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

  • What Happens if I Let My WV Auto Insurance Policy Lapse?

    Map of West VirginiaHaving a lapse in auto insurance coverage in West Virginia can come with consequences such as the suspension of vehicle registration and driving privileges. Insurers in the state are required to notify the Division of Motor Vehicles (DMV) within 10 days of...

  • Will My West Virginia Auto Insurance Policy Cover Crashes with Deer?

    West Virginia state flagWest Virginia motorists will have car damages covered after a vehicle-deer collision only if they have comprehensive coverage included on their insurance policy. This is the type of coverage that pays for repairs after a crash with an animal, in addition to covering damages caused by...

West Virginia Auto Insurance News

  • State Farm: Deer-Auto Crashes Fall, Especially in Middle of U.S.

    September 30, 2013 - Keep your eyes peeled when driving Mountain Staters. There might be deer in your headlights. West Virginia again landed on top of State Farm's report on the number of deer-vehicle crash claims the car insurance company receives each year. According to State Farm, there is a 1-in-41 chance that a West Virginian will be involved ...

  • W.Va. Lawmakers Look to Increase State Auto Insurance Minimums

    March 21, 2013 - A West Virginia legislative committee gave the thumbs-up this week to a proposal that would increase the minimum amount of car insurance West Virginia drivers are required to carry. Currently, West Virginia drivers have to carry $50,000 of liability insurance total--$40,000 total to pay for ...

  • West Virginia, Kentucky Taking Stiffer Stances against Uninsured

    June 1, 2012 - On Friday, officials in Kentucky and West Virginia begin contacting motorists there in efforts to strengthen the quality of verification databases that identify uninsured drivers. Legislation creating the electronic databases were passed in West ...

WV Coverage Articles

  • Buy Cheap West Virginia Car Insurance

    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

    Oct 04, 2011 - Compulsory auto insurance laws in West Virginia require residents to buy vehicle coverage before registering an automobile. Ignoring these laws can result in a number of consequences, and consistent checking helps to keep the...