Best Auto Insurance Rates in West Virginia

On average, your neighbors pay $73 a month.

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West Virginia may be the Mountain State, but the useful insurance information that QuoteWizard has compiled from industry and regulatory sources, can help you keep your rates from being sky-high.

This page will show you which types of coverage are legally required in West Virginia, provide information about the cost of driving including average rates, and share some insights about insurance risk to help you protect yourself and your family.

Average West Virginia Car Insurance Rates

How much is car insurance in West Virginia? Average insurance premiums here are almost identical to the national average. Prices may vary depending on your limits, urban conditions, coverage, and zip code.

On average, the cost of auto insurance in West Virginia is $855.25 a year. The national average price is $889.01.

West Virginia (WV) Average Annual Car Insurance Rates
Coverage Rates
Liability $491.83
Collision $329.67
Comprehensive $204.28
Total Annual Cost $855.25
Price Per Month $73.77
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average West Virginia rates from 2011 to 2015, the most recent year the data is available. According to the III, West Virginia car insurance rates increased from $834 in 2011 to $855 in 2015, a jump of $21 dollars, or 2.54 percent.

West Virginia average car insurance rates

Car insurance is a must-have for most people, whether they live in West Virginia or somewhere else in the US. But that doesn’t mean you should go with the first policy that comes your way.

You want a policy that’s reliable and fits your needs while also being affordable. To get that, you have to compare auto insurance quotes.

That can take some time if you do it yourself. With QuoteWizard, you can do it in seconds. Fill out our form and we’ll connect you to multiple top car insurance companies in West Virginia so you can compare rates and get the best coverage.

Last year, 20,834 people used QuoteWizard to compare car insurance quotes in West Virginia from multiple companies.

Best Car Insurance Companies in West Virginia

This is our list of the most common car insurance companies reported by QuoteWizard users living in the state of West Virginia. Out of the 20,834 West Virginia drivers that used QuoteWizard to request insurance quotes last year, 2,341 were uninsured.

Top 10 Vehicles

These are the most common vehicles owned by West Virginia drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Chevrolet Cavalier
  3. Chevrolet Silverado
  4. Ford Ranger
  5. Chevrolet Blazer
  6. Ford Focus
  7. Chevrolet S10
  8. Jeep Grand Cherokee Laredo
  9. Ford Escape XLT
  10. Ford Explorer
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

West Virginia State Auto Insurance Laws

Minimum Car Insurance Requirements in West Virginia

Legally, almost all drivers in the US are required to carry a minimum level of insurance, but those levels vary significantly from state to state.  In West Virginia, drivers need to follow what is known as the 25/50/25 rule when it comes to their insurance policies.

This means that any policy must include at least the following:

  • $25,000 of coverage for bodily injury liability per person
  • $50,000 of coverage for bodily injury liability per incident
  • $25,000 of coverage for property damage liability per incident

Uninsured motorist coverage is not required in West Virginia, but it will be automatically added to your policy unless you reject it in writing.

Remember, you can purchase more inclusive plans that offer more coverage, but if you want the bare minimum required to keep you legal on the road, make sure your policy has the above coverage.

Recommended Coverage Levels

While minimum liability insurance provides a good baseline of coverage, it is far from all you need. Liability helps with the cost of repairs of the other driver’s damages but does nothing for yours.

Storms in West Virginia bring many different hazards. Snow and heavy rains reduce visibility and impair road control with ice and wind. Collision and comprehensive coverage provide a great shield from weather induced car crashes.

Also, consider upping your liability limits. A major accident can easily exceed the minimum coverage amount, leaving you to cover the rest out-of-pocket. To avoid that, we recommend increasing your limits to:

  • $100,000 Individual Body Injury Liability
  • $300,000 Total Bodily Injury Liability
  • $100,000 Property Damage Liability

Required Proof of Car Insurance

Any time you drive in West Virginia, you must be prepared to show your car insurance identification card to law enforcement upon request. You will get this identification card from your car insurance company when you buy a policy.

The card must include all of the following:

  • Name of the insurance company
  • Policy number
  • Effective date of the policy
  • Expiration date of the policy
  • Description of the year, make, or model of the insured vehicles, or the name of the insured driver


Operating a vehicle without the required coverage is a misdemeanor, and is punishable by both a fine of up to $5,000 and the suspension of your driver’s license and registration.

