West Virginia car insurance: requirements & free quotes
West Virginia requires liability and uninsured motorist coverage and follows an at-fault system. Winding mountain roads and frequent deer crossings are signature driving hazards in the state.
Minimum coverage in West Virginia
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$25,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $25,000 per accident
Uninsured motorist $25,000 per person / $50,000 per accident / $25,000 property damage
Shown as 25/50/25 + UM 25/50/25. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in West Virginia
- Comprehensive coverage covers deer collisions, a common claim in West Virginia.
- Consider adding underinsured motorist coverage, which must be offered.
- Roadside assistance is helpful on remote mountain roads.
- Ask about multi-policy and safe-driver discounts.
We connect drivers across West Virginia
Including Charleston, Huntington, Morgantown, Parkersburg and Wheeling — and smaller towns in between. Availability depends on agencies serving your ZIP code.
West Virginia car insurance FAQ
No. West Virginia is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.