Renters Insurance Cost in West Virginia (2026 Average)
West Virginia renters paid about $133 a year on average in the NAIC 2021 baseline, about $37 less than the $170 US average. The state average is a useful baseline, but your quote will depend on your city, coverage limits, deductible, and claims history.
What drives West Virginia renters insurance costs
West Virginia renters paid about $133 a year on average in the NAIC 2021 baseline, about $37 less than the $170 US average.
Weather exposure is a major driver here: flooding and severe storms are the main weather exposures.
Claim frequency and litigation also matter: claim frequency is moderate.
Replacement costs and carrier competition round out the picture: replacement costs are modest, and a limited carrier market keeps the average below the national figure.
How West Virginia compares
| Location | Average annual premium | vs US average ($170) |
|---|---|---|
| West Virginia | $133 | −$37 |
| United States (national average) | $170 | baseline |
| Virginia | $139 | −$31 |
| Maryland | $131 | −$39 |
| Ohio | $125 | −$45 |
A minus sign means the average is below the US average. Figures are the NAIC 2021 baseline; 2026 quotes run higher after inflation.
Next steps
Estimate your own premium
State averages only get you part of the way. Your real quote depends on your address, the coverage you choose, and your claims history.