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Car Insurance in West Virginia

In West Virginia, officials can easily verify your car insurance status by using an electronic online system, and violations of WV car insurance laws can lead to harsh penalties. Don't get caught off guard.

To fulfill West Virginia's mandatory auto insurance laws, you must have liability and uninsured motorist coverages.

Liability coverage will help cover the costs of injuries and property damage you may cause to someone else in a car accident.

Your liability car insurance must have the following minimums:

  • $25,000 for bodily injury, per person.
  • $50,000 for bodily injury, per accident.
  • $25,000 for property damage.

Uninsured motorist coverage will help pay for injuries and property damage you suffer in a car accident with a driver who does not have car insurance.

In West Virginia, your uninsured motorist coverage minimums are equal to the liability coverage minimums (see above).

While you must have at least the minimum requirement for uninsured motorist coverage, car insurance providers are required to offer you the maximum limits of uninsured motorist coverage of:

  • $100,000 for bodily injury, per person.
  • $300,000 for bodily injury, per accident.
  • $50,000 for property damage.

While WV car insurance laws require you to have both liability and uninsured motorist coverages, there are several optional coverage types that can help protect you financially.

Most West Virginia auto insurance companies offer the following types of optional coverage:

  • Collision – Helps pay for damages to your car that result from a traffic accident.
  • Comprehensive – Helps pay for damages to your car not occurring from car accidents, such as damages occurring from vandalism.
  • Medical payments.
  • Towing and labor.
  • Underinsured Motorist.

NOTE: While WV law does not require collision and comprehensive coverage, your loan or lease agreement may require you to purchase these coverage types.

Virginia Car Insurance Facts
Avg. Liability
$ 415.86
Avg. Comprehensive
$ 130.00
Avg. Collision
$ 263.54
Avg. Total Cost
$ 718.72
Min. Individual Liability
$ 25000
Min. All Persons Liability
$ 50000
Min. Property Liability
$ 20000
Required Insurance Type(s)
BI, PD, UM, UIM

How to Get Cheap Auto Insurance Quotes

Getting cheap car insurance rates is easier than you think. You will increase your chances of finding low premiums if you know what discounts you can qualify and how. An agent or online quote form will ask all the relevant questions to ensure you get the correct price for the coverage you requested. So, knowing these questions and why they are asked will help you understand policies and prices better.

Below, we will discuss the questions asked when getting quotations and why. Your answers on quote forms form the basis of your coverage if you accept it. Correct and detailed information will allow insurers to offer you accurate and the best price. Most of the questions will be necessary to find out about you, your driving records, car and coverage requirements. You should fill the forms to the best of your knowledge.

Getting Several Auto Insurance Quotes

Most quote forms will be similar to each other. There could be additional information or fewer details required. Some companies may offer express quote facilities as well that would give you a rough idea as to how much they would charge you. However, quotations given without a proper check may be subject to change following discovery of new information or discrepancies on the details provided.

Most of the above information would be required if you want to get an accurate premium quote. Brokers would require these details as well to be able to shop on your behalf. Remember that alternative car insurance quotes are essential part of finding the best deal policy. Finding and comparing your alternatives will help you in making a good policy and carrier selection as well as saving you money.