West Virginia Car Insurance - Auto Insurance Quote in WV
CarInsurance.com provides the most dependable coverage in West Virginia, a state with many scenic routes, including the 45-mile Canaan Valley Loop. This scenic highway in the Monongahela National Forest takes motorists through the wetlands and mountains of picturesque Canaan Valley.
| Current average car insurance premium in West Virginia | $0.00 |
| Current average car insurance premium U.S. | $1,602.16 |
| Charleston | $1,798.95 |
| Huntington | $1,747.04 |
| Check out our car insurance rates in more West Virginia cities | |
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Unfortunately, drivers in West Virginia have typically paid above-average rates for car insurance. But rates also fluctuate on a monthly basis; to get an idea of how they're trending in West Virginia, take a look at CarInsurance.com's Average Premium Trend Tool.
West Virginia residents have many of the most respected insurance companies to choose from at CarInsurance.com. Where to begin? Let's lay out the legal requirements for driving in West Virginia.
West Virginia state law requires minimum Bodily Injury Liability limits of $20,000 per injured person up to a total of $40,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 20/40/10 coverage with 20/40 UM limits.
Minimum Required Insurance Coverage in West Virginia
Bodily Injury Liability: $20,000/$40,000 Limit
Property Damage Liability: $10,000 Limit
Uninsured Motorist Bodily Injury: $20,000/$40,000 Limit
Uninsured Motorist Property Damage: $10,000 Limit
The state of West Virginia follows a Tort system, meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.
To help protect against damages caused to you and your passengers by an uninsured driver, West Virginia state law requires a minimum Uninsured/Underinsured Motorist coverage of $20,000 per person up to a total of $40,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.
Do you only need a policy that meets the legal requirements in West Virginia? If so, then CarInsurance.com's Minimum State Required package is for you -- it's the basic coverage you must have. Or you can go for a more comprehensive policy for fuller protection.
The next step? Explore CarInsurance.com to learn what the many insurance carriers have to offer and at what price. Get a quick quote by typing your ZIP code in the quote box (or visit our auto insurance quote page). We guarantee that you're in the best hands for West Virginia coverage.
Is your car a favorite target of West Virginia’s car thieves? If so, expect to pay higher insurance rates.
