West Virginia seal

The Mountain State sits entirely within the Appalachian Mountains, and the dense forests and winding mountain roads make for some fantastic scenery while you go from place to place. But with the very real risk of a car crash always present, you never want to drive without the proper car insurance coverage.

Luckily for residents, the cost of car insurance in West Virginia can easily be below the national average. And the best way to find cheap car insurance coverage is to shop around. Fortunately, comparing car insurance quotes online is quick and easy from the comfort of your home, without the pressure of talking to an insurance agent.

OnlineAutoInsurance.com can provide free rate quotes from local car insurance companies within moments, with no obligation to buy. But before you start shopping, you need to understand the legal minimums and decide the level of coverage that’s right for you.

So what are the state’s requirements? And how much insurance do you need to protect yourself and your assets?

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:

Liability Coverage

  • $20,000 Bodily Injury Liability per person to pay medical bills or funeral expenses for injury or death caused by a car accident.
  • $40,000 Bodily Injury Liability for bodily injury or death of two or more people in any one accident
  • $10,000 Property Damage Protection for damages caused to other vehicles or structures.

Liability Insurance is meant to help you meet your financial responsibility when you’re in an at-fault accident. But it won’t help you pay medical bills or funeral costs for you or your passengers, nor will it pay for any repairs your vehicle needs.

Uninsured Motorist Coverage

  • $20,000 Bodily Injury Coverage per person. This will cover you or your passengers if you are in an accident with an uninsured motorist.
  • $40,000 Bodily Injury Coverage per accident for multiple people in your vehicle that are injured.
  • $10,000 Property Damage Protection for damages caused to your vehicles

In West Virginia, your Uninsured Motorist policy is sold separately from Underinsured Motorist Coverage. If you decide to add it to your policy, your insurance company will pay the difference when you’re in a car accident with an underinsured motorist, so long as you have higher limits than they do.

Motorists are required to carry proof of insurance at all times 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 $200 and the driver's license is suspended for 30 days; a second offense will result in 90 days. That’s on top of the cost you may have to pay if you’re ever in a car accident.

Comprehensive and Collision

These two policies are also known as “Full Coverage,” and as long as you finance or lease your vehicle, your lienholder will require you to carry these policies, so it’s important you take the time to find out how much this coverage will cost before you purchase a new vehicle.

Collision coverage will help you repair your vehicle if you’re in a car accident, no matter who is at fault. It will also help you repair your vehicle if you hit a stationary structure, like a fence or pole. Comprehensive coverage will pay for damages caused outside of collisions. This can include damage from hail, falling limbs, or a collision with a deer. It will also protect you from theft or vandalism.

If your vehicle is paid off in full, these policies are still worth considering. Remember, the better condition your car is in, the more you can get for it when you want to sell it or trade it in. And even a minor fender bender can cause hundreds of dollars in damage.

Medical Payments

Also known as MedPay, this a kind of no-fault insurance designed to quickly reimburse you for any medical expenses related to your car crash, regardless of who is at fault. Although the limits are usually fairly low, it can be a big help if your health insurance has a high deductible, or if you need dental work or chiropractic care that wouldn’t be covered under your normal health insurance.

Depending on your policy, your insurance company may be entitled to recoup the amount they pay to you if you get a settlement from the at-fault motorist. Make sure you understand how your policy works, and if it’s subject to subrogation rights.

Comparing Car Insurance Quotes Online

Your car insurance rates are determined by a combination of personal factors and the kind of vehicle you want to insure. In order to get started, you’ll need the following information handy:

  • Your age, driving history, and credit score, and coverage history
  • Vehicle year, make, and model
  • Vehicle identification number
  • Address where automobiles will be garaged

Insurers use this information to calculate the risk of insuring you. The more driving violations and insurance claim you have on your record, the higher your insurance premiums will be. That means safe driving will save you money, as well as help prevent an accident.

Once you’ve entered your information, OnlineAutoInsurance.com will show you car insurance quotes from reliable insurers operating in your area. You can experiment with different levels of coverage to find out the cost of lower deductibles, higher maximum limits, and optional coverages. This will help you get a better idea of the actual value of each policy. You may be surprised at how little doubling your limits will cost.

Still, you shouldn’t let the low price of bare minimum coverage keep you from getting the coverage you need. Saving a few dollars a month on car insurance is a drop in the bucket compared to the high cost of a serious car accident. When you’ve found a policy that suits you, you can make your purchase online and have proof of insurance within minutes.

The bottom line

No single insurer is right for everyone. In order to get the best possible deal on car insurance, you have to take the time to compare rates. Even if you already have insurance coverage, it’s worth your time to compare rates with other companies before you renew. Switching to a new company can save you hundreds of dollars a year.

So drive safely, follow the rules of traffic, and you can always drive with an insurance policy that leaves you feeling secure. Compare rates and get started today!