Cheap Car Insurance in West Virginia

west virginia car insuranceLooking for West Virginia automobile insurance? Sometimes browsing for a provider can be tricky. But with, 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:

Coverage Requirements

Coverage Requirements Most Common
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

Speed Limits

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
Phone: 1-304-558-3386

These West Virginia Car Insurance Companies Offer Lowest Rates