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Cheap Motorcycle Insurance in West Virginia

West Virginia Motorcycle Insurance

West Virginians…did you know you were almost called…”Kanawha-ians?” Yep, your state was almost named Kanawha. There are probably a lot of facts you don’t know about the Mountain State…but hopefully you at least know the motorcycle laws…so you don’t end up in the Mountain State-penitentiary…

West Virginia Motorcycle Insurance
2024 west virginia motorcycle insurance

What is The Minimum Motorcycle Insurance in Virginia?

The minimum motorcycle insurance in Virginia that you must carry will be liability insurance of 25/50/25, along with UM/UIM coverage of 25/50 for Bodily Injury.

Liability insurance covers any expenses for the other party involved within an accident that you were found at fault. However, depending on what limits you have set, expenses incurred during an accident will not be covered by insurance if they go over or exceed the limits placed on the policy. Therefore, any expenses that do reach past those limits will need to be paid in another form or out of pocket.

Uninsured Motorist and Under-Insured Motorist Bodily Injury coverage is used when the other party at fault has no insurance or is under-insured. This coverage acts as if the other party involved within the accident had insurance for Bodily Injury expenses that occurred at the time of the accident. Similar to liability insurance, any expenses that exceed the limits placed on the policy will need to be paid in another way.

If you want additional coverage for UM/UIM, you may look into the Property Damage coverage with you insurance provider.

West Virginia State Requirements

StateMinimum LiabilityPIP?
West Virginia25/50/25N/A
West Virginia Motorcycle Insurance

If you are looking for the cheapest West Virginia motorcycle insurance rates, we are here to help. But make sure when looking to insure your car or motorcycle, you at least understand the state minimum requirements, so you are driving legally.

West Virginia requires motorcyclists to have at LEAST the following coverage:

$25,000 coverage for bodily injury per person

$50,000 coverage for bodily injury per accident

$25,000 coverage for property damage liability

West Virginia Motorcycle Insurance: How Do You Get a Motorcycle License?

Now that you hopefully have your West Virginia motorcycle insurance required by the state, you need to also go through the complete process of getting a motorcycle license.

You can do this either one of two ways:

Add an endorsement to your existing driver’s license

Obtain the motorcycle-only license

You can accomplish either of these things by:

  • Take and pass a written test and road test
  • You also have the choice of doing the written test and completing a motorcycle training course ($100 for the course)
  • Pay the Fee: The standard 5-year license fee in WV is $12.50

For more details, check out West Virginia’s Division of Motor Vehicles Site.

West Virginia Motorcycle Insurance: Laws You Need to Know

Based on the information above, you can rightly assume that West Virginia law requires you to have the proper liability insurance and have completed the proper motorcycle licensing steps.

You must also familiarize yourself with other West Virginia motorcycle requirements, so you don’t get stuck with a hefty fine…or worse thrown in a West Virginia jail.

Some things to remember:

  • You must wear goggles, a face shield, or shatter-resistant safety glasses
  • Your windshield must have shatter-resistant material in compliance with DOT
  • A protective helmet is REQUIRED for ALL riders and should have a functional neck/chin strap.
  • Passengers are allowed, ONLY IF, the motorcycle is equipped with a passenger seat or sidecar. Sidecar must have a seatbelt.
  • Headlamps are required to be on at all hours, tail lamps are also required.
  • Lane Splitting is ILLEGAL
  • Sharing a lane is permitted.

West Virginia Motorcycle Insurance: Discounts to ask Your Agent About

One of the many reasons why it’s a good idea to use an insurance broker or agent is because they can tell you about a discount that you might qualify for…ones that you had no idea about!

Did you know about half of these discount types are listed below?

Motorcycle Insurance Discounts
Advanced Quote
Multi Lines Discount
Married Discount
LoJack Device
Years of Riding Experience
Prompt Payment
Operators Safety Course
Association Membership
Vehicle Usage & Mileage
Continuous Insurance Discount
Motorcycle Rider Group Discount
Multi-Policy
HOG Discount
Prior Insurance
EFT Discount
Garaged or Locked Storage
MC Endorsement on License
Anti – Lock Brakes
Homeownership Discount
West Virginia Motorcycle Insurance

Cheapest Insurance Rates by City

A surprising rating factor that underwriters take into consideration when setting insurance premiums, is the city you live in/zip code.

While this can be something slightly out of your control, it’s simply due to statistics. If a city is highly populated, there’s a higher chance of traffic accidents…and unfortunately, the insurance rates will be higher.

