Those who live in West Virginia enjoy cheap car insurance with its gorgeous mountains turning colors in the fall and for fly fishing, horse races, and bluegrass music. Locals also love pepperoni rolls and swimming holes. Car insurance in West Virginia is a must. Rates are slightly below what most people pay for auto insurance in the United States. If you’re looking for inexpensive car insurance in West Virginia, can help.

Quick West Virginia Car Insurance Facts

  • West Virginia has a minimum coverage requirement known as the 25/50/25 rule.
  • In West Virginia, the average cost of full coverage auto insurance is $1,499 per year.
  • The cost of minimum car insurance coverage is roughly $458 per year.
  • In West Virginia, approximately 9.2% of drivers are uninsured.

Minimum West Virginia Car Insurance Coverage

To learn more about automobile insurance coverage requirements in West Virginia, check out the state’s Division of Motor Vehicles website.

West Virginia requires drivers to have minimum insurance to pay for certain damages in a car accident, such as property damage and injuries. The minimum auto insurance coverages are as follows:

Property damage: $25,000 per accident

Bodily injury/death: $25,000 for bodily injury per person, $50,000 per accident

West Virginia Car Insurance, cheap car insurance in West Virginia

Getting Cheap Car Insurance in West Virginia

Need affordable car insurance in West Virginia? Consider these tips to save money:

  1. Compare rates. Many online sites can help you compare car insurance quotes.
  2. Pay as you go. Many car insurance providers have usage-based programs that can help you save money if you drive less.
  3. Talk to your agent. If you think you may be paying too much, ask your agent about available car insurance discounts.

West Virginia Car Insurance Discounts

Looking for cheaper car insurance in West Virginia? Here are some possible ways to save money:

Good Driver: Drivers with no accidents or tickets may be able to save 10% or more. Discuss this possibility with your car insurance provider.

Good Student: Young drivers often pay more for insurance, but good grades can often help them save on their vehicle insurance.

Defensive Driving Courses: Your car insurance provider may offer discounts for drivers who take defensive driving courses.

Multiple Vehicles: Having multiple cars with same insurance company can save money.


What is the average car insurance cost in West Virginia?

The average person pays approximately $1,499 per year for car insurance coverage in West Virginia.

How much is car insurance per month in West Virginia?

The average monthly cost for car insurance in West Virginia amounts to $125 per month.

What is the penalty for driving without insurance in West Virginia?

If you choose to drive in West Virginia without insurance, the penalties are stiff. You could face fines of up to $5,000, up to one year in prison, and a driver’s license suspension.

What is driving like in West Virginia?

West Virginia has a lot of scenic routes and mountain roads. These roads can be dangerous, though, accounting for many fatalities. On top of that, many motorists in the state engage in speeding and intoxicated driving, making driving generally unsafe.

How can I save money on my car insurance policy in West Virginia?

Here are some tips for cheap auto insurance in West Virginia:

  • Consider a group or affiliation discount, which is often available through employers.
  • Buy a vehicle with safety features, as this may result in cheaper auto insurance.
  • Stay safe and alert while driving and avoid reckless behaviors such as drinking and driving.

Other Types of Coverage

West Virginia requires a minimum amount of coverage. If you need more coverage, there are other car insurance coverages to think about:

Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)

Medical Payments Coverage

Physical Damage Coverage

Additional kinds of coverage 

Endorsements and Riders

  • Towing and road service: Get roadside assistance for breakdowns with this coverage.
  • Rental car reimbursement: When you can’t drive your vehicle, this coverage reimburses you for the use of a rental car.
  • Gap insurance: In an accident, your auto insurance company will typically only pay the value of your vehicle, which is likely a lot less than what you owe on your auto loan. Gap insurance pays the difference and ensures you are fully covered.