Minimum Insurance Requirements: West Virginia
Cheap West Virginia Car Insurance
We are here to answer all your questions regarding West Virginia Liability Insurance!
Minimum Liability Requirements for West Virginia
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- West Virginia Liability Insurance Explained
- What is West Virginia Liability Insurance?
- Cheapest West Virginia Liability Insurance (by company)
- State required coverage limits for cheap West Virginia car insurance
- West Virginia Car Insurance: SR22 Rates (by company)
- Cheap West Virginia car insurance: Non-Owners Rates
- Cheap West Virginia car insurance for good credit?
- rates for good credit For west virginia liability insurance
West Virginia Liability Insurance Explained
What is West Virginia Liability Insurance?
When shopping around looking for liability insurance it is great to keep in mind the liability limits to drive legally in the State of West Virginia.
Liability insurance is the coverage in any case you are in an accident and are needing to pay for two components such as bodily injury and property damage.
Bodily injury covers medical bills, lost wages from being out of work, and pain and suffering for the aftermath of the collision while bodily injury per accident pays for injury coverage by each accident.
While property damage coverage is responsible for vehicle and property damage, cleanup costs, and court costs if you are being sued.
Also, when looking into car insurance it is great to remember what situations will not be covered by liability insurance. The Circumstances that would not be covered would include damages to your own vehicle regardless if you are at fault of the accident or not, medical payments or property damage that exceed your maximum limit, and any injuries you or your passenger sustain after the accident.
There are also coverages that are optional that you could obtain to have more limits and more protection such as personal injury protection which cover medical payments for you and your passenger if you sustain injuries in the incident and could potentially help pay for any lost money with you being out of work because of your injuries.
Collision coverage which pays for the damages that your car sustains in the accident especially if you are at fault in the incident. It also covers you if you crash into objects such as trees, a wall, or a house.
While comprehensive coverage pays for repairs or replacements that your car undergoes that isn’t related to a collision which include hail damage, an object hits your vehicle, flood damage, and vandalism. This coverage is also good for broken glass on vehicles or stolen vehicles.
Cheapest West Virginia Liability Insurance (by company)
In the chart below, we have listed some insurance carriers and their average cost for liability only insurance.
| Carrier | Average Cost |
|---|---|
| The General | $82 |
| Mendota Ins. Company | $85 |
| Progressive Insurance | $92 |
| Geico | $100 |
| AssuranceAmerica | $105 |
| National General | $106 |
| Acceptance RTR | $107 |
| Dairyland | $107 |
| Bristol West | $112 |
| USAA | $124 |
Keep in mind that these are estimated costs based on the average person.
Each persons liability premium with differ depending on many factors.
Factors can include but are not limited to: location, age, gender, driving history, and vehicle make/model. Another way the cost can change is depending on if you apply additional coverages to the policy, increase liability limits, or if you are eligible for discounts.
State required coverage limits for cheap West Virginia car insurance
When looking into liability insurance it is important to remember what your state liability limits are in your state and what each limit exactly covers.
In West Virginia the limits are twenty five thousand in bodily injury coverage per person, fifty thousand in bodily injury per accident, and twenty five thousand property damage per accident.
SR22 Insurance and West Virginia Liability Insurance
When it comes to getting insurance with frequent violations, a record with DUI, involved in an at fault accident, or seen driving with a revoked or suspended license it can be quite difficult trying to find an insurance company that would want to insure a client with a high-risk record.
However don’t lose all hope there are ways to get insurance even with such a record by obtaining a SR22.
A sr22 is not an actual separate policy that you get with your insurance company but rather a form that you attach to your insurance to show that you have enough insurance.
This sr22 is attached to liability insurance policy to cover the minimum requirements such as bodily injury and property damage however this will not cover any injuries that you sustain on your body or on your vehicle.
When you are in such situations the DMV will typically suspend your license until you get an SR22 on your insurance policy so it’s very important to do so if you’re wanting to keep your license.
One of the most popular forms is the non-owners insurance which is responsible for keeping drivers insured who do not own a vehicle and typically drives another person’s car or using a rented car.
The only downside of the non-owners form is that not all insurance companies offer this coverage so it can be very hard to find a carrier to insure you since you are considered high-risk.
West Virginia Car Insurance: SR22 Rates (by company)
When filing for an SR22 in West Virginia, you may see an increase in your auto premium. This is not due to you filing the SR22, but rather, the violation you caused.
In fact an SR22 filing fee with insurance carriers can range from being of no cost (free) up to a one time filing fee of $25.
| Carrier | Average Cost |
|---|---|
| Dairyland | $86 |
| National General | $96 |
| Mendota Ins. Company | $102 |
| Progressive Insurance | $103 |
| The General | $110 |
Cheap West Virginia car insurance: Non-Owners Rates
| Carrier | Average Cost |
|---|---|
| Dairyland | $65 |
| Progressive Insurance | $81 |
| The General | $115 |
| Mendota Ins. Company | $137 |
Cheap West Virginia car insurance for good credit?
One of the most important key components to insurance is whether or not you have good credit. A credit score can definitely determine your premium for your insurance policy and can also benefit you by obtaining some discounts from that.
A credit score is a certain number representing a person’s reliability on paying back loans, the amount of open accounts they have, repayment history, and the amount of debt one has.
When deciding on whether or not an insurance company wants to have you as a client or not it’s very important for the carrier to check your credit score because it can display how consistent the client is on paying back what is due.
When a client has bad credit it can raise their insurance premium tremendously and can potentially make their downpayment a lot higher since they are considered a high risk driver.
rates for good credit For west virginia liability insurance
| Carrier | Average Cost |
|---|---|
| National General | $131 |
| Dairyland | $143 |
| Acceptance RTR | $147 |
| The General | $153 |
| Progressive Insurance | $154 |
| AssuranceAmerica | $155 |
| Additional Helpful Links |
|---|
| Auto Quote Checklist |
| West Virginia SR22 Insurance |
| Motorcycle Insurance West Virginia |
| West Virginia Homeowners Insurance |
| Auto Insurance West Virginia |
| West Virginia DMV |
Last Updated on by Alexis Karapiperis