Lamar Car Insurance Review {2023}
Lamar Insurance is an independent agency located in West Virginia. The company helps drivers find affordable quotes that meet their coverage needs. If you live outside of West Virginia, you won't be able to use Lamar Insurance's services.
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Chris Harrigan
Former Auto Insurance Claims Manager
Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.
Former Auto Insurance Claims Manager
UPDATED: Jun 29, 2022
It’s all about you. We want to help you make the right car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 29, 2022
It’s all about you. We want to help you make the right car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Lamar Insurance is an independent insurance agency
- Lamar Insurance can help drivers find SR-22 insurance
- Only West Virginia drivers can use Lamar Insurance’s services
Drivers are required to have car insurance in almost every state, but with so many insurance companies flooding the market, it can be difficult to find the right policy for your needs.
Luckily, West Virginia drivers who are in need of SR-22 insurance, class car coverage, or standard insurance can contact the Lamar Insurance company. A local company that only provides West Virginia car insurance, Lamar Insurance can easily be your one-stop shop for all your insurance needs.
Keep reading this Lamar Insurance review to learn more about this local company, the insurance products it offers, and how you can lower your rates.
What is Lamar Insurance?
Founded in 2001, Lamar Insurance is an independent insurance agency that services the populous of West Virginia. Since Lamar Insurance representatives aren’t captive agents, this company can scour the insurance marketplace to get you quotes that fit your specifications. Lamar Insurance can help you get car insurance quotes from insurance companies like:
- AAA
- Dairyland
- Farmers & Mechanics Mutual Insurance Company
- Foremost
- MetLife
- National General Insurance
- Progressive Insurance
- Safeco Insurance
- State Auto Insurance Companies
- The Hartford
Another winning feature is the Lamar Insurance website. Simple in design, this company’s website is effective, clear-cut, and incredibly user-friendly for older and younger drivers. For example, although you can’t file a claim online with Lamar Insurance, you can use the Lamar Insurance claims tool to find the correct claims department phone number for your policy.
You can even use the Lamar Insurance payment tool to find exactly where you need to go to pay for your policy and keep it in good standing.
Lamar Insurance doesn’t have a Better Business Bureau rating, but Lamar Insurance reviews on Google award this company 4.7/5 stars. The Lamar Insurance phone number is 304-368-1323, and its office is located at 51 Middletown Rd., Suite 101, White Hall in West Virginia.
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Does Lamar Insurance offer good car insurance coverage?
Since Lamar Insurance representatives will look for coverage options that you request, you can expect to have these coverage types available to you:
| Type of Coverage | Required or Optional |
|---|---|
| Liability | Required |
| Collision | Owned Vehicle: Optional Leased or Financed Vehicle: Required |
| Comprehensive | Owned Vehicle: Optional Leased or Financed Vehicle: Required |
| Personal Injury Protection (PIP) | Required in some states with "no fault" laws |
| Medical Payments (MedPay) | Required in some states with "no fault" laws |
| Uninsured/Underinsured Motorist Coverage | Required in many states |
| Guaranteed Auto Protection (GAP) | Optional |
| Personal Umbrella Policy (PUP) | Optional |
| Rental Reimbursement | Optional |
| Emergency Roadside Assistance | Optional |
| Mechanical Breakdown Insurance | Optional |
| Non-Owner Car Insurance | Optional |
| Modified Car Insurance Coverage | Optional |
| Windshield Coverage | Optional |
If you are looking for more extravagant car insurance options, you can leave a detailed note in the Lamar Insurance online quote tool specifying what types of insurance coverage are necessary to protect your vehicle. It is important to note that since Lamar Insurance works closely with The Hartford, you could potentially even purchase classic car insurance through Lamar Insurance.
Drivers who are in need of SR-22 insurance can also turn to Lamar Insurance for assistance in finding a company that provides this coverage. Lamar Insurance makes car insurance accessible to more drivers by offering assistance in this area.
Does Lamar Insurance offer competitive rates?
Sample rates are one of the few pieces of information not listed on the Lamar Insurance website. You’ll need to get a quote from the company to learn how much you may pay for your coverage, but you should be aware that many factors feed into your rate calculation. These factors can include your age, car type, credit score, and address.
