How Much Does Umbrella Insurance Cost in West Virginia?
West Virginia pricing is below the national average. Updated for 2026.
Umbrella Insurance Pricing in West Virginia
In West Virginia, the average cost for umbrella insurance is $20 per month, which is 20% lower than the national average of $25. Most West Virginia residents pay between $12 and $40.
West Virginia benefits from a lower cost of living than many states, resulting in more affordable pricing for umbrella insurance. This makes it one of the more budget-friendly states for this service.
Umbrella insurance provides additional liability coverage beyond your home and auto insurance limits. It protects your assets if you're sued for more than your base policies cover.
West Virginia vs National Average
What Affects Umbrella Insurance Cost in West Virginia?
Coverage
$1M policy: $15-$25/month. $2M: $20-$35/month. $5M: $30-$50/month
Risk
Pool, rental properties, teen drivers, and certain dog breeds increase premiums
📐 Umbrella Insurance in West Virginia Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Umbrella Insurance Pros in West Virginia
5 providersAll-Pro Plumbing
⭐ PREMIUMProudly serving WV since 2021. Licensed, insured, and committed to excellence.
Apex Contractors
⭐ PREMIUMProudly serving WV since 2010. Licensed, insured, and committed to excellence.
Heritage Restoration
✅ VERIFIEDAre You a Umbrella Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for umbrella insurance in West Virginia.
💡 Tips to Save on Umbrella Insurance in West Virginia
- 1.Bundle with your home and auto for the best rate
- 2.$1M in coverage is very affordable — the most common starting point
- 3.Compare between your current insurer and others
- 4.Higher underlying limits on home/auto can lower umbrella costs
📈 Umbrella Insurance in West Virginia Cost Trends (2020–2024)
Prices have increased +25.0% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $16 | — |
| 2021 | $17 | +6.3% |
| 2022 | $18 | +5.9% |
| 2023 | $19 | +5.6% |
| 2024 | $20 | +5.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Umbrella Insurance in West Virginia
Recent Reports
Frequently Asked Questions
Who needs umbrella insurance?
Anyone with assets to protect. If your net worth exceeds your home and auto liability limits, umbrella insurance is a smart, affordable way to protect yourself from lawsuits.
Umbrella Insurance Cost in Other States
Related Cost Guides for West Virginia
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.