West Virginia Auto Insurance

West Virginia sealThe law in West Virginia states that all registered vehicles are required to be insured at all times in order to be operated legally. The price for coverage can vary significantly for each driver and automobile from one company to the next. For this reason motorists should compare quotes from multiple insurers in order to comply with state laws at an affordable rate.

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Get a West Virginia Auto Insurance Quote

Obtaining multiple quotes from various insurers is a very important step in order to find cheap WV car insurance coverage. When looking to gather rates the consumer should be ready with a few items that are necessary in order for companies to calculate premiums and help speed up the process. When shopping one should have the following information handy:
  • Names and ages of drivers to be insured
  • Vehicle year, make and model
  • Vehicle identification number
  • Address where automobiles will be garaged
Motorists can now get quotations easily and conveniently online. By logging on they will be provided with a brief application form. Upon submitting the above mentioned information and choosing the type of coverage that they would like, they will receive pricing from a variety of reliable carriers. Once an individual has received rates from different companies, they will quickly come to realize just how much prices can vary. This is why it is important to obtain quotations and complete a WV auto insurance comparison before purchasing a policy.

West Virginia Car Insurance Laws

The state follows the Compulsory Insurance Law which is designed to protect the insured and all motorists who operate a vehicle. In order to be in compliance with this requirement, all registered vehicles must be insured with the following minimum liability limits:
  • $20,000 for bodily injury to one person
  • $40,000 for injuries to two or more people
  • $10,000 for property damage
pulled overIn accordance with the West Virginia car insurance laws motorists are required to carry proof of coverage at all times in the form of a WV-1(Certificate of Insurance) while driving their vehicle. This will be requested by a law enforcement officer during any traffic stop or following an accident. The Division of Motor Vehicles will also request this at the time of registration and also verify that it is valid.

Driving without a policy in place can result in the suspension of registration and driving privileges. The reinstatement fee is $100 and the driver's license is suspended for 30 days; a second offense will result in 90 days.


Questions Regarding West Virginia Insurance

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West Virginia Auto Insurance News

  • W.Va. Attorney General Sues Insurer Over Repair Practices

    December 21, 2011 - West Virginia Attorney General Darrell McGraw is suing Liberty Mutual and a Saint Albans auto repair shop, claiming the pair broke state law by using "junkyard parts" to repair policyholders' vehicles. State consumer protection laws contain strict provisions prohibiting insurers and body shops under certain conditions..

  • West Virginia Insurers Seeing Positive Results from 2005 Law

    November 22, 2011 - West Virginia auto insurers saw their underlying costs slashed by about $200 million in the five years after the state passed legislation preventing some injured parties from suing after a vehicle accident, according to a new report from the Insurance Research Council (IRC). The Third-Party Bad Faith Act, which took effect in...

  • W.Va. Auto Insurers See Fewer Losses on Deer-Vehicle Collisions

    October 27, 2011 - A new report from West Virginia's Offices of the Insurance Commissioner says that auto insurers in the state spent $5.1 million less last year on deer-vehicle crash claims compared with 2009. In 2009, they paid out $57.2 million on such claims. According to an annual analysis from ...

WV Coverage Articles

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    Jan 17, 2012 - Compulsory insurance laws in West Virginia require all motorists to be insured, or face potential penalties. For this reason, vehicle coverage is a necessary expense for...

  • Personal Info for Accurate WV Auto Insurance

    Dec 07, 2011 - Shopping for auto insurance can be very similar to shopping for other products, but a number of personal details must be relayed before a motorist can be given an accurate quote. This is generally because...

  • Buy West Virginia Car Insurance

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