However, we have done some work for you and researched some of the best places to get motorcycle insurance in your city. These specific insurance companies are known for their affordable rates and options for your specific zip code:

Cities in West VirginiaMost Affordable Insurance Company for Motorcyclists
KingwoodThe General
Hinton and WinfieldThe General
BelingtonProgressive
BluefieldFarmers
Shady Spring and PhilippiProgressive
HurricaneProgressive
ParkersburgGeico
Oak HillThe General
HuntingtonDairyland
RansonDairyland
LewisburgThe General
St. AlbansProgressive
ClarksburgProgressive
Point PleasantProgressive
MartinsburgFarmers
WellsburgGeico
WestonThe General
KenovaGeico
Crab OrchardDairyland
Star CityGeico
ViennaProgressive
PetersburgGeico
BuckhannonGeico
HarrisvilleDairyland
RavenswoodProgressive
KeyserDairyland
DunbarGeico
GraftonProgressive
South CharlestonProgressive
ShannondaleThe General
Charles TownProgressive
CharlestonProgressive
MorgantownDairyland
BarboursvilleGeico
MoundsvilleThe General
BrookhavenGeico
BridgeportThe General
MiltonGeico
WeirtonProgressive
RichwoodGeico
FayettevilleDairyland
Cheat LakeGeico
Cross LanesProgressive
New MartinsvilleDairyland
ElkinsThe General
PinchDairyland
MadisonProgressive
White Sulphur SpringsDairyland
WheelingDairyland
SissonvilleGeico
Paden CityGeico
PrincetonGeico
BethlehemProgressive
WestoverThe General
WilliamstownThe General
Pea RidgeDairyland
WilliamsonGeico
Pleasant ValleyProgressive
West Virginia Motorcycle Insurance

Rating Factors

We mentioned zip code being a huge rating factor, and though it pains us to say it, there are a few other rating factors that you might not be able to control. Some of those include:

  • age, marital status, gender, zip code, vehicle characteristics

Other rating factors that you can and SHOULD try your best to control, since they have an extremely big impact on your rates are:

  • driving record, credit score, and insurance score
Insurance Rating Factors (aka Why your Rates are high)
Coverages
Marital Status
Rider Age
Gender
Location
Driving History
Year / Make / Model
Riding Frequency
Type of Bike (Engine Size)
Education Level
Occupation
Credit Score
Rider Experience
West Virginia Motorcycle Insurance

West Virginia Motorcycle Insurance: Motorcycle Safety Tips

The Division of Motor Vehicles has some great motorcycle safety tips that are worth your time to look over.

Not only should you be concerned about your own safety, and that of the safety of others on the road, but when it comes to insurance…each and every violation or accident can cause your insurance rate to skyrocket. So try to do everything in your power to prevent hurting yourself or others by doing the following:

  • Avoid any alcohol and drugs…even at the legal limit…you want to have as clear a head as possible.
  • Have the required protective gear, and even if your state does not require it, be sure to wear a helmet, gloves, eye protection, sturdy shoes, long pants, and a jacket.
  • Make sure your bike is in good condition
  • Avoid overusing the throttle, and fast and harsh braking.
  • Pay attention to the space around you and leave plenty of space between you and other vehicles.
  • Slow down whenever visibility is compromised
  • Make sure you practice before getting on the open road.

Liability Only Rates (by City)

The great thing about carrying liability-only coverage is that you are carrying what the state requires and driving legally. The other thing that is great about liability only is that it is the cheapest insurance option out there for you if you are just needing the bare minimum requirements.

City in West VirginiaAverage Annual Rate
Moorefield$128.00
Martinsburg$115.00
Hooverson Heights$104.00
St. Albans$101.00
Shady Spring and Philippi$112.00
Harrisville$111.00
Barboursville$105.00
Williamstown$120.00
Culloden$99.00
Petersburg$113.00
Pea Ridge$104.00
Parkersburg$130.00
South Charleston$123.00
Brookhaven$130.00
Nitro$118.00
Williamson$103.00
Point Pleasant$122.00
Follansbee$120.00
Huntington$116.00
Star City$127.00
Lewisburg$117.00
Weirton$128.00
New Martinsville$100.00
Bethlehem$122.00
Welch$114.00
Weston$121.00
Wellsburg$129.00
Clarksburg$99.00
Oak Hill$101.00
Craigsville$126.00
Kenova$110.00
Summersville$127.00
Charleston$126.00
Hinton and Winfield$133.00
Morgantown$114.00
Dunbar$111.00
Shannondale$111.00
Moundsville$134.00
Cheat Lake$106.00
Granville$135.00
Vienna$96.00
Buckhannon$133.00
Shinnston$116.00
Bluefield$106.00
Teays Valley$126.00
Ranson$122.00
Richwood$116.00
Crab Orchard$109.00
Charles Town$127.00
Kingwood$102.00
Paden City$121.00
Elkins$111.00
Bluewell$96.00
Sissonville$113.00
Westover$103.00
Fayetteville$114.00
Princeton$114.00
Inwood and Blennerhassett$128.00
West Virginia Motorcycle Insurance

Full Coverage Options

While it’s good to save money and go for the cheapest insurance options, there are some instances where you might want to consider having more than the minimum coverage.

