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West Virginia


West Virginia Auto Insurance

West Virginia auto insurance laws are fairly straightforward. But you should still make sure you're getting the best policy for your premium.

This guide:

Explains West Virginia auto insurance laws and requirements

Describes how West Virginia car insurance rates are set

Shows you how to save money with multiple quotes

See How Much You Could Save:

Save $300-400 or more with discount rates from all major auto insurance carriers, as well as local companies in West Virginia.

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West Virginia car insurance laws

West Virginia is considered a tort state, which means that drivers bear financial responsibility for any damage and injury they cause in an accident. West Virginia auto insurance laws require liability insurance to help fulfill this responsibility.

West Virginia auto insurance laws require minimum liability limits of 20/40/10. (That's $20,000 per person for injuries you cause to the other party, up to $40,000 for all, and $10,000 for damage you cause to the other party's property.)

West Virginia auto insurance laws also require that you purchase uninsured motorist coverages of at least 20/40/10 ($20,000 for injuries per person, up to $40,000 total, and $10,000 in property damage). These policies help pay your expenses in case you should be struck by a driver with inadequate liability coverage.

However, these are only minimums, and carrying higher levels of both liability and uninsured motorist coverages is strongly recommended.

West Virginia auto insurance companies will also offer optional coverages such as medical payments, collision, comprehensive, and underinsured motorist coverages.

How West Virginia auto insurance rates are set

The price of West Virginia auto insurance is decided by the behavior of the state's drivers as a whole. West Virginia auto insurance companies take the cost of insuring West Virginia drivers (this includes what they pay out for injury and damage, legal and administrative fees, and the cost of prosecuting insurance fraud) and divide it up among the drivers.

But the cost isn't spread around evenly. Instead, West Virginia car insurance providers calculate how much a certain "category" of driver costs them, and decide premiums based on that. The "category" you're in is decided by your driving record, your age, where you live, and the kind of car you drive, among other things.

Of course, not all auto insurance providers use the same categories and calculations, so the same set of characteristics (yours!) will be seen very differently by different insurance companies. And they'll quote you different rates.

What this means for you, as an West Virginia driver, is that you need to shop around. It's the fastest easiest way to save on an West Virginia auto insurance policy.

Fortunately,shopping around is easy to do online.

Where you can get West Virginia auto insurance quotes.

The following web sites will help you find West Virginia car insurance quotes: (these links will open in a new window)

ComparisonMarket is the best online insurance shopping service, and the site to visit first when you're looking to save money on top-rated coverage.


Netquote is particularly useful if you want a local agent to contact you, to help with setting coverage limits, and provide other services.

Geico - a great service, especially for those who can't get insured elsewhere. Be sure to complete the entire quote form!

Get quotes using your ZIP Code! You'll find insurers who offer quotes tailored specifically to your area:

ZIP Code:

To help speed up the process, you may wish to have some of the information needed for an online quote ready before you begin.

More WV car insurance help

If you want more help designing your WV auto insurance policy, read our guide to setting safe and reasonable car insurance coverage levels. It contains a lot of money saving advice too.

To find out more about WV auto insurance laws and regulations, visit the state's official website of the West Virginia Insurance Commission.

Want to learn even more?

Take our quick auto insurance course, and learn the step-by-step to get the most out of your auto insurance policy for the least amount money.

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This wrebsite provides general information for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent auto insurance professional licensed in your state with respect to your particular situation.