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Cheap auto insurance in West Virginia

Illustration of Blackwater Falls State Park in West VirginiaIllustration of Blackwater Falls State Park in West Virginia


While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state. The following is a breakdown of minimum liability requirements for West Virginia:

Is it mandatory to have car insurance in West Virginia?

Yes

What are the minimum limits for West Virginia?

$25,000 bodily injury liability per person 
$50,000 bodily injury liability per accident 
$25,000 property damage liability per accident

—or—

25/50/25

Car insurance coverage in West Virginia

We’re proud to be able to help drivers in West Virginia meet their insurance needs. Here are some of the parameters of our insurance coverage in West Virginia:

What is the maximum bodily injury liability and property damage limit available in West Virginia?

$100,000 bodily injury liability per person
$300,000 bodily injury liability per accident
$100,000 property damage liability per accident

—or—

100/300/100

What coverages are required to be offered in West Virginia?

Bodily injury liability, property damage liability, uninsured motorist bodily injury, and uninsured motorist property damage must be offered and can’t be rejected. Underinsured motorist bodily injury and property damage must be offered, but they can be rejected.

What coverages are available in West Virginia?

  • Bodily injury liability

  • Property damage liability

  • Uninsured motorist bodily injury

  • Uninsured motorist property damage

  • Underinsured motorist bodily injury

  • Underinsured motorist property damage

  • Medical payments

  • Comprehensive

  • Collision

  • Lienholder deductible

  • Special equipment

  • Rental reimbursement

  • Roadside assistance

  • Car loan protection

What’s the oldest a vehicle can be to get comprehensive and collision coverage in West Virginia?

20 years

How far back does West Virginia go to look at violation history?

3 years

What additional policy types are offered in West Virginia?

Named non-owner.

Is an insurance score used in my rating in West Virginia? If so, is it mandatory?

Yes—insurance scores are used in West Virginia, but they aren’t mandatory

What policy terms are available in West Virginia?

6 and 12 months.

What is the minimum down payment option in West Virginia?

10% for 12-month terms

Are SR22s used in West Virginia? If so, is there a fee?

SR22s aren’t used in West Virginia.

What discounts are available in West Virginia?

  • Multi-car

  • Prior insurance (transfer)

  • Homeowners

  • Paid in full

  • Quarterly

  • Advanced quote

  • Association

  • Defensive driver course

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