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Auto Insurance Requirements In West Virginia

West Virginia Auto Insurance 

According to West Virginia state law, all motorists applying for vehicle registration are required to have valid vehicle liability insurance. This insurance helps cover the costs of damages or injuries you may have inflicted on others if you are responsible for an accident. You must carry evidence of insurance in your vehicle at all times, and provide it to law enforcement and others involved in an accident with you upon request.  While this is the minimum amount as required by law, drivers are strongly urged to consider higher limits.  It’s also important to note that, while West Virginia law does not require you to have collision and comprehensive coverages, you may have to purchase both as part of your car’s finance or lease agreement.

Car Insurance Policy Requirements in the state of  West Virginia

West Virginia law mandates that every automobile insurance policy sold in the state must have these minimum coverages:

  • $25,000 liability coverage for bodily injury or death of one person
  • $50,000 liability coverage for total bodily injury or death 
  • $25,000 liability coverage for property damage per accident 

Penalties and Violations

If you are caught driving without insurance in West Virginia, your driver’s license will be suspended for 30 days and until proof of insurance is provided, and you’ll be required to pay reinstatement fees. (Note that if compliance can be shown before the suspension takes effect, and a $200 penalty is paid, registration/license suspension may be avoided.)

You are also deemed fully responsible for any financial repercussions should you cause an accident and not have any insurance to cover the cost of the damage.

Choosing the insurance that’s actually right for you may seem overwhelming.  It’s important to make sure you’re adhering to the law in whatever state you live.  Don’t go it alone — have one of our friendly, knowledgeable agents help you cut through the nonsense, and get you the security you need while you’re out on the road.  Getting the right insurance is just a few steps away.