 | $201 |
| Lexus ES 350 | Midsize | $2,412 | $201 |
| Genesis G70 | Compact | $2,416 | $201 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,422 | $202 |
| Lexus RC 300 | Midsize | $2,428 | $202 |
| Lexus IS 350 | Compact | $2,438 | $203 |
| Jaguar XF | Midsize | $2,444 | $204 |
| Cadillac CT5 | Midsize | $2,488 | $207 |
| Lexus ES 250 | Midsize | $2,498 | $208 |
| Lexus RC 350 | Compact | $2,504 | $209 |
| BMW 330e | Compact | $2,506 | $209 |
| BMW 228i | Compact | $2,512 | $209 |
| BMW 230i | Compact | $2,530 | $211 |
| Lexus ES 300h | Midsize | $2,534 | $211 |
| Audi S3 | Compact | $2,588 | $216 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Morgantown, WV Zip Codes. Updated October 24, 2025
See our guide for luxury car insurance to view any vehicles not shown in the table.
Don’t see your luxury car in the list? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in West Virginia.
Cheapest luxury SUV insurance rates
In our comparison, the top five most affordable SUVs to insure in Morgantown are the Acura RDX, Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. Auto insurance rates for these five models range from $1,932 to $2,178 per year.
Not the cheapest, but still very affordable, are models like the Lexus UX 250h, Mercedes-Benz GLB 250, Lexus NX 350h, and Lincoln Corsair, with average rates of $2,226 per year or less.
In the lower half of the top 20 luxury SUVs to insure, models like the Mercedes-Benz GLA35 AMG, Mercedes-Benz GLA250, Infiniti QX60, Cadillac XT6, and Infiniti QX50 average between $2,226 and $2,318 per year for insurance in Morgantown.
Full-coverage insurance in this segment for a safe driver can cost as low as $161 per month, depending on where you live. The table below ranks the twenty SUVs with the most affordable average auto insurance rates in Morgantown, starting with the Acura RDX at $1,932 per year ($161 per month) and ending with the Lexus RX 350 at $2,318 per year ($193 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,932 | $161 |
| Lexus NX 250 | Compact | $2,044 | $170 |
| Cadillac XT4 | Compact | $2,084 | $174 |
| Jaguar E-Pace | Midsize | $2,160 | $180 |
| Cadillac XT5 | Midsize | $2,178 | $182 |
| Lexus NX 350h | Compact | $2,180 | $182 |
| Lincoln Corsair | Compact | $2,206 | $184 |
| Mercedes-Benz GLB 250 | Compact | $2,210 | $184 |
| Lexus UX 250h | Compact | $2,212 | $184 |
| Lexus NX 450h | Compact | $2,226 | $186 |
| Infiniti QX50 | Midsize | $2,244 | $187 |
| Mercedes-Benz GLA250 | Compact | $2,252 | $188 |
| Mercedes-Benz GLA35 AMG | Compact | $2,258 | $188 |
| Cadillac XT6 | Midsize | $2,260 | $188 |
| Infiniti QX60 | Midsize | $2,272 | $189 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,274 | $190 |
| Land Rover Evoque | Compact | $2,306 | $192 |
| Acura MDX | Midsize | $2,308 | $192 |
| Lexus NX 350 | Compact | $2,316 | $193 |
| Lexus RX 350 | Midsize | $2,318 | $193 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Morgantown, WV Zip Codes. Updated October 24, 2025
See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.
Is your luxury SUV not in the list? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Morgantown car insurance quotes from top-rated companies in West Virginia.
The highs and lows of auto insurance
To reinforce the amount that the cost of identical auto insurance can fluctuate from one person to the next, the examples below have comprehensive car insurance rates for four popular vehicles in Morgantown: the Ford F150, Nissan Sentra, Toyota Highlander, and Honda Accord.
Each example shows average rates for a range of driver profiles to demonstrate the possible cost variation based on driver risk profile and policy coverages.
Ford F150 insurance rates
Ford F150 insurance in Morgantown costs an average of $2,582 per year, or around $215 per month, and ranges from $2,142 to $5,964 per year.
The Ford F150 is classified as a full-size truck, and other popular same-segment models include the GMC Sierra, Nissan Titan, Ram Truck, and Toyota Tundra.
Nissan Sentra insurance rates
In Morgantown, Nissan Sentra insurance costs an average of $2,116 per year (about $176 per month) and varies from $1,756 to $4,808.
The Nissan Sentra is classified as a compact car, and other models in the same segment include the Hyundai Elantra, Volkswagen Jetta, and Toyota Corolla.
Toyota Highlander insurance rates
In Morgantown, Toyota Highlander insurance costs an average of $2,102 per year, or around $175 per month, and ranges from $1,748 to $4,800.
The Toyota Highlander belongs to the midsize SUV segment, and other models popular in Morgantown include the Kia Sorento, Ford Explorer, and Jeep Grand Cherokee.
Honda Accord insurance rates
Car insurance for a Honda Accord in Morgantown costs an average of $2,230 per year, or around $186 per month, and has a range of $1,854 to $5,124.
The Honda Accord is a midsize car, and other popular models include the Kia K5, Nissan Altima, Chevrolet Malibu, and Toyota Camry.
How to save on car insurance in Morgantown
Resourceful drivers should always be thinking of ways to pay less for insurance So glance through the money-saving tips in this next list and it’s very possible you can save a few bucks the next time your policy renews.
- Your choice of occupation could reduce your rates. Just about all car insurance providers offer policy discounts for certain professions like dentists, scientists, emergency medical technicians, engineers, members of the military, and others. Working in a qualifying occupation could save between $69 and $224 on your yearly car insurance premium, depending on the level of coverage purchased.
- Avoid traffic tickets to pay less. In order to get affordable car insurance in Morgantown, it pays to be a safe driver. Just one or two traffic violations have the potential to raise car insurance cost as much as $614 per year.
- If your vehicle is older, reduce coverage. Dropping full coverage from vehicles whose low value makes coverage cost prohibitive can cut the cost of auto insurance considerably.
- Pay small claims out-of-pocket. Insurance companies give a discount if you have no claims on your account. Insurance should be used to protect you from significant claims, not minor claims.
- More policy discounts means cheap car insurance rates. Discounted rates may be available if the insureds are homeowners, are military or federal employees, insure multiple vehicles on the same policy, are good students, drive a vehicle with safety or anti-theft features, or many other policy discounts which could save the average Morgantown driver as much as $390 per year.
- Raise your credit for better rates. Having a high credit score of 800+ could save up to $362 per year when compared to a good rating of 670-739. Conversely, a weak credit rating could cost around $420 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Raising physical damage deductibles lowers cost. Raising deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.