West Virginia Car Insurance Laws: How much Coverage Do I Need (2024)?

West Virginia drivers must carry liability insurance and uninsured motorist coverage that meets the state-mandated limits of 25/50/25.
Written by Sarah Gray
Edited by R.E. Fulton
background
West Virginia
drivers must carry an
auto insurance
policy that includes at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, $25,000 per accident in property damage liability coverage and uninsured motorist bodily injury and property damage coverage with matching limits.

West Virginia auto insurance minimum requirements

According to the
West Virginia Offices of the Insurance Commissioner
, to comply with West Virginia car insurance laws drivers must have liability insurance and uninsured motorist coverage that meets or exceeds the following limits:
Type of car insurance coverage
Minimum insurance limit
Bodily injury liability (per person)
$25,000
Bodily injury liability (per accident)
$50,000
Property damage liability (per accident)
$25,000
Uninsured motorist bodily injury (per person/per accident)
$25,000/$50,000
Uninsured motorist property damage (per accident)
$25,000 with $300 deductible
Liability insurance is a coverage requirement in most states, and it protects you from legal claims due to physical injuries and/or damage to other individuals’ property if you cause a car accident. 
Liability insurance is broken into two categories:
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In addition, if you’re involved in a crash caused by an
uninsured driver
, your policy will pay up to up to the same limits for your personal injuries and property damage.
Any additional cost in both situations will come out of your own pocket.
You can use the Jerry app to select specific coverages you'd like included in your insurance policy, including uninsured driver coverage.

Is minimum liability coverage the most cost effective option?

No. Despite relatively high limits, West Virginia’s state-minimum insurance is typically insufficient to cover the entire cost if you’re involved in a car accident. 
Here’s why:
  • If you’re at fault in a serious car accident, West Virginia state-minimum coverage may not be enough to protect you from lawsuits. According to data published by the Insurance Information Institute (III), the average bodily injury liability claim in 2021 was $22,734, while the average property damage claim was $5,314.1 Claims following severe accidents were much higher, so without higher liability limits, you may not have enough coverage to avoid getting sued.
  • Uninsured motorist coverage only applies when you’re less than 50% at fault: If you’re found mostly at fault in an accident, and you don’t have comprehensive or collision coverage, you’ll have to pay out of pocket for your medical expenses and damage repairs.
  • Liability coverage will not pay for damages caused by weather, theft, or vandalism.
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Most drivers in West Virginia need a policy that includes at least the following:
  • $100,000 per person/$300,000 per accident of bodily injury liability coverage
  • $100,000 of property damage liability coverage
  • Collision coverage
    and
    comprehensive coverage
    to replace the vehicle in the event of a total loss
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Expert Insurance Agent Insight

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Vice President Insurance Operations
A general rule that I recommend is to carry enough coverage to protect your current and future assets – at least $100,000/$300,000 of liability coverage is recommended, but you may need more coverage depending on your financial situation.
The average cost for minimum coverage liability insurance in West Virginia is $109 per month or $1,309 per year, while
full coverage auto insurance
averages $250 per month or $3,006 per year. Despite higher auto insurance rates, the financial and legal security offered by higher coverage limits and physical damage protections makes full coverage the more cost effective option. 
To keep your full coverage insurance costs low, select a higher deductible for comprehensive and collision policies.
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Remember: Car insurance providers use a variety of factors, including selected coverage options, age, vehicle type, zip code, and driving record, when
calculating car insurance premiums
, so you should expect variations between average car insurance quotes for different drivers and from different car insurance companies.
That’s why comparing rates with Jerry from at least a handful of providers is the best way to ensure you get the best price on coverage.
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If you lease or finance a vehicle, your bank or lender may require you to purchase physical damage coverage—comprehensive and collision insurance—on top of liability insurance.

Optional coverages in West Virginia

In addition to increased minimum amounts of liability coverage, it’s a good idea to consider adding options coverages to your car insurance policy, such as:
  • Comprehensive insurance
    can cover the costs of physical damages to your vehicle resulting from events like vandalism, theft, or severe weather.
  • Collision insurance
    can help you cover the cost of repairs for your vehicle following a collision with another vehicle or object.
  • Underinsured motorist coverage
    will help bridge the gap if you’re involved in an accident caused by a driver whose liability limits won’t quite cover all your damages
  • Medical payments coverage (MedPay)
    helps cover the cost of medical bills or funeral expenses resulting from a collision. 
  • Roadside assistance
    helps with things like flat tires, towing, or jumpstarting a battery.
  • Rental car reimbursement
    will help cover the cost of a rental vehicle if you cannot drive your car as the result of a covered accident.
Drivers who finance or lease their motor vehicles may also consider adding
gap insurance
to their policy to cover them during the time when they owe more than the car’s actual cash value.

Penalties for driving without insurance in West Virginia

Driving without insurance in West Virginia is a misdemeanor offense2 that carries serious repercussions3, including:

FAQs

West Virginia law requires all registered vehicles to be insured and their drivers to carry proof of insurance for a policy with at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, $25,000 per accident in property damage liability coverage and uninsured motorist bodily injury and property damage coverage with matching limits.

Is it illegal to drive without insurance in WV?

Yes. Driving without insurance in West Virginia is considered a misdemeanor.

Can you get car insurance without a license in West Virginia?

Technically, yes, but you must list a primary driver with a valid license on the policy to finalize it.

Is West Virginia a no-fault state?

No. West Virginia is an
“at-fault”
or tort state. This means the person responsible for a vehicle accident is responsible for paying for the not-at-fault parties’ injuries and property damage.

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