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Get Cheap Car Insurance in Bens Run, WV

We monitor insurance prices, helping the average driver in Bens Run save up to 34.4% on car insurance.

 

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The Cheapest Minimum Coverage in Bens Run

The chart below shows the cheapest car insurance company in Bens Run for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Westfield, Safeco Insurance, and Erie Insurance.

 
Bens Run Insurer Monthly Cost
State Farm $49
Westfield $50
Safeco Insurance $52
Erie Insurance $60

Savings for Every Kind of Bens Run Driver

The table shows how much the average auto insurance customer in Bens Run might save by following our recommendations.

Based on our extensive insurance data, we know the average Bens Run driver will save about 20% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $316 per year by choosing the right vehicle insurance company. Some Bens Run residents are paying out over $1,540 extra every year for auto insurance in Bens Run. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Bens Run, WV Savings / Yr.
Drivers with good records
$316
Drivers with accidents
$672
Drivers with speeding tickets
$498
Drivers with a DUI conviction
$634
Young drivers
$1,785
Married drivers
$388
Drivers with bad credit
$443

Bens Run Car Insurance vs. West Virginia

People living in Bens Run pay an average of 1.19% more than the typical driver in the state. The average driver in Bens Run can expect to pay about $826 per year, or $1,540 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Bens Run for most people.

Car Insurance Prices by Bens Run Neighborhood

Bens Run, WV map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Bens Run?

The map shows insurance prices in and around Bens Run, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $23 per year within the city boundaries, with insurance premiums ranging from a high of $1,541 to a low of $1,518. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Central parts of Bens Run.

Pick the Best Car Insurance Company for You in Bens Run

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Bens Run insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Bens Run

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $316 over the average Bens Run car insurance company.

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We use the average good driver, paying $102 per month, as our baseline for pricing in Bens Run. State Farm, Westfield, and Safeco Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Bens Run drivers with accidents on their records

In Bens Run getting into an accident will raise premiums an average 36% for a yearly cost of $2,390. That's $850 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Safeco Insurance, and Erie Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $672 over the competition.

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The best car insurance company for Bens Run drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $498 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Bens Run, tickets raise premiums on new quotes about $519. If you have a speeding ticket, we recommend State Farm, Westfield, and Safeco Insurance for savings that beat the average insurance cost of $2,059 per year.

The best auto insurance for Bens Run drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,467 per year in auto insurance premiums, which was $927 more than a driver with no major issues. State Farm, Safeco Insurance, and Erie Insurance penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $634 less each year.

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The least expensive car insurance company for new and young drivers in Bens Run

In Bens Run, State Farm costs young drivers $1,785 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 70% more for insurance than more mature drivers in Bens Run. With an average cost of $5,189 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Erie Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Bens Run

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $102. State Farm, Westfield, and Erie Insurance provided the largest discounts to couples living in Bens Run.

State Farm gave the largest car insurance discounts to married couples, averaging $388 saved each year compared to an average Bens Run couple's premiums.

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The cheapest car insurance in Bens Run for drivers with bad credit

People with poor credit saved an average of $443 with Westfield.

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Many people are surprised that their poor credit score can cost them an average of $875 every year. Premiums for people with poor credit were about $2,415 in Bens Run. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Nationwide, Westfield, and Safeco Insurance.

The best Bens Run car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Bens Run, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in Bens Run.

Nationwide was the best company for customer service in Bens Run according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Bens Run, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Bens Run. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Bens Run

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 5.9% of Bens Run residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Bens Run driver can expect to pay about $101 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Bens Run, USAA has the best prices for drivers with speeding tickets, good drivers, young drivers, drivers with bad credit, drivers with a DUI conviction, drivers with accidents, and married couples.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Bens Run

What Influences the Cost of Car Insurance in Bens Run?

On average, car insurance in Bens Run is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Bens Run is 48 minutes, which is far more than average for a driver in the state.
  • West Virginia state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Bens Run are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
  • Bens Run is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Bens Run is $69 per month for minimum coverage and $128 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

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* Who is the average Bens Run driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Bens Run with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.