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2024

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Best Local Car Insurance Agencies in Charleston, WV

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Charleston Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

42Reviewed

30Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

16356 Barbour County Highway, Charleston, WV 26416

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Facebook
4.6 (10)

Why choose this provider?

Cvechko Insurance Services educates clients on its insurance products that can protect their valued assets. Its agents offer insurance for vehicles such as cars, motorcycles, and watercraft like boats and yachts. Founder and owner Michael Cvechko has nearly 20 years of experience in the industry. He started handling property and casualty claims under a different company until he was able to open his own independent insurance agency in 2013. He and his team cater to clients in Charleston.

  • Multiple Carriers

216 Washington Street West, Charleston, WV 25302

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Google
4.0 (114)
Facebook
5.0 (20)

Why choose this provider?

Capital Insurance Group LLC is an independent insurance agency located in Charleston. Its team of insurance experts helps clients customize their insurance policies and offers a variety of products, such as life and individual insurance, auto, motorcycle, ATV, RV and watercraft insurance, homeowners and renters insurance, business owners' insurance, general and professional liability insurance, and workers' compensation. They also provide insurance solutions such as pet insurance, and wedding and special events insurance. The Dave Ramsey Show recommends the Capital Insurance Group.

  • Home & Auto Insurance
  • Home Insurance

90 Technology Drive, South Charleston, WV 25309

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5.0 (55)
Google
4.5 (8)

Why choose this provider?

Harless Insurance Agency assists vehicle owners in Charleston and the nearby communities in securing car insurance plans that match the state’s requirements, as well as their individual needs, expectations, and priorities. The company’s professional agents represent a carefully selected group of financially sound and reputable carriers that carry insurance plans with collision, liability, and comprehensive coverage. Clients may opt to avail themselves of more protection coverages. Harless Insurance Agency also provides motorcycle, boat, and marine insurance.

  • Bundling Option

738 East Main Street, Charleston, WV 45640

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5.0 (10)
Google
5.0 (4)

Why choose this provider?

Sheward-Fulks Insurance Agency, Inc - Jackson is an independent insurance agency extending its services to Charleston. It provides a variety of personal and business car insurance coverage options that can protect a vehicle or a whole fleet. The policies typically include protection against financial losses from vehicle collisions, medical bills, and other unexpected circumstances like theft or fire damage. Clients can choose to add extra protections into their policy depending on their needs. The agency also offers motorcycle, classic car, and off-road vehicle insurance.

  • Multiple Carriers
  • Motorcyle & ATV

3121 Maccorkle Avenue Southwest, South Charleston, WV 25303

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5.0 (22)
Facebook
5.0 (12)

Why choose this provider?

Cameron Vance is a local insurance agent representing State Farm Insurance in Charleston, West Virginia and nearby cities. Born and raised in Charleston, he is familiar with insurance needs unique in the place and writes policies that comprehensively address them. He has been working with State Farm for over 18 years. He writes auto insurance policies that provide financial protection from unexpected expenses caused by traffic collisions and other motorist risks.

  • RV & Motorhome
  • Motorcyle & ATV

6748 Straight Fork, Hamlin, WV 25523

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Facebook
5.0 (1)

Why choose this provider?

Lincoln Agency, Inc., is a company of insurance professionals and brokers that serves the Charleston metro. The firm's insurance specialists help clients navigate their options for protecting their cars and themselves from unforeseen damages and liabilities arising from accidents and natural disasters. The company's insurance professionals and agents have more than two decades of cumulative experience in the insurance industry and partner with various carriers, such as Progressive, Farmers and Mechanics, and Dairyland.

  • Multiple Carriers

335 2nd Avenue, South Charleston, WV 25303

Expertise.com Rating

Why choose this provider?

Asseff Insurance Agency is an independent insurance firm based in Charleston. It services the insurance needs of families and businesses in the metro, including an auto insurance policy that has essential coverages for the car itself, the driver, and all others involved in the event of an accident. Additional protection may be applied, such as medical coverage and car rental reimbursements. Asseff Insurance has nearly 10 years of prioritizing customers and delivering custom insurance plans.

  • Multiple Carriers

5964 U.S. 60, Barboursville, WV 25504

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Review Sources

Facebook
5.0 (1)

Why choose this provider?

Maynard Insurance Agency, LLC, is a family-owned and operated auto insurance company that services clients in the Charleston area. The business's agents consider their clients like family and help them review their existing insurance coverages or assist them in obtaining new ones for their cars, RVs, ATVs, and motorcycles. Established in 1983, Maynard Insurance Agency offers a comprehensive line of customized personal and business insurance lines that fit clients' needs and budgets.

  • RV & Motorhome

2702 Main Street, Hurricane, WV 25526

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Google
4.4 (14)
Facebook
5.0 (5)

Why choose this provider?

Ron Ward Insurance in Hurricane is an independent insurance agency that provides insurance solutions to residents of the Charleston metro and nearby communities. The company provides various personal and business lines, including its auto insurance policies that protect clients from expenses caused by traffic accidents, collisions, and other forms of damages. Ron Ward Insurance is a second-generation family-owned company established in 1965 that is committed to building lasting business relationships with its clients.

