West Virginia Auto Insurance Facts

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The state minimum auto insurance coverage in West Virginia

Liability Coverage Minimum Description
Bodily Injury Per Person $20,000 Each person you injured in an accident that you cause would receive $20,000, up to your policy limit.
Bodily Injury Per Accident $40,000 The maximum your insurance would pay out for an accident you caused. At state minimums, this would cover 2 people in the other car. Anything above this limit would need to be paid out of pocket.
Property Damage Per Accident $10,000 The maximum your insurance company would pay to cover damage to the other driver’s vehicle in an accident.

Although each state sets a minimum liability amount, it’s good practice to review coverage options with your insurance agent. State minimums may not cover you as much as you’d like in the case of a serious accident. Liability coverage does not cover damage to your car or costs from your injuries.

Other types of auto insurance you can add to your policy are:

Uninsured/Underinsured motorist

Uninsured/underinsured motorist coverage is only required in some states, but it will protect you if you get into an accident with a motorist without the proper insurance coverage. Uninsured or underinsured motorists can end up costing you due to another driver’s negligence.

Collision coverage

Collision coverage will help pay for damages to your car in the event that your car hits another vehicle or an object, such as a building or guard rail.

Comprehensive coverage

Comprehensive coverage will cover damage to your car that isn’t caused by an accident, such as a vandalism or theft. It also covers fire, weather damage, and animal collisions.

Medical payments

Medical payments help pay for you or your passengers if they get hurt in an accident in your vehicle.

Personal Injury Protection (PIP)

Personal Injury Protection will help with costs beyond medical in the event of an accident. It will help pay for medical expenses, work loss, and even funeral costs.

General

Population

Population
1,844,128

Licensed % vs. Uninsured %

LICENSED VS. UNINSUREDLICENSED VS. UNINSUREDLICENSED VS. UNINSUREDLICENSED VS. UNINSUREDLICENSED VS. UNINSUREDLICENSED VS. UNINSURED
   73%

Insurance in West Virginia

Minimum liability

Minimum Liability
20/40/10

Number of insurance agencies

Number of Insurance Agencies

Annual premium state

Annual Premium State
$1,722

Driving laws

Max speed limits

Max Speed Limits
70 MPH

Miles of highway

Miles of Highway
79,891

DUI legal limit

DUI Legal Limit
0.08

Weird driving laws in state

Weird Driving Laws in State

Whistling underwater is prohibited.

Texting laws

Texting Laws

Under 18 banned from all cell phone use/texting

Most stolen vehicles

Most Stolen Vehicles
  1. 1988 Ford F150 pickup
  2. 1997 Chevrolet cavalier
  3. 1996 Ford taurus
  4. 1995 Jeep cherokee/grand cherokee
  5. 1998 Ford ranger
  6. 2000 Ford explorer
  7. 1994 Chevrolet conventional cab 4×4 pickup
  8. 1993 Honda accord
  9. 1998 Ford escort
  10. 2005 Dodge neon

Conditions

Rainfall

Rainfall
45.2

Snowfall

Snowfall
25.1

Days of snowfall

Days of Snowfall
37.7

Popular cities

Popular Cities

Charleston

Scenic drives

Scenic Drives

Route 16

Highland scenic highway

State parks

State Parks

Blackwater falls state park

Cacapon state park

Pipestem state park