Get the cheapest car insurance in West Virginia

Most popular West Virginia auto insurance companies list

Average car insurance costs in West Virginia

West Virginia came in slightly above the $1,300 national average for auto insurance costs compared to other states in 2017, with most drivers paying about $1,350 annually. Drivers in the most expensive state in the country — Michigan — tend to pay more than $2,300 a year for the same level of coverage.

While a state average is a good guideline for what you’ll pay, your costs also depend on where you live, your age and driving record, among other things. The more risk you present to the insurer, the higher you’ll pay for your premium.

Which city has the cheapest car insurance in West Virginia?

Of West Virginia’s largest cities, Morgantown has the cheapest rates and Princeton has the most expensive car insurance rates. Princeton drivers could face rates 2 times more than Morgantown drivers.

• Wheeling
• Fairmont
• Morgantown
• Princeton
• Clarksburg

West Virginia minimum requirements for car insurance

To legally drive in West Virginia, you’ll need insurance that includes at least:

• $25,000 for bodily injury per person
• $50,000 for bodily injury per accident
• $25,000 for property damage

In addition to liability coverage, you must carry the same minimums for uninsured or underinsured motorist coverage.

Can I get SR-22 insurance in West Virginia?

No, West Virginia is one of the few states that doesn’t require an SR-22 if you’re a current resident. If you move to West Virginia from another state that required you to file an SR-22, you probably need to continue meeting your SR-22 insurance requirements while in West Virginia.

Bottom line

The right car insurance policy can help protect you, your vehicle and other motorists on the road. And in the state of West Virginia, you’re legally required to maintain coverage if you want to drive. Compare the laws and requirements in your state to find the best value on your car insurance coverage.

Frequently asked questions about West Virginia car insurance

• Is there any alternative to getting a car insurance policy in West Virginia?

  No, there isn’t. Most states allow drivers to place large sums of money or cash bonds in a deposit with the state treasury, which allows qualified drivers to get a certificate of financial responsibility. But in West Virginia, it’s car insurance or bust.

• Where can I learn more about SR-22 insurance?

  You can learn more about this conditional coverage by visiting our general guide to SR-22 insurance.

• How can I get a copy of my West Virginia driving record?

  You can get a copy by visiting a local DMV office and filling out forms to request it. You can also request a copy of your record online by visiting the state government website and filling out the forms provided there.

• Will my liability insurance cover me if I'm sued after an accident?

  Yes, up to the coverage limits of your policy. However, any damages awarded beyond your coverage limits will not be covered by your insurance provider.

• Do I have to update the DMV when I move to a new address?

  Yes, you must keep the DMV up to date about where you live so they can send you necessary notifications — for example, if you’re overdue to renew your license plates or if your license is on the verge of suspension.