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SR-22 Requirements

West Virginia residents that have had their driver’s license suspended due to drunk driving convictions or other violations must provide proof of financial responsibility by filing an SR-22 form. “SR” stands for safety responsibility and it certifies that a driver has the minimum amount of insurance required by state law.

West Virginia law requires that an SR-22 be carried for 36 consecutive months. If a driver fails to renew their policy 15 days before expiration, a letter is sent to the state resulting in suspension of their license. Once renewed, the license will be reinstated, but this can be a time-consuming process.

State of West Virginia Traffic Safety Laws

Distracted Driving Laws

Drivers under the age of 18 may not use cell phones at any time while driving. West Virginia prohibits all drivers from hand-held cell phone use while driving, but they may use a hands-free headset system. All drivers are also banned from sending or receiving text messages while driving in West Virginia.

Implied Consent Law

West Virginia’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, or urine when arrested for suspicion of Driving Under the Influence (DUI).

Refuse the test and you’ll face the following penalties:

  • First Offense: 1-year license revocation (or 45 days, with an additional 1 year of ignition interlock device)
  • Second Offense: 5 to 10-year license revocation
  • Third Offense: lifetime license revocation

DUI Law and Penalties

If you drive or operate a motor vehicle in the State of West Virginia with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving While Under the Influence (DUI).

The penalties for a first offense DUI conviction are:

  • Up to 6 months in jail
  • A fine of between $100 and $1,000
  • License suspended for 15 to 45 days

The penalties for a second offense DUI conviction are:

  • Between 6 and 12 months in jail
  • A fine of between $1,000 and $3,000
  • License suspended for 1 year
  • Ignition interlock device required

The penalties for a third offense DUI conviction are:

  • Between 1 and 3 years in jail
  • A fine of between $3,000 and $5,000 fine
  • License suspended for 1 year
  • Ignition interlock device required

Senior Drivers in West Virginia

West Virginia has no special provisions for senior drivers. All drivers are required to renew their driver’s license every 8 years.

Vehicles Registered in Another State

When you drive a vehicle in West Virginia that is required to be registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement upon request.

Car Insurance Risk in West Virginia

Vehicle Thefts

West Virginia had 1,896 vehicle thefts reported in 2014, a 3.6% decrease compared to 2013. In 2014, the vehicle theft rate was 102.5 per 100,000, a slight increase from the 2013 rate of 106.1 per 100,000.

The vehicle theft rate in West Virginia is well below the overall US vehicle theft rate, which was 216.2 per 100,000 in 2014.

Top 10 Most Stolen Vehicles in West Virginia

Some cars are more prone to theft than others, be sure to check the list below to see if your car is a target on the streets.

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 1995 Ford Pick-Up (Full Size)
  2. 2003 Chevrolet Pick-Up (Full Size)
  3. 1997 Chevrolet Pick-Up (Small Size)
  4. 1999 Jeep Cherokee/Grand Cherokee
  5. 1999 Ford Pick-Up (Small Size)
  6. 1998 Dodge Pick-Up (Full Size)
  7. 1998 Ford Explorer
  8. 2014 Ford Focus
  9. 2000 Jeep Wrangler
  10. 1999 Chevrolet Cavalier

Uninsured Motorists

The percentage of West Virginia residents estimated to be driving without insurance is 8.4%. That ranks West Virginia as #40 among US states and the District of Columbia, significantly better than average.

West Virginia Auto Insurance Company Market Share

Source: Insurance Information Institute
Rank Market Share Company
1 14.7% Nationwide
2 13% Erie Insurance Property & Casualty
3 8% Berkshire Hathaway Inc.
4 7.7 Allstate Property & Casualty
5 5% Progressive Corp
6 4.4% Liberty Mutual
7 3.7% Hartford Financial Services
8 3.4% USAA
9 2.7% Westfield Group

West Virginia Offices of the Insurance Commissioner

Insurance Commissioner:
Allan L. McVey
Insurance Hotline:
(888) 879 – 9842
Office Hours:
Monday - Friday
8:00 am to 5:00 pm
File a Consumer Insurance Complaint
Complaint Page

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