Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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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.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Mar 10, 2022

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Key Takeaways

  • 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 CoverageRequired 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 CoverageOptional
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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:

Average Yearly & Monthly Full Coverage Auto Insurance Rates by State
StateAverage Annual Car Insurance RatesAverage 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
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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.