  • Multiple Carriers

3786 Teays Valley Road, Hurricane, WV 25526

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Review Sources

Facebook
4.8 (18)

Why choose this provider?

Yeager Insurance and Financial Services is a Trusted Choice agency that has been providing insurance solutions to Charleston residents and businesses since 1998. Among its products are various types of auto insurance coverages, namely bodily injury liability, personal injury protection, property damage liability, collision, comprehensive, and uninsured motorist coverage. Its agents deliver personalized services and pay attention to details in discussing coverage options and limitations with clients, with the aim of giving clients the right policy that meets their unique needs.

  • Multiple Carriers

3512 Staunton Avenue Southeast, Charleston, WV 25304

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Facebook
5.0 (29)
Google
5.0 (28)

Why choose this provider?

With over 110 years of combined experience, White Insurance & Associates - Charleston has insurance options for every need of its individual and business clients. Its team of independent agents provides an objective, expert opinion so that clients can make the best financial choices about their car insurance policies and coverages. The company offers immediate coverage, low down payment rates, and multi-policy discounts for auto and home bundles. White Insurance & Associates also has home, business, and life insurance products.

  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

1206 Kanawha Boulevard East, Charleston, WV 25301

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Review Sources

Facebook
5.0 (2)

Why choose this provider?

Mountain State Insurance Agency, Inc. is an independent insurance agency located in Charleston. Established in 1917, the company serves homeowners, businesses, and individuals. Its team offers safety in the event of car accidents that can result in damage or loss. Its policies provide coverage for legal liability, vehicle damages, and any injuries sustained from accidents and disasters. Mountain State Insurance Agency serves clients throughout West Virginia and the nearby areas.

  • Multiple Carriers

1103 Smith Street, Milton, WV 25541

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Review Sources

Google
5.0 (3)

Why choose this provider?

Elkins Insurance Agency Inc. offers insurance solutions in order to cover financial loss due to auto-related accidents such as complete vehicle repair or rental payment reimbursement. Serving clients in Charleston and the rest of the region, the history of the family-owned agency dates back to 1966. The agency now has a network of insurance carriers that are leading names in the industry such as Hartford, Farmers and Mechanics, State Auto, and Progressive.

  • Multiple Carriers

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Cvechko Insurance Services
16356 Barbour County Highway, Charleston, WV 26416
Capital Insurance Group LLC - Charleston
216 Washington Street West, Charleston, WV 25302
Harless Insurance Agency
90 Technology Drive, South Charleston, WV 25309
Sheward-Fulks Insurance Agency, Inc. - Jackson
738 East Main Street, Charleston, WV 45640
Cameron Vance
3121 Maccorkle Avenue Southwest, South Charleston, WV 25303
kristitully@thelincolnagency.com
6748 Straight Fork, Hamlin, WV 25523
Asseff Insurance Agency
335 2nd Avenue, South Charleston, WV 25303
maynardinsuranceagency.net
5964 U.S. 60, Barboursville, WV 25504
Ron Ward Insurance - Hurricane, WV Office
2702 Main Street, Hurricane, WV 25526
Yeager Insurance and Financial Services
3786 Teays Valley Road, Hurricane, WV 25526
White Insurance & Associates - Charleston
3512 Staunton Avenue Southeast, Charleston, WV 25304
Mountain State Insurance Agency, Inc. - Charleston
1206 Kanawha Boulevard East, Charleston, WV 25301
Elkins Insurance Agency Inc
1103 Smith Street, Milton, WV 25541

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Can you still get an SR-22 certificate even without owning a car in Charleston?

    Yes, you can get an SR-22 certificate in Charleston even if you do not own a car. Individuals who want to regain their driving privileges can contact their insurance companies and request a non-owner SR-22. GEICO, Progressive, and The General are some companies that provide this type of coverage. However, this certificate can be challenging to secure if a driver does not have an existing non-owner auto insurance policy.

  • How much do Charleston residents pay for auto insurance premiums per year?

    Charleston residents pay an average of $1,667 per year for auto insurance. However, because carriers use different variables to determine an appropriate insurance premium that fits their situation, most policyholders have varying insurance costs. Location, gender, age, and driving experience are all factors that influence an individual's premium costs.

  • Do you need to cancel your auto policy in Charleston when making an out-of-state move?

    Yes. You need to cancel your Charleston auto policy when making an out-of-state move. This is because individuals always need to follow the insurance laws of their home state. They should contact an insurance carrier to purchase a new auto policy that observes mandatory coverage requirements. Policyholders should also avoid canceling their previous auto coverage without a new one to replace it.

  • Why should Charleston residents have annual auto policy reviews?

    Charleston residents should conduct annual auto policy reviews to ensure that their coverage plans are up to date. During each session, insurance agents inquire about new drivers in the household, recent vehicle purchases, and sudden job changes. Then, they make recommendations to help individuals take advantage of appropriate discounts and coverage add-ons for their policies.

  • Can driving an expensive car lead to high insurance costs in Charleston?

    Driving an expensive car does not always result in high insurance costs in Charleston. A policyholder's auto premium is typically determined by the make and model of their vehicle. Before determining competitive insurance premium rates, most insurance providers consider a vehicle's features, potential repair costs, and loss history reports. Individuals who own high-performance vehicles frequently pay higher insurance premiums than other car owners.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.