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- Auto Insurance by State
- West Virginia Car Insurance
West Virginia car insurance
Common questions about West Virginia
auto insurance
What car insurance is required in West Virginia?
In West Virginia, it's illegal to drive without insurance. Drivers in West Virginia are required to have car insurance coverage for
- Bodily Injury to others
- Property Damage Liability
- Uninsured Motorist Bodily Injury
- Uninsured Motorist Property Damage
Here are the minimum auto insurance limits drivers must have in West Virginia.2
Coverage | Amount |
|---|---|
| Bodily Injury to Others | $25,000 per person and $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
| Uninsured Motorist Bodily Injury | $25,000 per person and $50,000 per accident |
| Uninsured Motorist Property Damage | $25,000 per accident |
For more information, check out West Virginia Division of Motor Vehicles.
What's considered "full coverage" car insurance in West Virginia?
"Full coverage" car insurance can mean different things to different people. Legally, in the state of West Virginia you're only required to have the state Liability minimums of 30/60/25.
However, "full car coverage" or "full coverage" is often thought of as having the state minimums and
- Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
- Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car
For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.
We'll make sure you get the coverage you need in West Virginia when you get an online auto insurance quote.
What liability insurance is required in West Virginia?
West Virginia law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It's important to know this coverage doesn't cover you, your car, or your personal belongings.
Drivers must have a car insurance policy with the minimum coverages of
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident
- Uninsured Motorist Property Damage: $25,000 per accident
You may see this written as 25/50/25.
Remember, this is only the minimum Liability Coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.
Is West Virginia a no-fault insurance state?
No, West Virginia is not a no-fault insurance state. This means a driver that causes an accident is also responsible for paying for the damage.
Although many drivers have insurance to help cover these costs, some don't. These drivers can be either underinsured or uninsured. Due to this, West Virginia drivers may want to consider additional coverages
These coverages can help cover you if you're in an accident with an underinsured or uninsured driver. While these are optional coverages, it's recommended to have them. In West Virginia, drivers must opt out of these coverages in writing when buying a car insurance policy.
What's the average cost of car insurance in West Virginia?
The average cost of car insurance in West Virginia was $1,4983 in 2021 according to thezebra.com. That's 2% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.
Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on West Virginia auto insurance with a customized policy, so you only pay for what you need.
What's the best car insurance in West Virginia?
Liberty Mutual knows that everyone has different needs for their West Virginia auto insurance. Some may want the cheapest West Virginia car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your West Virginia car insurance, so you only pay for what you need.
Who has the cheapest car insurance in West Virginia?
Getting the cheapest car insurance in West Virginia may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.
A Liberty Mutual auto insurance policy can cost less than you think.4
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate
Save money with these auto insurance discounts
Great drivers are made, not born. You'll get a discount if your driving history is violation-free.6
Learn more about SavingsThe more cars you insure with Liberty Mutual, the more you can save on your premium.6
Learn about Multi-Car Discounts and moreInstantly receive a 10% discount when you enroll. Complete the program and you could save up to 30% on your policy for safe driving behavior.7
Save with our safe driver program