West Virginia Car Insurance

Your 2017 Guide to Buying Car Insurance in West Virginia

Do you drive your car in The Mountain State? Are you planning on moving to beautiful West Virginia and wonder how much it will cost to insure your car there? Finding the best car insurance for your needs and budget can take a lot of time and effort. Thankfully, there are resources you can utilize to make that process easier.

A local Trusted Choice® agent can help determine your coverage needs and select several West Virginia auto insurance quotes from reputable insurers for you to compare. With one phone call, you’ll have the best insurance rates at your fingertips. Find an agent in your area and get started today.

West Virginia Car Insurance Costs

  • National average cost per year: $1,474
  • West Virginia average cost per year: $2,518
  • 2nd most expensive premium costs in the US

The most recent information available as of 2017 shows that West Virginia average premium costs are $2,518, which is substantially higher than the national average. Your actual quoted rate could be higher or lower than this average number. You will need to get a quote from a reputable insurer in order to get a clear idea of what you’ll be spending. Insurance companies take a look at many factors unique to you, including the car you drive, how often you drive it, and where you live.

Insurance professionals recommend that consumers collect several quotes before purchasing a West Virginia car insurance policy, as every insurance company will evaluate your profile differently and will offer a different premium.

West Virginia Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): not required
  • Uninsured motorist: required
  • Minimum liability limits: 25/40/10
    • Coverage up to $40,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $10,000 coverage for property damage.

The state requires resident vehicle owners to carry a minimum liability policy. There are major consequences for violating these laws. The first offense involves a fine of $200 to $5,000, a 30-day license suspension, and revocation of vehicle registration until proof of insurance is provided. Additional offenses involve fines of $200 to $5,000 and/or 15 days to one year in jail.

West Virginia Uninsured Motorists Data

  • National uninsured motorists: 12.6%
  • West Virginia uninsured motorists: 8.4%
  • West Virginia average vehicle repair cost: $2,407

West Virginia state law requires motorists to purchase uninsured motorist coverage. This coverage helps financially protect legally insured drivers from an accident with an at-fault driver without insurance. It does not relieve the at-fault driver of financial responsibility for injuries or damages they cause, but the collection process is far easier for you with uninsured motorist coverage.

If you carry this insurance, your insurer will cover any damages or injuries that happen when an uninsured driver is at fault. In turn, your insurer can pursue the at-fault driver for costs so you don’t have to. The financial support provided by uninsured motorist coverage can be a major relief to drivers who face this worst-case scenario.

Thefts in West Virginia

  • National car theft rate (per 1,000 registered vehicles): 2.94
  • West Virginia car theft rate (per 1,000 registered vehicles): 1.58

The car theft rate in West Virginia is lower than the national average. Vehicle thefts have declined across the nation, but people in urban areas tend to have a higher risk than people in rural areas or small towns.

Experts credit the overall decline to awareness campaigns, better vehicle safety systems, and proactive law enforcement. You can protect your finances from the misfortune of auto theft by purchasing a comprehensive West Virginia auto insurance policy.

Find the Right West Virginia Car Insurance

Your local Trusted Choice member agent can help you compare West Virginia auto insurance quotes so you can make the right choice. You agent can also help you determine the best policy options and coverage amounts for your unique needs.

Do you still have auto policy questions? Your local, independent agent can give you support, answer your questions, and be a resource for you as you look for the best West Virginia auto insurance on the market today.

Now, who's ready to get their insurance problems solved?