Auto Insurance in Martinsburg, WV – Quad State Insurance

Comprehensive Auto Insurance in Martinsburg, WV – Coverage for Peace of Mind

At Quad State Insurance, we know every driver’s needs are different. Whether you commute daily on I-81 through Martinsburg, drive rural roads in Berkeley or Preston County, or need extra protection for a new driver, we’ll help you find the right auto policy at the right price.



As your local independent agency, we shop multiple carriers to get you affordable coverage with confidence. At Quad State Insurance, we call it Insurance Made Simple. Service Made Better.

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Why Auto Insurance Matters

Auto insurance isn’t just a legal requirement in West Virginia — it’s essential financial protection. From busy downtown Martinsburg streets to winding roads near Kingwood and Morgantown, having the right coverage means you’re safeguarded against:


  • Accidents and collision repair costs
  • Liability claims from injuries or property damage
  • Medical expenses after an accident
  • Uninsured and underinsured drivers on WV roads

What Our Auto Insurance Covers

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Liability Coverage

Covers injury or property damage if you’re at fault in an accident.

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Collision Coverage

Collision Coverage

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Comprehensive Coverage

Protection against theft, fire, storm damage, vandalism, or hitting a deer — a common risk in West Virginia.

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Medical Payments

Helps cover medical expenses for you and your passengers.

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Uninsured/Underinsured Motorist Protection

Coverage if you’re hit by a driver with little or no insurance.

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Emergency Roadside Assistance

Roadside assistance through your carrier ensures help is available when you need it most.

Our customizable auto insurance policies in Martinsburg, WV include:

Customize Your Coverage

 We make it easy to enhance your auto policy with add-ons like:



  • Rental Reimbursement Insurance – Stay mobile while your car is being repaired.

  • Gap Insurance in WV – Protects you if your car is totaled and you owe more than it’s worth.

  • Extended Liability Protection – Extra coverage for high-value claims.

  • Roadside Assistance in WV – Fast help for lockouts, breakdowns, or running out of gas.

Who Needs Auto Insurance in Martinsburg, WV?

Every driver in West Virginia must carry minimum liability insurance. But in reality, that often isn’t enough. Our agents help:


  • Families protecting teen drivers and multiple vehicles

  • Commuters navigating I-81 and US-11 daily

  • Students at Shepherd University needing affordable coverage

  • Small business owners and contractors who rely on work vehicles

  • Farmers who need combined farm and auto insurance in West Virginia

From icy winter roads to high-traffic accident zones, we know the risks West Virginia drivers face — and we’ll help you stay covered.

Local Risks to Consider:
  • Heavy traffic and accident zones along I-81 and US-11.

  • Deer collisions on rural roads in Berkeley and Preston Counties.

  • Winter weather hazards like snow, black ice, and freezing rain.

FAQs – Home Insurance in Martinsburg, WV

  • Is auto insurance required in West Virginia?

    Yes. WV law requires minimum liability coverage of 25/50/25. We recommend additional coverage for better protection.

  • Can I bundle home and auto insurance?

    Yes. You can save money and simplify your policies by choosing a home and auto insurance bundle in Martinsburg, WV.

  • Do you cover motorcycles, RVs, and boats?

    Absolutely. We provide motorcycle insurance in WV, RV insurance in Martinsburg, and boat insurance in Berkeley County, WV.


  • How can I get the best auto insurance rate?

    As an independent agency, we compare multiple carriers to get you the best value for your needs and budget.


  • Do you offer farm and auto insurance together in WV?

    Yes. Many West Virginia farmers combine their farm insurance and auto insurance policies for convenience and savings.

Why Choose Quad State Insurance for Auto Insurance in WV and surrounding areas

 At Quad State Insurance, we go beyond selling policies — we build long-term relationships.

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Local Knowledge – We know the roads, risks, and driving conditions unique to West Virginia.

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Independent Advantage – More carriers mean more choices and better pricing.

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Personal Service  – Call and talk directly with an agent in Martinsburg or Kingwood — no call centers.

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Trusted Choice® Member  – Recognized for client-first integrity and service.

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Protect Your CAR with Confidence

Get the Right Auto Insurance

Protect your vehicle, your family, and your peace of mind with Quad State Insurance. Our local agents will help you compare auto insurance quotes in Martinsburg, WV and beyond — so you get coverage that truly fits your life.