West Virginia Homeowners Pay Some of the Lowest Insurance Costs In The Country

"According to the American Community Survey (ACS) data from the U.S. Census Bureau, West Virginia homeowners with a mortgage typically pay $1,000-$1,499 annually for homeowners insurance, while those without a mortgage average even less, at $800-$999. Overall statewide costs also fall into the $800-$999 range. West Virginia has 559,415 insured homeowner households in total-251,070 with a mortgage and 308,345 without."

"Compared with nearby states, West Virginia is among the most affordable. Pennsylvania homeowners with a mortgage typically pay $1,000-$1,499, while non-mortgaged households average $800-$999, matching West Virginia. Ohio and Kentucky also average $1,000-$1,499 for mortgaged owners, keeping them in line with West Virginia. By contrast, Virginia homeowners pay slightly more, at $1,000-$1,499, but with higher shares of households reporting costs above $4,000. This positions West Virginia among the most affordable insurance states in the Mid-Atlantic and Appalachian regions."

West Virginia homeowners generally face low homeowners insurance costs relative to many other states. Homeowners with a mortgage typically pay $1,000–$1,499 annually, while those without a mortgage average $800–$999, and overall statewide costs fall in the $800–$999 range. The state has 559,415 insured homeowner households, including 251,070 with a mortgage and 308,345 without, with notable counts paying under $100 or $4,000 or more. Nearby states such as Pennsylvania, Ohio, and Kentucky show similar averages, while Virginia reports higher shares of households paying over $4,000. Climate-exposed states face greater affordability challenges.

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