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West Virginia’s minimum car insurance coverage requirements

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?


What are the minimum limits for West Virginia? 

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



Dairyland® coverage in West Virginia

At Dairyland, 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 Dairyland offers in West Virginia?

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



What liability coverages are required to be offered in West Virginia? Can a customer reject them?

Bodily Injury, Property Damage, Uninsured Motorist Bodily Injury, and Uninsured Motorist Property Damage must be offered and can’t be rejected. Underinsured Motorist Bodily Injury and Underinsured Motorist Property Damage must be offered, and they can be rejected.

What are all the coverages Dairyland offers in West Virginia?

  • Bodily Injury
  • Property Damage
  • Uninsured Motorist Bodily Injury/Uninsured Motorist Property Damage
  • Underinsured Motorist Bodily Injury/Underinsured Motorist Property Damage
  • Medical Payments
  • Collision
  • Comprehensive
  • Lienholder Deductible
  • Special Equipment
  • Rental Reimbursement
  • Roadside Assistance
  • Car loan protection

What’s the oldest a vehicle can be to get Dairyland’s 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, an insurance score is used for rating in West Virginia, but it’s not mandatory.

What policy terms does Dairyland offer in West Virginia? 

6 months and 12 months

What is Dairyland’s minimum down payment option in West Virginia?


Are SR22s used in West Virginia?  If so, is there a fee assessed by Dairyland? Is it filed electronically?

SR22s aren’t used in West Virginia.

What discounts are available from Dairyland in West Virginia?

  • Multi-car
  • Homeowners (home, townhouse, condo, mobile home, or renter’s insurance)
  • Paid in full
  • Advanced quote
  • Prior insurance (transfer)
  • Association
  • Defensive driver course
  • Quarterly

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