Does West Virginia have minimum auto insurance requirements?

Yes. West Virginians must carry the following minimum liability coverage limits:

  • $25,000 in bodily injury per person
  • $50,000 in total bodily injury per accident
  • $25,000 in property damage liability

West Virginia also requires uninsured motorist bodily injury (UM BI) and property damage (UM PD) coverage. With uninsured motorist coverage, you're covered for medical expenses and vehicle damage if you're hit by a driver without insurance. The minimum limits you need for UM BI and UM PD are:

  • UM BI: $25,000 per person, $50,000 per accident
  • UM PD: $25,000 with a $300 deductible

Although these are the minimum state requirements for auto insurance in West Virginia, you should consider increasing your limits or adding more coverages for everyday peace of mind. Learn more about auto liability insurance and uninsured motorist coverage.

Consider comprehensive and collision coverage

If you lease or finance your car, your lender will likely require you to carry collision and comprehensive coverage. But even if you don't have a car payment, insuring your car against physical damage can be a smart choice, especially if your vehicle is a significant investment for you. Learn more about how comprehensive and collision coverage can help protect your vehicle.

Our Name Your Price® Tool puts you in the driver's seat. Tell us what you want to pay, then choose from coverage options in that price range.

How much is car insurance in West Virginia?

According to the Insurance Information Institute, West Virginia ranked in the middle for average auto insurance expenditures in 2017. Your location, driving history, and the limits and coverages you choose can all impact the price of your car insurance. Learn more about what goes into the cost of car insurance.

Are there discounts to help lower the cost of my insurance?

Yes. Progressive offers a wide range of discounts, such as:

  • Three-year safe driving
  • Online quote
  • Five-year accident-free
  • Multi-car
  • Homeowner
  • Five-year claim-free
  • Multi-policy
  • Paid in full

See all auto insurance discounts.

Interesting facts about driving in West Virginia

  1. West Virginia leads the country in vehicle-deer collisions — these accidents occur three times higher than the national average. Consider adding comprehensive coverage with Progressive, which can pay to repair or replace a vehicle damaged in an animal collision.

  2. West Virginia requires all drivers, front seat passengers, and back seat passengers under 18 to wear a seat belt. Buckle up and avoid a ticket.

  3. According to the Insurance Information Institute, more than 10% of West Virginia motorists were uninsured in 2015. Consider increasing the limits on your uninsured motorist coverage for more protection against uninsured drivers.

How can I get a quote for car insurance in West Virginia?

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