The average cost of homeowners insurance in West Virginia is a few dollars below the national average of $1,445 per year (2020). West Virginia is the 23rd most expensive state in the United States for homeowners insurance. This makes it more affordable than 27states out of 50 states in the United States and more expensive than 22 states out of 50. Homeowners insurance rates in West Virginia are on edge between been affordable and expensive for homeowners. If you are own a house in West Virginia without a homeowners insurance policy, you may be taking in too much of a risk. The unpredictable and volatile weather combines to make the state average homeowners insurance somewhat expensive. Other factors homeowners insurance companies look at, including the cost of the rebuild and the location of the home. You are missing out on quality insurance protection for your home if you elect to go without one. The cheapest city for homeowners insurance in West Virginia is Martinsburg with an average homeowners insurance of $1,116, which is 21 per cent less than the state average. The costliest city for homeowners insurance in West Virginia is Huntington with a yearly average rate of $1,495, which is 6 per cent more expensive than the state average. In the Mountaineer State, the average annual price of homeowners insurance is $1,416, a few dollars off the national average of $1,441. The average monthly price of homeowners insurance in West Virginia is $118. The percentage of homeowners occupied units spending 30% or more on rent and utilities in West Virginia is 39.6%, ranking it as the 44th state with the lowest rate.