Cheap car insurance in West Virginia

According to Bankrate, the 2024 average annual car insurance cost in West Virginia was $533 for minimum required coverages, and $2,079 for “full coverage”.* Your rates may be lower or higher depending on several factors, including your:

• Driving record

• Age

• Type of vehicle

• ZIP code

Shopping around and comparing quotes from different insurers is a good strategy to find cheap car insurance.

West Virginia law requires all drivers carry a minimum level of car insurance. The required coverages include two types of liability car insurance, along with uninsured/underinsured motorist bodily injury coverage:

Bodily injury liability insurance can help cover the costs associated with injuries you cause to other people when you’re at fault in an accident. The minimum requirements in West Virginia are:

• $25,000 per person

• $50,000 per accident

Property damage liability coverage helps pay for damages you cause to another person's property when you’re at fault in an accident. In West Virginia, drivers must have a minimum of:

• $25,000 per accident

West Virginia also requires drivers to carry uninsured motorist (UM) coverage. This can help protect you from significant out-of-pocket costs if you're involved in an accident with a driver who doesn’t have car insurance. The minimum limits are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

• $25,000 per accident for property damage

Auto insurance companies are required to offer underinsured motorist (UIM) bodily injury and property damage coverages in West Virginia, but you can reject these coverages in writing. Underinsured motorist coverage can help cover certain costs if you’re involved in an accident where the at-fault driver doesn’t have enough car insurance to cover your accident-related expenses.

SR22 forms—which certain states require for drivers convicted of certain offenses such as DUIs—aren't required in West Virginia. That said, if you’re convicted of a DUI, DWI, or you’re at fault in an accident, your car insurance rates could increase.

We offer the following car insurance discounts in West Virginia:

• Multi-car

• Prior insurance (transfer)

• Homeowners

• Paid-in-full

• Quarterly payment

• Advanced quote

• Association and membership

• Defensive driver course

Finding the cheapest car insurance in West Virginia often involves comparing multiple quotes from different insurers. Your quoted rates can vary based on factors specific to you, so it's important to get personalized quotes.

Beyond meeting the state's insurance requirements, there are other considerations for drivers in West Virginia.

West Virginia has specific state driving laws and requirements that all drivers must adhere to, including seatbelt use, child car seat regulations, and DUI laws.

For more information on how to be a safe, responsible driver in West Virginia, check out these three state organizations:

The West Virginia Department of Transportation (WVDOT) oversees the state's transportation infrastructure and offers resources on road conditions, construction projects, and more.

The West Virginia Division of Motor Vehicles (DMV) handles vehicle registration and driver's license issuance and provides information on traffic laws and regulations.

The West Virginia Offices of the Insurance Commissioner offers resources and assistance for consumers with questions or issues related to car insurance.