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Compare West Virginia Auto Insurance Quotes
Comparing auto insurance in West Virginia is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
West Virginia drivers may want to consider comprehensive coverage because mountain roads, wildlife collisions, flooding and severe weather can create risks beyond standard liability coverage.
West Virginia average rates are below Bankrate’s listed national averages for both full and minimum coverage, but rates can rise after tickets, at-fault accidents, DUI convictions or poor credit.
West Virginia Minimum Coverage Requirements
Minimum Limit
25/50/25
West Virginia requires at least $25,000 bodily injury liability for one person, $50,000 bodily injury liability for two or more people in one crash, and $25,000 property damage liability. The state also requires uninsured motorist coverage of $25,000/$50,000 bodily injury and $25,000 property damage.
Fault System
At Fault
PIP
Offer/Rejection Rule
PIP is not required in West Virginia. Drivers may be able to add optional medical payments coverage depending on the insurer.
UM/UIM
Required
West Virginia requires uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident, plus $25,000 uninsured motorist property damage coverage. Insurers must also offer underinsured motorist coverage, but it appears to be an optional purchase rather than mandatory coverage.
Average rates are sample premiums and will vary by ZIP code, driver profile, vehicle, coverage limits, deductibles, credit tier and insurer.
Liability vs. Full Coverage in West Virginia
West Virginia minimum coverage focuses on required protection such as West Virginia requires at least $25,000 bodily injury liability for one person, $50,000 bodily injury liability for two or more people in one crash, and $25,000 property damage liability. The state also requires uninsured motorist coverage of $25,000/$50,000 bodily injury and $25,000 property damage.. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Liability Coverage: Covers damage or injuries you cause to others, up to the policy limits.
Collision Coverage: Covers damage to your vehicle in a crash, subject to your deductible and policy terms.
Comprehensive Coverage: Protects against many non-collision losses such as theft, vandalism, weather damage, fire, flood, falling objects, and animal collisions, depending on the policy.
Full Coverage: Typically refers to liability plus collision and comprehensive coverage. It is not a standardized legal term.
SR-22 and High-Risk Insurance in West Virginia
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
West Virginia DMV guidance requires proof of valid West Virginia liability insurance and reinstatement fees after certain insurance-related suspensions. I did not find an official WV DMV page confirming a standard SR-22 filing requirement, so drivers should verify any SR-22 request directly with the DMV or court.
West Virginia does not appear to use FR-44 filings for standard auto insurance reinstatement.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Teen Driver Insurance in West Virginia
Adding a teen driver to your West Virginia auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Discounts for West Virginia Drivers
Insurance partners may offer various discounts to West Virginia drivers, including:
Multi-policy discount (bundling auto and home insurance)
Good driver discount (no accidents or violations)
Good student discount (for students with good grades)
Low mileage discount (driving fewer miles per year)
Safety features discount (anti-theft devices, airbags, etc.)
Ask about bundling, safe-driver, paid-in-full, good-student, telematics and multi-vehicle discounts. West Virginia also requires premium reductions for eligible drivers age 55 and older who complete an approved motor vehicle accident prevention course.
Ask about available discounts when comparing quotes.
Top Carriers in West Virginia
West Virginia personal auto carrier context
Rank
Carrier
1
Geico
2
USAA
3
State Farm
4
Nationwide
5
Erie
Carrier pricing and availability vary by ZIP code and driver profile. USAA eligibility is limited to military members, veterans and qualifying family members.
Top Cities in West Virginia
Find auto insurance in these major West Virginia cities:
Note: Only featured cities have dedicated pages. Other cities are served through our main West Virginia page.
Frequently Asked Questions
What is the minimum car insurance required in West Virginia?
West Virginia requires 25/50/25 liability coverage: $25,000 bodily injury liability for one person, $50,000 for two or more people in one crash and $25,000 property damage liability. The state also requires uninsured motorist coverage of $25,000/$50,000 bodily injury and $25,000 property damage.
Is West Virginia a no-fault state?
No. West Virginia is an at-fault state, so the driver who causes a crash is generally responsible for the other party’s injuries and property damage.
Is uninsured motorist coverage required in West Virginia?
Yes. West Virginia requires uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident, plus $25,000 uninsured motorist property damage coverage.
How much is car insurance in West Virginia?
Bankrate lists West Virginia’s average annual cost at $2,162 for full coverage and $566 for minimum coverage. Actual quotes depend on location, driving record, vehicle, coverage limits, credit tier and insurer.
Does West Virginia require SR-22 insurance?
West Virginia DMV guidance requires proof of valid West Virginia liability insurance and reinstatement fees after certain insurance-related suspensions. I did not find an official DMV page confirming a standard SR-22 filing requirement, so drivers should verify any SR-22 notice directly with the DMV or court.
Last Updated: June 15, 2026
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Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
