Home insurance cost in West Virginia
About $2,465 a year, or $205 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Home insurance cost
$2,465
a year
A month
$205
Rank
27 of 51
1 = cheapest; −1% vs U.S.
| State | Home insurance cost | Rank |
|---|---|---|
| Maryland | $2,375 | 25 |
| Michigan | $2,415 | 26 |
| West Virginia | $2,465 | 27 |
| New Mexico | $2,800 | 28 |
| Florida | $2,845 | 29 |
| U.S. | $2,490 | - |
Common questions
How much is homeowners insurance in West Virginia?
About $2,465 a year, or $205 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Is home insurance in West Virginia expensive?
West Virginia ranks 27 of 51 (1 = cheapest). Your price depends on the home's rebuild cost, location, claims history, credit and deductible.
Add insurance and taxes to a full payment with the mortgage calculator.
More for West Virginia: monthly budget · take-home pay · rent.