West Virginia Car Insurance

Car insurance laws in West Virginia require drivers to purchase adequate liability coverage prior to operating a motor vehicle. Liability insurance will pay for a portion of the medical and repair expenses of the other party involved in an accident if you are found to be at fault. In addition to having liability insurance, drivers in the state of West Virginia must also carry uninsured motorist coverage, according to the state Offices of the Insurance Commissioner. This type of coverage will help you pay for your own medical and vehicle repair expenses should you become involved in a collision where the at-fault party is underinsured or uninsured. Mandatory coverage amounts are as follows:

Required Coverages in West Virginia:

Liability Coverage:

  • Bodily Injury Liability Per Person: $20,000
  • Bodily Injury Liability Per Accident: $40,000
  • Property Damage Liability: $10,000

Uninsured Motorist Coverage:

  • Bodily Injury Coverage Per Person: $20,000
  • Bodily Injury Coverage Per Accident: $40,000
  • Property Damage Coverage: $10,000

The Offices of the Insurance Commissioner warns drivers that the West Virginia Department of Motor Vehicles conducts random checks on vehicles to make sure they are insured. If vehicles are uninsured, the driver’s license and license plates will be suspended. Driving without car insurance in West Virginia can also lead to fines and citations. Lapses in coverage will cause insurance premiums to rise as well.

Determining Your Rate in West Virginia

Auto insurance quotes in West Virginia are determined by taking into account a variety of factors. Insurance companies look at the driver, the vehicle, the way the driver uses the vehicle, and where the vehicle is located. They also examine driving records and credit reports prior to coming up with a rate, according to the Consumer’s Guide to Auto Insurance. For example, those with bad driving records — such as having multiple speeding tickets or a DWI/DUI — will face costlier insurance rates than those with good driving records.

The Insurance Information Institute reports that auto insurance in West Virginia costs drivers an average of $815, whereas the national average is $785. To keep your insurance rates low, check with your insurance company to see if you qualify for a discount. Discounts are typically given for good grades, good driving records, and installed safety features.