When you live or work in the Hudson Valley, you want insurance that fits your life-without the runaround. That's where we come in. From renters & homeowners to contractors & small businesses, we help you protect what matters most with affordable, reliable insurance solutions you can count on year after year.

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Personal Insurance

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Commercial Insurance

Insurance Made Simple

Service Made Better with Quad State Insurance Agency

At Quad State Insurance, protecting what matters most is simple and stress-free. As a local independent insurance agency in Martinsburg and Kingwood, WV, we help families, farmers, and small businesses find affordable coverage. From auto and home insurance to farm and business liability insurance in West Virginia, our team ensures you get the right protection at the right price.

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Your Local Independent Insurance Agency in West Virginia and Surrounding States

Unlike captive agencies tied to one company, we’re independent — meaning we shop multiple top-rated carriers to find the best coverage and value. Our agents live and work right here in Martinsburg and Kingwood, so when you call us, you’ll talk to a neighbor, not a call center.


As a local independent insurance agency in Martinsburg and Kingwood, WV, we help families, farmers, and small businesses find affordable, reliable insurance coverage tailored to their needs. Our team will make sure you get the right coverage at the right price.

What We Offer

Our Insurance Options

We provide personalized insurance coverage for individuals, families, farms, and businesses across West Virginia.

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Auto Insurance

We’ll help you compare auto insurance quotes in West Virginia and surrounding areas for cars, trucks, motorcycles, RVs, and boats.

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Home Insurance

Protect your primary residence, rental, condo, or seasonal home with affordable coverage, including flood insurance in WV.

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Our Trusted Carriers

We partner with respected companies like Progressive, GEICO, and Farmers & Mechanics Mutual of WV. With Quad State Insurance, you get the strength of national carriers backed by the personal service of a local agency in WV and surrounding states.

The Quad State Insurance Difference

Why Choose Quad State Insurance?

We Know West Virginia Life

From flood risks in Berkeley County to farm exposures in Preston County, we understand your coverage needs.

Real Local Help, Not 1-800 Call Centers

When you call, you’ll speak directly with a agent who knows your community.

Independent Means More Options

We shop multiple carriers for better pricing and coverage flexibility.

Trusted by Your Neighbors

Most of our new clients come through referrals. Families and small businesses across WV trust Quad State Insurance.

What Our Clients Say

"Great, Personalized service from a local company with competitive rates.  Brady Hamilton was great to work with."

– Chris H.

"Brady helped me out on home owners insurance on an extremely quick turn for our 2nd property. It’s in a rural area and he was able to find a solid option for us that covered what we needed, $40 (/ month) from what we had budgeted. Extremely professional and responsive. Thanks Brady!"

– Alyssa W.

"Brady Hamilton was amazing to work with! Not only was he polite but was quick and had my insurance coverage in minutes! Definitely will work with him again!"

– Theresa N.

"Mr. Hamilton was amazing to work with. Very knowledgeable, personable, and patient. He was able to find us an affordable policy we needed to purchase our new home."

- Glendy R.

Company

"Great experience overall. Yasmyn went the extra mile to ensure my auto and home insurance needs were covered. She is a treasure and saved me a bundle of cash too."

- Chris K.

Company

"Brady Hamilton was a pleasure to work with!! He was prompt and thorough!! He made it any easy way to bundle my home and car insurance together!! Highly recommend him!!! GREAT JOB BRADY!!!"

- Lesley P.

Company

Frequently Asked Questions

  • Do you offer bundle discounts?

    Yes. Bundle home and auto insurance in WV—or add farm and umbrella coverage—to save money and simplify your policies. Contact us to learn how we can help you find coverage that fits your needs and budget.

  • Is auto insurance required in West Virginia?

    Yes. State law requires minimum liability limits of 25/50/25. Our Martinsburg agents help drivers go beyond the minimum with affordable, full-coverage auto insurance in WV.

  • Can Quad State help with business and contractor insurance?

    Absolutely. We specialize in contractors insurance and small business insurance in WV, including general liability, bonds, and workers’ comp.

  • How do I file a claim?

    You can call us directly or file through your carrier. Our Martinsburg and Kingwood insurance teams guide you step by step.

Quad State Insurance Service Areas

Looking for “insurance near me” in West Virginia? Quad State Insurance proudly serves individuals, families, farmers, and businesses across the state, with offices in Martinsburg and Kingwood. Our primary service areas include:

Insurance Tips, Local Insights & More

Auto Insurance in West Virginia: What Every Martinsburg Driver Should Know

Home Insurance in West Virginia: How to Protect Your Home from Local Risks

Farm Insurance in West Virginia: Protecting the Heart of Our Communities
Auto Insurance in West Virginia: What Every Martinsburg Driver Should Know

Auto Insurance in West Virginia: What Every Martinsburg Driver Should Know

Read more
Home Insurance in West Virginia: How to Protect Your Home from Local Risks

Home Insurance in West Virginia: How to Protect Your Home from Local Risks

Read more
Farm Insurance in West Virginia: Protecting the Heart of Our Communities

Farm Insurance in West Virginia: Protecting the Heart of Our Communities

Read more
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Protect What Matters Today

From your car and home to your farm and business, Quad State Insurance is here to help. As a trusted insurance agency serving Martinsburg, Kingwood, Morgantown, and communities across West Virginia, we’ll find the coverage that gives you confidence and peace of mind.