Looking for West Virginia automobile insurance? Sometimes browsing for a provider can be tricky. But with AutoInsuranceEZ.com, it’s as straightforward as entering your zip code. We can provide you with the top seven insurance providers in your location, whether you live in a big city like Charleston, Huntington, or Parkersburg, or a lesser populated area such as Morgantown or Wheeling.
West Virginia is a little more expensive than you might think, with an average insurance premium of approximately $808. The average liability coverage is $501, the average collision coverage costs $289, and the comprehensive coverage is $167 on average.
West Virginia Auto Insurance – How to Find the Best Rate
There are several factors that affect the price of West Virginia vehicle insurance. For starters, your age will have a significant impact on your automobile insurance, since motorists under the age of 25 are statistically more likely to be involved in a collision.
Another factor that will affect the cost of your car insurance policy is your occupation. Someone with a sedentary desk-job may be less risky than someone with a more active lifestyle. Not to mention certain careers, such as those serving in the US military, are often eligible for insurance company discounts.
West Virginia Auto Insurance Laws and Requirements
Finding cheap West Virginia car insurance is easy if you are familiar with state requirements. Because there aren’t any no-fault laws in the state of West Virginia, so you won’t be required to purchase any no-fault coverage. UM/UIM coverage is required, and must meet the state minimum requirements for Liability insurance, which is also required:
|Bodily Injury Liability||20,000/40,000||100,000/300,000|
|Property Damage Liability||10,000||50,000|
|Uninsured Motorist Bodily Injury||20,000/40,000||20,000/40,000|
|Medical Payments||Not required||5,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||0 deductible|
SR22 insurance in West Virginia
Not every driver is required to file an SR-22. These are for special cases when motorists have been convicted of serious driving violations. These include causing an accident or being caught driving without insurance. You may also need an SR-22 if you have been convicted of a DUI. Many of these convictions will result in a suspended license, and in many states, you will not be able to get your license back until you file an SR-22. The state of West Virginia, for example, is a state which requires an SR-22 to be filed before your license is reinstated.
DUI Insurance in West Virginia
Arrested for DUI? If this is your first offense, you may face these penalties: up to a 6 month prison sentence (with a minimum 2 day prison sentence for a BAL above 0.15); a prison sentence ranging from 2 days to a full year if a minor under 16 is present in the vehicle with you; a fine ranging from $100-$500 (maximum fine increases to $1,00 if BAL is above 0.15); a fine ranging from $200-$1,000 if a minor under 16 is present in the vehicle with you; your license may be suspended for 15 days (45 days for a BAL above 0.15); and an interlock device may be installed on your vehicle.
Driving in West Virginia
There aren’t any laws against aggressive driving in West Virginia. Similarly, there are very few restrictions on cell phone use behind the wheel; only novice drivers under the age of 18 with a learner’s permit or an intermediate license are prohibited from talking and/or texting while driving.
Highway Safety Laws
|Aggressive Driving||No state law|
|Cell Phones and Texting Laws||novice drivers under the age of 18 with a learner’s permit or an intermediate license prohibited|
|Inc. Penalty for High BAC||BAC 0.15|
|Admin. License Susp. on 1st Offense||6 months|
|Rural Interstate||70 mph|
|Urban Interstate||55 mph|
|Other Limited-Access||65 mph|
|Other Roads||55 mph|
Visit the West Virginia Department of Transportation – Division of Motor Vehicles for information on obtaining your driver’s license, requirements for ID Cards, and vehicle registration.
The official West Virginia state Website
Additional Information on West Virginia Insurance
West Virginia Insurance Commission
How To Contact Directly:
West Virginia car insurance Commission
1124 Smith Street
Charleston, WV 25301