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Minimum State Insurance Requirements » West Virginia

20 / 40 / 10

Personal injury insurance for the driver: $20,000

(maximum benefit paid per claim after the policyholder pays the deductible)

Personal injury coverage for all people involved in an accident: $40,000

Property damage coverage per claim: $10,000



West Virginia Car Insurance Information

Mountain State drivers looking for great deals on car insurance can find them at, the most comprehensive West Virginia car insurance information database anywhere. Important statistics like average insurance premiums, the number of uninsured drivers, DUI penalties, and the best car insurance rates in the state await curious West Virginia drivers here.

West Virginia Car Insurance Information

One of the most rugged states in the nation, West Virginia is located almost entirely on the Allegheny Plateau, crisscrossed by striking mountain ranges covered in the dense forests typical of the eastern United States. It is home to some of the most beautiful roads and bridges in the country, many of which were built during the early 20th century.

But the treacherous topography and poor condition of some of these roads can be dangerous for local drivers and tourists alike. At $1,041 per year, West Virginia’s average auto insurance rates are higher than neighboring Virginia but lower than the national average, making it the 9th least-expensive state for insurance. This can be attributed to West Virginia’s low number of uninsured drivers, just 11 percent compared to a national average of almost 14 percent.

Car Insurance Minimum Requirements

At a present split of 50/100/55, minimum levels of car insurance coverage in West Virginia are higher than the national average. These figures translate to a $50,000 minimum of per-person liability coverage, a $100,000 minimum of per-vehicle coverage, and a $55,000 minimum of property liability coverage. These higher-than-average numbers may be the result of West Virginia’s largely rural road system that is statistically more treacherous than the nation’s roads on average.

Car Insurance Companies

For a small state, West Virginia boasts dozens of conveniently-located car insurance companies dedicated to providing the best possible service. Historically, the state’s towns developed in coal-rich valleys isolated from one another, so each place needed to provide a full range of services including insurance. Most of these family-owned agencies are still in business today, providing low rates thanks to intense competition yet still managing to form close relationships with each client.

Free Car Insurance Quotes For West Virginia

Thanks to the site’s easy zip code search tool, has saved thousands of West Virginia drivers money on their annual car insurance premiums. The site is designed to link drivers with the best possible insurance matches. With state-specific, easily-navigable search pages and a wealth of informative articles about the ins and outs of car insurance, is the best place to find West Virginia car insurance information.

Car Insurance Rates

Despite its rugged, treacherous roads, West Virginia is a relatively cheap state for car insurance. Drivers pay on average just $1,041 per year, good enough to make it the 41st most-expensive state in the country. Neighboring Virginia and Ohio drivers both get slightly better deals, while Pennsylvania, Kentucky, and Maryland, West Virginia’s remaining border states, are all more expensive. In any event, will save any driver money with a free insurance quote!