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On average, West Virginia drivers pay about $1,716 a year (or $143 a month) for their car insurance coverage. This is significantly higher than the national average cost of $1,311 per year. Shopping around for the best price has the potential to save you hundreds of dollars a year.
As a vehicle owner in West Virginia, finding a competitively priced policy is easy when you work with a local independent insurance agent. These agents can obtain customized car insurance quotes from multiple insurance companies on your behalf. That way, you can be sure you are getting the coverage you need at an affordable rate.
Car insurance in West Virginia includes a mixture of mandatory and optional coverage. If you are involved in a collision, here are a few of the ways that your West Virginia auto insurance may be able to help.
You can also choose to include other coverage with your car insurance policy, including options such as:
West Virginia is what is known as an “at-fault” or “tort” state.
This means that the driver who caused the accident is responsible for covering the cost of damage as well as any necessary medical treatment.
Even though it is mandatory to have car insurance in West Virginia, an estimated one in ten drivers in this state is operating an uninsured vehicle. If caught, these drivers can face fines of $200 to $5,000, the suspension of their driver’s license, and even 15 days to one year in jail.
Uninsured motorist insurance, which is required in this state, is designed to pay for your vehicle repairs and medical expenses if you are in an accident and the at-fault driver is uninsured or underinsured. Your insurance company will then take on the responsibility of trying to collect the money owed from the at-fault driver, and will absorb the costs if unsuccessful.
There is no such thing as a car insurance company that is “best” for everyone.
The most ideal insurance company for one person might not be the most cost-effective choice for another. That is why independent insurance agents compare coverage and prices from a variety of top-rated insurance companies to find the policy that is best for you.
Yes! There are currently 109 independent insurance agents located throughout the state of West Virginia.
These experienced agents are ready to help you find the best car insurance policy to meet your coverage and budgetary needs. Find an independent insurance agent near you to get started.
National average time spent commuting 25.4 Min
National average car thefts per 1,000 2.94 Year
National average car insurance cost $1318 Year
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