🏠 Home insurance cost in West Virginia (2026)
The estimated average is $1,610 per year — below the national average (-30% vs. the U.S. average of $2,300).
West Virginia is home to about 1.8 million people, and home insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Charleston typically differ from smaller towns.
Estimate your home insurance in West Virginia
West Virginia home insurance estimator
Starts from the West Virginia average. Estimate only — get quotes to confirm.
Home insurance cost in West Virginia cities
| City | Population | Est. home insurance |
|---|---|---|
| Charleston | 48,018 | $1,546 |
| Huntington | 44,644 | $1,546 |
| Morgantown | 30,347 | $1,546 |
West Virginia home insurance FAQ
How much is home insurance in West Virginia?
The estimated average home insurance in West Virginia is $1,610 per year, which is below the national average (-30% vs. the U.S. average of $2,300). West Virginia ranks 38 of 51 states from most to least expensive.
Why is home insurance cheaper in West Virginia?
Home insurance pricing in West Virginia reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the South.
How can I save on home insurance in West Virginia?
Compare at least three quotes from insurers active in West Virginia, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.