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West Virginia Car Insurance

Driving through the mountains of West Virginia is beautiful, but the mountain roads can be dangerous. Winter snow fall can make the mountains even more treacherous, so having adequate car insurance is not only wise, but also required. It is important that all West Virginians carry at least the minimum liability coverage at all times. understands how time consuming it can be to search the Internet for low cost insurance policies from companies you can trust and that is why has partnered with reputable companies to help West Virginia residents find quality car insurance at prices they can afford.

West Virginia Car Insurance Requirements

West Virginia requires its residents to carry Uninsured motorist protection, because its neighbor to the east, Virginia, does not require its residents to carry liability insurance. Uninsured motorist protection will pay for damages to the insured’s vehicle and cover medical expenses in the event that the other driver does not have insurance or their coverage is not sufficient.

All West Virginians are also required to maintain a minimum amount of liability coverage to cover bodily injury and property damage in the event that the incident is found to be their fault. The minimum bodily injury liability and property damage liability for the state of West Virginia is 20/40/10. These three numbers indicate the maximum amount the insurance company will spend, in thousands, for damages before the at-fault party will be liable.

  • Bodily Injury Liability- The first two numbers represent the minimum amount of bodily injury liability coverage that must be maintained. The insurance company will cover up to $20,000 for the medical expenses of a single person with a maximum of $40,000 for all persons in the vehicle.
  • Property Damage Liability- The third number is the amount of property damage liability coverage each person must have. To cover the expenses to buildings, signs and the other person’s vehicle, the insurance company will cover a maximum of $10,000 if you obtain minimum coverage.

Though these are the required minimums, the state of West Virginia recommends that all residents obtain better than the minimum coverage as damages can easily exceed these amounts. It is also recommended that all drivers have Comprehensive and Collision coverage to pay for any damages to the insured’s vehicle in the event that they are found to be at fault or their vehicle is damaged by acts of nature or wildlife.

The average amount West Virginians pay for their car insurance premiums is on the decline. In fact, between the years of 2006 and 2007, the state of West Virginia saw the sixth highest decline in the country; down 9.4% from $2367 to $2163. Even though it is on the decline it is still far above the national average of $1896. Because of this, searches online to find our customers the lowest West Virginia car insurance quotes from our partner companies. All you have to do is enter your Zip code and answer a few general questions about your driving history to get multiple quotes so you can choose the best quote online from a company you know. And it all takes less than five minutes!

Car Insurance by State

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