Find Affordable Car Insurance in West Virginia

West Virginia requires all drivers to carry liability insurance with minimum limits of 25/50/25: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. While uninsured motorist coverage isn’t mandatory, it’s highly recommended for additional protection.

For more information about insurance requirements in different states, check out our SR22 states guide.

You can find cheap car insurance in West Virginia by comparing quotes from multiple providers, maintaining a clean driving record, bundling policies, taking advantage of discounts, and choosing higher deductibles. A Plus Insurance helps West Virginia drivers find affordable coverage options by comparing rates from our partner providers.

For more ways to save on insurance, explore our auto insurance resources.

Car insurance rates in West Virginia are influenced by your driving record, age, location, type of vehicle, coverage limits, credit history, and annual mileage. Urban areas like Charleston typically have higher rates than rural areas. Your claims history and the purpose of vehicle use (commuting vs. pleasure) also impact your premium.

Learn more about how location affects rates in our West Virginia insurance guide.

While West Virginia doesn’t mandate uninsured motorist coverage, it’s highly recommended as it protects you if you’re in an accident with a driver who has no insurance or insufficient coverage. This coverage can pay for your medical expenses, lost wages, and other damages when the at-fault driver cannot.

For specialized coverage options, check out our recreational vehicle insurance offerings.

West Virginia follows a traditional fault-based system, meaning the driver who causes an accident is responsible for damages. Their insurance company pays for injuries and property damage to others up to policy limits. If damages exceed those limits, the at-fault driver may be personally liable for the difference.

For information about insurance in neighboring states, see our Vermont insurance page.

Many insurance companies offer discounts for West Virginia drivers, including safe driver discounts, multi-policy discounts, good student discounts, vehicle safety feature discounts, and defensive driving course completion discounts. At A Plus Insurance, we help you identify all eligible discounts to lower your premium.

Explore our insurance providers page to learn about different companies and their discount programs.

West Virginia car insurance rates are generally competitive compared to neighboring states. While not the cheapest, they’re often more affordable than states with higher population densities. Our Kansas insurance page and New Mexico insurance page show how rates vary across different regions.

If you need SR22 insurance in West Virginia due to violations like DUI or driving without insurance, A Plus Insurance can help. We specialize in high-risk coverage and work with providers who offer SR22 filings. Check our Madison SR22 page for more information about this specialized coverage.