West Virginia Auto Insurance Rates & Requirements
West Virginia requires 25/50/25 liability coverage and is an at-fault state.
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West Virginia at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
West Virginia operates under a traditional at-fault tort system, meaning the driver responsible for an accident is liable for damages. All drivers must carry proof of financial responsibility, typically satisfied through liability insurance meeting state minimums. The West Virginia Division of Motor Vehicles enforces compliance through registration checks and random verification requests.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Medical Payments Coverage
Cost Overview
about $89/mo
Average car insurance spending in West Virginia
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- The state's mountainous terrain and harsh winter weather — with average snowfall exceeding 40 inches in higher elevations — drive weather-related claims upward.
Compare Before You Renew
Compare Auto Insurance RatesFrequently Asked Questions
Is West Virginia a no-fault state for car insurance?
No, West Virginia operates under a traditional at-fault tort system. The driver who causes an accident is financially responsible for resulting injuries and property damage. This means you can sue an at-fault driver for damages exceeding their policy limits, but you can also be held personally liable if you cause a serious crash and your coverage is insufficient.
Does West Virginia require SR-22 insurance?
West Virginia requires SR-22 filing after specific violations including DUI, reckless driving, accumulating excessive points, or driving without insurance. The SR-22 is not insurance itself but a certificate your insurer files with the DMV proving you maintain continuous coverage. You must keep the SR-22 on file for three years, and any coverage lapse restarts the three-year period and triggers license suspension.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. West Virginia's 25/50/25 minimum is the legal floor, but a single serious accident can generate six-figure medical bills and legal exposure.
Full Coverage
Bundles liability, collision, and comprehensive into complete protection for your vehicle and others. Typically required by lenders for financed or leased vehicles.
Comprehensive Coverage
Pays for non-collision damage including theft, vandalism, fire, hail, flood, and animal strikes. Covers your vehicle when collision coverage does not apply.
Collision Coverage
Pays to repair or replace your vehicle after a crash with another car or object, regardless of fault. Works with a deductible you choose, typically $250–$1,000.
Uninsured/Underinsured Motorist Coverage
Steps in when an at-fault driver has no insurance or inadequate limits to cover your injuries and vehicle damage. Must be offered by all West Virginia insurers but can be declined in writing.
SR-22 Insurance
Not a coverage type but a certificate of financial responsibility filed with the West Virginia DMV after serious violations like DUI, reckless driving, or driving without insurance.