West Virginia Car Insurance FAQ - Quick Answers

On average, West Virginia drivers pay about $1,716 a year for their car insurance coverage. This is significantly higher than the national average cost of $1,311 annually.  To get the best rates on your car insurance, shop around with multiple carriers through a trusted adviser. 

Your West Virginia car insurance policy will be unique to your needs. However, some of the most commonly chosen coverages are listed below:

  • Bodily injury liability: Pays for medical expenses of others
  • Property damage liability: Pays for property damage of others
  • Medical payments: Pays for your medical expenses
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist
  • Comprehensive: This covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft
  • Collision: This covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault

Every state has some requirements for car insurance, and in West Virginia you'll need these minimum limits in order to drive:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $25,000 in property damage liability
  • Uninsured motorist liability 

In West Virginia, 10.1% of all drivers on the road are without car insurance. Fortunately, you can obtain uninsured motorist coverage that pays for your loss when an uninsured driver is at fault for a collision.

The best car insurance company for your situation is out there. In West Virginia, Safeco, State Auto, and Progressive insurance companies are highly rated by insureds. This is due to their superior customer service and broad coverage selection.

Do You Know What Your Car Insurance Covers in West Virginia?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto theft rate / 1,000Annual insurance cost
Beckley18.31.91$1,612
Bluefield20.10.51$1,506
Charleston17.55.18$1,897
Clarksburg211.38$1,585
Fairmont211.68$1,615
Huntington184.14$1,777
Martinsburg25.50.86$1,663
Morgantown16.61.12$1,503
Parkersburg17.13.71$1,768
South Charleston16.21.78$1,573
St. Albans23.11.81$1,738
Vienna17.40.49$1,492
Wheeling18.80.78$1,517