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

Bodily Injury Requirements in West Virginia

When purchasing car insurance in West Virginia, certain limits are mandatory. Bodily injury liability is one of them and extremely vital. 

This coverage will help pay for the other driver's injuries should you be at fault for an accident. In West Virginia, bodily injury liability is required at the minimum limits of $25,000 per person and $50,000 per accident. 

Property Damage Requirements in West Virginia

Property damage liability is mandatory in some states and helps pay for damage you caused due to an at-fault accident. This limit will keep your pocketbook protected in the event of a major loss. 

In West Virginia, you must carry a minimum of $25,000 in property damage liability. Some insureds opt for higher limits in order to be sufficiently covered when an accident arises. 

Medical Payments Coverage Requirements in West Virginia

Some states require that drivers carry a coverage called personal injury protection, or PIP, under their auto policy. This limit will pay for your medical expenses when injured due to an at-fault accident. 

West Virginia does not mandate PIP, but if you want protection in a similar manner, consider obtaining medical payments coverage. Without this limit, you will be responsible for any hospital bills on your own. 

Uninsured Motorist Coverage in West Virginia

Uninsured motorist coverage helps victims who are struck by an uninsured driver pay for damage and injuries they sustain. This is a required coverage in some states, and it is necessary in all states. 

West Virginia requires all drivers to carry uninsured motorist coverage for proper protection. Unfortunately, not everyone follows the rules, leaving 10.1% of all West Virginia drivers uninsured. 

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Optional Car Coverage in West Virginia

Collision insurance and comprehensive insurance  are considered "full coverage" and one of the many optional limits under your West Virginia auto policy. These coverages help pay for damage to your personal vehicles. 

Like most states, West Virginia car insurance comes standard with the minimum liability limits only. That means if you want protection for your cars and other property, you'll need to add it for an extra premium.

Car Insurance Discounts to Consider in West Virginia

Discounts on car insurance can be applied when you know what's available. In West Virginia, the most common way to cut costs from the get-go is through a multiple policy discount when you get more than one policy with a carrier. 

This one discount alone will save you 30% or more on your overall coverage. Another way to save is just by being loyal to the same carrier for a period of time. And if you're part of an association like a teachers union or government agency, you can lower your premiums even more. 

How to File a Car Insurance Claim in West Virginia

When you're in the middle of an accident, things can get overwhelming, fast. To help stay focused, follow these four easy steps for filing a car insurance claim in West Virginia

First, get to a safe spot and seek necessary medical attention. Second, call your independent insurance agent to report the accident and obtain a claims number. Third, always get pictures and a police report so you have documentation. Last, contact your adjuster about setting up a rental vehicle and assessing the loss and payments.