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Get Cheap Car Insurance in Pardee, WV

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

 

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The Cheapest Minimum Coverage in Pardee

The chart below shows the cheapest car insurance company in Pardee 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.

 
Pardee Insurer Monthly Cost
State Farm $54
Westfield $55
Safeco Insurance $57
Erie Insurance $66

Savings for Every Kind of Pardee Driver

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

Based on our extensive insurance data, we know the average Pardee 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 $348 per year by choosing the right vehicle insurance company. Some Pardee residents are paying out over $1,699 extra every year for auto insurance in Pardee. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Pardee, WV Savings / Yr.
Drivers with good records
$348
Drivers with accidents
$741
Drivers with speeding tickets
$549
Drivers with a DUI conviction
$700
Young drivers
$1,969
Married drivers
$428
Drivers with bad credit
$489

Pardee Car Insurance vs. West Virginia

People living in Pardee pay an average of 11.64% more than the typical driver in the state. The average driver in Pardee can expect to pay about $911 per year, or $1,699 for full coverage.

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

Car Insurance Prices by Pardee Neighborhood

Pardee, WV map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Pardee?

The map shows insurance prices in and around Pardee, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $1,699 to a low of $1,699. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Pardee.

Pick the Best Car Insurance Company for You in Pardee

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 Pardee insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Pardee

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $348 over the average Pardee car insurance company.

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We use the average good driver, paying $113 per month, as our baseline for pricing in Pardee. 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 Pardee drivers with accidents on their records

In Pardee getting into an accident will raise premiums an average 36% for a yearly cost of $2,637. That's $938 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 $741 over the competition.

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The best car insurance company for Pardee drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $549 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 Pardee, tickets raise premiums on new quotes about $573. If you have a speeding ticket, we recommend State Farm, Westfield, and Safeco Insurance for savings that beat the average insurance cost of $2,272 per year.

The best auto insurance for Pardee drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,722 per year in auto insurance premiums, which was $1,023 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 $700 less each year.

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

In Pardee, State Farm costs young drivers $1,969 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 Pardee. With an average cost of $5,725 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 Pardee

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $113. State Farm, Westfield, and Erie Insurance provided the largest discounts to couples living in Pardee.

State Farm gave the largest car insurance discounts to married couples, averaging $428 saved each year compared to an average Pardee couple's premiums.

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The cheapest car insurance in Pardee for drivers with bad credit

People with poor credit saved an average of $489 with Westfield.

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Many people are surprised that their poor credit score can cost them an average of $966 every year. Premiums for people with poor credit were about $2,665 in Pardee. 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 Pardee car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Pardee, 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 Pardee.

Nationwide was the best company for customer service in Pardee 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 Pardee, 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 Pardee. 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 Pardee

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 24% of Pardee 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 Pardee 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 Pardee, 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.
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Auto Insurance Prices in and Around Pardee

What Influences the Cost of Car Insurance in Pardee?

On average, car insurance in Pardee 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 Pardee is 44 minutes, which is a little 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 Pardee are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
  • Pardee has an average population density in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Pardee is $76 per month for minimum coverage and $142 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

Cities with Similar Populations

  • Litsey: Insurance costs 24.54% more
  • Leesville: Insurance costs 25.96% more
  • Lehr: Insurance costs 15.19% less
  • Leipsic: Insurance costs 31.49% less
  • Lemington: Insurance costs 29.13% less
  • Leon: Insurance costs 30.08% more
  • Liberty: Insurance costs 28.72% less
  • Liggett: Insurance costs 29.55% less
  • Lincoln: Insurance costs 9.59% less
  • Lincoln: Insurance costs 1.53% more
* Who is the average Pardee driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Pardee 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.