Car Insurance in Morgantown, WV – Cheapest Rates (2024) + Averages

• Morgantown car insurance cost averages $1,698 per year, or approximately $142 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 ($1,746 per year), Acura RDX ($1,420 per year), Acura Integra ($1,510 per year), and Nissan Titan ($1,588 per year).

What is average car insurance cost in Morgantown?

The average car insurance expense in Morgantown is $1,698 per year, which is around $142 per month. Morgantown car insurance costs 10.3% less than the U.S. average rate of $1,883.

In the state of West Virginia, the average cost to insure a vehicle is $1,720 per year, so the cost in Morgantown averages $22 less per year. When prices are compared to other locations in West Virginia, the average cost to insure a vehicle in Morgantown is about $14 per year less than in Wheeling, $62 per year cheaper than in Charleston, and $46 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 – $6,048 per year or $504 per month
• 17-year-old rated driver – $5,860 per year or $488 per month
• 18-year-old rated driver – $5,252 per year or $438 per month
• 19-year-old rated driver – $4,781 per year or $398 per month
• 20-year-old rated driver – $3,416 per year or $285 per month
• 30-year-old rated driver – $1,810 per year or $151 per month
• 40-year-old rated driver – $1,698 per year or $142 per month
• 50-year-old rated driver – $1,506 per year or $126 per month
• 60-year-old rated driver – $1,410 per year or $118 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 $1,192 per year for a 60-year-old driver with a policy with high physical damage deductibles to $3,974 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 $99 to $331 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 $118 to $504 – 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 $1,606 less per year than a 20-year-old driver, $1,810 compared to $3,416.
• Insuring teen drivers can be very expensive – Rates can range from $4,045 to $6,048 per year for car insurance for teens in Morgantown, WV.
• Morgantown, WV, car insurance cost is less than the U.S. average – $1,698 (Morgantown average) compared to $1,883 (U.S. average)
• Morgantown car insurance prices are cheaper than the West Virginia state average – $1,698 (Morgantown average) compared to $1,720 (West Virginia average)
• Car insurance is cheaper the older you are – Average auto insurance rates for a 50-year-old driver in Morgantown are $1,910 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 $1,380 or less per year, or $115 per month, for full coverage car insurance.

Other models that have low-cost insurance prices in the comparison table below are the Nissan Murano, Honda CR-V, Chevrolet Colorado, and Volkswagen Taos.

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 $121 or less per month.

The next table breaks down the 50 models with the cheapest car insurance in Morgantown, ordered starting with the cheapest.

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 $1,474 per year up to the Toyota Mirai costing $2,112 per year.

For another example, in the sports car segment, insurance rates range from the Mazda MX-5 Miata at $1,572 per year to the Mercedes-Benz SL 63 at $3,486 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 $1,474 to $1,560 per year.

Not the cheapest, but still in the top 10, are cars like the Honda Accord, Toyota Prius, Chevrolet Malibu, and Kia K5, with average annual insurance rates of $1,644 per year or less.

Ranking between positions 10 and 20, models like the Hyundai Sonata, Kia Forte, Volkswagen Arteon, Toyota Corolla, Mazda 3, and Nissan Versa average between $1,644 and $1,756 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 $123 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 $1,474 per year. For midsize cars, the Hyundai Ioniq 6 is the cheapest model to insure at $1,560 per year. And for full-size sedans, the Chrysler 300 has the cheapest car insurance rates at $1,610 per year.

The next table ranks the cars with the lowest-cost car insurance rates in Morgantown, starting with the Toyota GR Corolla at $1,474 per year and ending with the Mazda 3 at $1,756 per year.

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 $1,254 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 $1,390 per year or less.

In the bottom half of the top 20, models like the Subaru Outback, Buick Envista, Kia Niro, Subaru Ascent, and Honda HR-V average between $1,390 and $1,476 to insure per year in Morgantown.

Full-coverage auto insurance for this segment in Morgantown for the average driver starts at around $105 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 $1,254 per year, or $105 per month. For midsize 2024 models, the Honda Passport has the cheapest rates at $1,352 per year, or $113 per month. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the cheapest car insurance rates at $1,596 per year, or $133 per month.

The next table ranks the SUVs with the cheapest car insurance in Morgantown, starting with the Subaru Crosstrek at $1,254 per year ($105 per month) and ending with the Honda HR-V at $1,476 per year ($123 per month).

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 $1,902 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 $2,030 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 $2,030 and $2,874 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 $131 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.

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 $1,454 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 $1,746 per year or less.

Full-coverage insurance in Morgantown for this segment can cost as low as $121 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 $121 per month and ending with the Ram Truck at $164 per month.

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 $1,510 per year. Second place is the BMW 330i at $1,728 per year, and the third most affordable is the Mercedes-Benz CLA250, at an average of $1,746 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 $1,784 per year or less.

Full-coverage auto insurance in Morgantown for this segment for the average driver can cost as low as $126 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 $126 per month and ending with the Audi S3 at $159 per month.

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 $1,420 to $1,602 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 $1,636 per year or less.

In the lower half of the top 20 luxury SUVs to insure, models like the Cadillac XT6, Mercedes-Benz GLA250, Infiniti QX60, Mercedes-Benz GLA35 AMG, and Infiniti QX50 average between $1,636 and $1,702 per year for insurance in Morgantown.

Full-coverage insurance in this segment for a safe driver can cost as low as $118 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 $1,420 per year ($118 per month) and ending with the Lexus NX 350 at $1,702 per year ($142 per month).

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 $1,900 per year, or around $158 per month, and ranges from $1,578 to $4,388 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 $1,554 per year (about $130 per month) and varies from $1,292 to $3,536.

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 $1,546 per year, or around $129 per month, and ranges from $1,284 to $3,532.

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 $1,642 per year, or around $137 per month, and has a range of $1,364 to $3,774.

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 $51 and $165 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 $452 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 $288 per year.
• Raise your credit for better rates. Having a high credit score of 800+ could save up to $267 per year when compared to a good rating of 670-739. Conversely, a weak credit rating could cost around $309 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 $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.