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West-Virginia

West Virginia Car Insurance Rates


Car insurance in hilly, beautiful West Virginia can be among the most expensive in the country. Insurance rates in coal country, in West Virginia's southwest corner, often are nearly double those paid by an identical driver in another part of the state. You'll find state car insurance rates for every ZIP code mapped below.

West Virginia car insurance requirements

West Virginia state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $20,000/$40,000
Minimum property damage liability $10,000
Uninsured motorist bodily injury $20,000/$40,000
Uninsured motorist property damage $10,000

West Virginia Car Insurance Rates by ZIP Code & City

To learn more about the most and least expensive cities for car insurance, click the link below.
Top Cities
Car insurance rate comparison >
Priciest Neighborhoods
In West Virginia
  • 25688: $2,189
    NORTH MATEWAN
  • 25696: $2,189
    VARNEY
  • 25678: $2,189
    MAGNOLIA
  • 25692: $2,189
    RED JACKET
 
Cheapest Neighborhoods
In West Virginia
  • 25427: $1,470
    HEDGESVILLE
  • 25401: $1,479
    ARDEN
  • 25404: $1,479
    MARTINSBURG
  • 25420: $1,479
    GERRARDSTOWN


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What you need to know about car insurance in West Virginia

Penny Gusner
CarInsurance.com
Consumer Analyst

West Virginia mandates that motorists buy $20,000 worth of bodily injury liability coverage (up to $40,000 per accident) and $10,000 worth of property damage liability coverage as well.

Those minimum limits are low compared with other states, perhaps not enough to protect a driver who owns a home or has other assets. Even a minor accident involving a newer car can cost more than $10,000 to fix or exceed $20,000 in medical bills.

The state also requires drivers to buy uninsured motorist coverage for both bodily injury and property damage. About 11 percent of West Virginia drivers are uninsured, according to the Insurance Research Council.

Watch out during deer season: Your odds of hitting a deer are higher in West Virginia than in any other state: 1 in 39, according to data gathered by State Farm. The damage isn't covered unless you buy comprehensive coverage.

Riding shotgun: Among the offenses that can add two points to your West Virginia driver's license: having more than three passengers in the front seat.

Defensive-driving classes: Drivers can remove three points from their motor vehicle records by taking a state-approved defensive-driving class, but only once every two years. Suspensions begin when 12 or more points have accumulated; points drop off after two years but notices of the conviction remain for five.