Now, if you live outside of West Virginia, you can use the chart below to find the average car insurance rates by state:
| State | Average Annual Car Insurance Rates | Average Monthly Car Insurance Rates |
|---|---|---|
| Alabama | $837.09 | $69.76 |
| Alaska | $1,050.09 | $87.51 |
| Arizona | $900.18 | $75.02 |
| Arkansas | $951.75 | $79.31 |
| California | $939.52 | $78.29 |
| Colorado | $1,132.78 | $94.40 |
| Connecticut | $981.77 | $81.81 |
| Countrywide | $1,215.69 | $101.31 |
| Delaware | $1,324.39 | $110.37 |
| District of Columbia | $1,208.77 | $100.73 |
| Florida | $991.25 | $82.60 |
| Georgia | $858.16 | $71.51 |
| Hawaii | $673.13 | $56.09 |
| Idaho | $854.10 | $71.18 |
| Illinois | $728.93 | $60.74 |
| Indiana | $683.67 | $56.97 |
| Iowa | $850.79 | $71 |
| Kansas | $917.49 | $76.46 |
| Kentucky | $1,364.17 | $113.68 |
| Louisiana | $689.12 | $57.43 |
| Maine | $1,096.37 | $91.36 |
| Maryland | $1,107.76 | $92.31 |
| Massachusetts | $689.12 | $57.43 |
| Michigan | $1,264.20 | $105.35 |
| Minnesota | $856.62 | $71.39 |
| Mississippi | $957.59 | $79.80 |
| Missouri | $845.39 | $70.45 |
| Montana | $868.55 | $72.38 |
| Nebraska | $805.99 | $67.17 |
| Nevada | $1,083.42 | $90.29 |
| New Hampshire | $795.50 | $66.29 |
| New Jersey | $1,379.20 | $114.93 |
| New Mexico | $920.42 | $76.70 |
| New York | $1,327.82 | $110.65 |
| North Carolina | $768.28 | $64.02 |
| North Dakota | $768.09 | $64.01 |
| Ohio | $766.66 | $63.89 |
| Oklahoma | $985.58 | $82.13 |
| Oregon | $894.10 | $74.51 |
| Pennsylvania | $950.42 | $79.20 |
| Rhode Island | $1,257.40 | $104.78 |
| South Carolina | $936.69 | $78.06 |
| South Dakota | $744.28 | $62.02 |
| Tennessee | $855.56 | $71.30 |
| Texas | $1,066.20 | $88.85 |
| Utah | $852.66 | $71.06 |
| Vermont | $746.79 | $62.23 |
| Virginia | $836.14 | $69.68 |
| Washington | $952.10 | $79.34 |
| West Virginia | $1,032.45 | $86.04 |
| Wisconsin | $716.83 | $59.74 |
| Wyoming | $844.33 | $70.36 |
If the rates in your state look high, remember that your rates could be very different from those shown above. You can even take steps to reduce your insurance rates by practicing safe driving techniques like leaving adequate space between you and a car in front of you or by keeping your cell phone out of sight while driving. While being a defensive driver may not eliminate the risk of getting into an accident, it will reduce your chances of being involved in one.
Limiting the number of accidents on your record shows insurance companies that you are a low-risk driver and can earn you a lower rate over time.
What other products does Lamar Insurance offer?
West Virginia residents who have a lot of insurance needs can turn to Lamar Insurance, as the company offers these insurance products alongside standard car insurance:
- Home insurance
- Classic car insurance
- ATV insurance
- Condo insurance
- Earthquake insurance
- Flood insurance
- Identity theft coverage
- Personal umbrella coverage
- RV insurance
- Renters insurance
- Snowmobile insurance
With Lamar Insurance, you won’t have to go digging for quotes yourself, which is an incredible time-saver. But, of course, if you live beyond West Virginia’s borders, you can always shop online for a great insurance company as long as you have your smartphone or personal computer handy.
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What You Need to Know About Lamar Insurance
Lamar Insurance can help drivers save time and money by sifting through the insurance market to find quotes that fit not only their coverage needs but their budget as well. In addition to this service, this West Virginia company offers a user-friendly website that connects drivers directly with the company that supplies their policy.
Lamar Insurance can also help drivers find other insurance products like snowmobile insurance, renter’s insurance, and more.
Unfortunately, if you live outside West Virginia you won’t be able to use Lamar Insurance’s services. You can, however, shop online to find the perfect insurance policy for your needs.
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
Chris Harrigan
Former Auto Insurance Claims Manager
Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.
Former Auto Insurance Claims Manager
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.