Car Insurance in West Virginia

Compare Auto Insurance in West Virginia

West Virginia Auto Insurance Minimums

  • $20,000 bodily injury for one person
  • $40,000 per accident
  • $10,000 property damage
  • Click here for more auto insurance minimums in Virginia.

West Virginia DUI Laws

  • DUI is considered a BAC of 0.08%
  • DUI for commercial drivers is a BAC of 0.04%; minors 0.02%
  • Click here for more DUI laws in West Virginia.

West Virginia SR-22 Auto Insurance Requirements

  • SR-22 may be required for a number of reasons.
  • An SR-22 is typically required to reinstate a suspended license.
  • Click here for all SR-22 requirements in West Virginia.

West Virginia Hands-Free Laws

  • West Virginia does not have an official cell-phone law.
  • West Virginia Senate Bill 412 prohibits drivers under 18 from using a cell phone while operating a motor vehicle.
  • Click here for Hands-Free laws in West Virginia.

West Virginia Teen Auto Insurance

  • West Virginia utilizes a Graduated Driver Licensing (GDL) system for teen drivers.
  • West Virginia teens must be at least 15 years of age to obtain a level 1 permit.
  • Click here to learn all you need to know about West Virginia teen driver laws.

By law, every West Virginia motorist must purchase and maintain liability coverage. This coverage is applicable when you are held responsible for an auto accident which results in injury to a person or persons. It provides funds for accident-related medical expenses, pain and suffering, and lost wages. The following are the minimum amounts required by the State of West Virginia:

  • $20,000 total for bodily injury coverage, per person
  • $40,000 total for bodily injury coverage, per accident
  • $10,000 total for property damage, per accident

Under West Virginia law, all drivers must also carry Uninsured/Underinsured Motorist coverage. This covers your own bodily injuries if you are the victim of a hit-and-run or are hit by a driver who is at fault but has no insurance or not enough coverage to pay for damages. The minimum coverage amounts are:

  • $20,000 total for bodily injury coverage, per person
  • $40,000 total for bodily injury coverage, per accident
  • $10,000 total for property damage, per accident

In simple terms, your insurance policy is a contract between you and your insurance company. You agree to pay the premium and the insurance company agrees to pay for losses and/or damages in the event of an accident. It’s important to remember when drawing up your personal policy that most states only require minimum coverage amounts. Most insurance experts agree that you should base your deductibles and types of coverage on your personal needs and circumstances.

Your auto insurance agent is a knowledgeable and trusted source for information regarding your state’s minimum requirements. Your agent can also offer sound and practical advice when it comes to selecting other types of auto insurance coverage to protect yourself financially. These may include Collision Coverage or Comprehensive Coverage, for example.

For any other concerns or questions, please contact:

West Virginia Offices of the Insurance Commissioner

1124 Smith Street
Charleston, WV 25301
(304) 558-3386

West Virginia Car Insurance Agents

If you live in West Virginia and are searching for an auto insurance agent to assist you with your insurance needs, you are in the right place.

West Virginia Auto Insurance agents are fully qualified professionals whose job is to make buying auto insurance easy and enjoyable for their customers. They are also able to compare coverage and prices from many different sources- including most of the leading, well-respected insurance companies in the country. This allows them to formulate the right auto insurance policy for each individual client in terms of coverage and cost.

By asking the right questions about your personal needs and circumstances with regards to insurance and listening carefully to your answers, a good agent can put together a comprehensive auto insurance policy which protects you and your property, as well as your assets. You can rely on your agent to stand by you when you have a claim and to always make sure your policy is up-to-date and continues to meet the needs of your changing lifestyle.

If are interested in getting a quote from a qualified agent, use our Agent Locator to find an extensive list of agents in your local area. Any one of these professional agents will work hard to make sure you get the best auto insurance policy available that meets both your needs and budget.

Tips to saving money on your insurance premiums

  • Bundle your insurance policies. Purchasing life, home, auto and other insurance policies from one company can sometimes earn you up to 10% or more off the total cost of your premiums.
  • If you have a teenage driver in the family, ask about a good student discount.
  • Drive carefully. A clean driving record can add up to big savings when buying insurance.
  • Shop around and compare prices from different companies.
  • Raise your deductible. Remember, the higher your deductible, the lower the cost.
  • Improve your credit score. Many insurance companies use your credit score to determine the amount of your premium. Check your credit score before applying for insurance to make sure it is accurate and up-to-date.

Knowing the discounts that are available can add up to big savings when putting together an auto insurance policy. When you also work with a skilled agent, you can be confident that you are getting coverage which protects both you and your assets at a price you can afford.

While most West Virginians are frugal consumers and know how to manage their money, they can still save more money auto insurance. Just because the law requires you carry West Virginia auto insurance, doesn’t necessarily mean you have to spend a fortune. Best of all, even if you don’t have a pristine driving record, you can still find a policy that works for you. By making informed insurance decisions, you can save a significant time and money. offers information on the lowest Idaho auto insurance rates for the entire state.