If you are financing your motorcycle, chances are, your lienholder will require you to carry full coverage (comprehensive and collision).

Even if no one is requiring you to carry full coverage, think about the benefits of carrying extra coverage.

If your motorcycle is blown away in a windstorm, or if you hit a deer, a telephone pole, or anything…full coverage will help prevent you from having to shell out thousands of dollars in damages.

Consider the fact that in West Virginia, weather conditions are involved in 22% of all traffic accidents. And truthfully, adding comprehensive and collision might not dramatically increase your premium in some cases.

Ask your agent, or fill out our online quote to see what full coverage looks like for you.

City in West VirginiaAverage Annual Full Coverage
St. Albans$216
Crab Orchard$186
Princeton$232
Beckley$211
Culloden$227
Shinnston$177
Moorefield$215
Granville$212
Morgantown$208
Bethlehem$184
Weston$209
Williamson$210
Hinton and Winfield$189
Paden City$195
Martinsburg$203
Wheeling$185
Weirton$181
Shannondale$224
Grafton$192
Moundsville$195
Bridgeport$231
White Sulphur Springs$221
Cheat Lake$210
Dunbar$186
Star City$181
Sissonville$179
Brookhaven$217
Summersville$212
Westover$215
South Charleston$233
Kenova$208
Williamstown$234
Shady Spring and Philippi$184
Charleston$194
Belington$230
Follansbee$191
Pinch$235
Bluefield$187
Pleasant Valley$233
Lewisburg$209
Huntington$194
Vienna$225
Elkins$207
Keyser$201
Hooverson Heights$232
Barboursville$227
Pea Ridge$184
West Virginia Motorcycle Insurance

How to Lower Motorcycle Insurance Cost?

One effective strategy is to maintain a clean riding record, as insurers often reward bikers with safe histories. Additionally, completing a motorcycle safety course not only enhances your skills on the road but can also lead to substantial discounts on your insurance. Another key factor is the type of motorcycle you ride; opting for a less powerful and more affordable model can contribute to lower premiums. Moreover, bundling your motorcycle insurance with other policies, such as auto or home insurance, can often result in significant cost savings. By implementing these proactive steps, riders in West Virginia can enjoy the thrill of the open road without breaking the bank.

West Virginia Motorcycle Insurance: Frequently Asked Questions

What are the minimum insurance requirements for motorcycles in West Virginia?

In West Virginia, motorcycle riders are required to have liability insurance coverage. The minimum coverage includes $20,000 for bodily injury per person, $40,000 for bodily injury per accident, and $10,000 for property damage.

How can A Plus Insurance help me find the best rates for motorcycle insurance?

A Plus Insurance specializes in shopping multiple carriers to find the best rates for motorcycle insurance in West Virginia. Our team will work with you to understand your needs and provide personalized quotes for comprehensive coverage at affordable prices.

Questions about motorcycle insurance in West Virginia? Call us at 1.888.445.2793.

If you have specific questions about motorcycle insurance requirements in West Virginia or need assistance finding the best coverage, call A Plus Insurance at 1.888.445.2793. Our experts are here to help.

Do you need motorcycle insurance in West Virginia?

Yes, motorcycle insurance is mandatory in West Virginia. Riders must have liability insurance to legally operate their motorcycle in the state.

What state has the highest motorcycle insurance rates?

As of my last update, Louisiana had the highest motorcycle insurance rates in the United States. However, rates can vary based on a variety of factors, including the rider’s age, driving history, and the type of motorcycle.

What are the motorcycle laws in West Virginia?

In West Virginia, motorcyclists must adhere to laws such as wearing a DOT-approved helmet if under 21, carrying the minimum required liability insurance, and ensuring their motorcycle is equipped with certain features like mirrors and a muffler.

West Virginia Motorcycle Insurance
2024 west virginia motorcycle insurance
Additional Helpful Links
SR-22 Insurance West Virginia
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Homeowners Insurance West Virginia
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West Virginia Motorcycle Insurance

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West Virginia Motorcycle Insurance Article

Headline: West Virginia Motorcycle Insurance

Description: Get the Best Motorcycle Insurance in West Virginia

Author: Learn and Serve Insurance

Publisher: Learn and Serve Insurance

Main Entity URL: https://learnandserve.org/west-virginia-motorcycle-insurance/

Article Body:

  • When it comes to motorcycle insurance in West Virginia, you need coverage that fits your ride. At Learn and Serve Insurance, we offer tailored motorcycle insurance solutions. Here’s what you can expect:
    • Competitive rates for motorcycle insurance
    • Personalized guidance to choose the right coverage
    • Resources to compare insurance providers
    • Quick and easy online quotes
    • Access to proof of insurance
  • For the best motorcycle insurance in West Virginia, call us at 1.888.445.2793.
  • Let us help you secure the perfect motorcycle insurance for your ride in West Virginia!

Last Updated on by Alexis Karapiperis

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