Car Insurance in West Virginia
Figures updated
Drivers in West Virginia: what they pay, the legal minimum and who offers the lowest rates.
- $114.the monthly average for full coverage.
- 25/50/25.the lowest liability limits.
- The 32nd most expensive of 51 states.(1st = highest).
How much car insurance costs in West Virginia
Full coverage costs $1,367 a year for the average West Virginia driver, or about $114 a month. Policies that carry just the legal minimum average $567 a year. The US average comes to $1,613 a year, so that figure is 15% lower.
| Coverage in West Virginia | Per year | Per month |
|---|---|---|
| Liability | $567 | $47 |
| Collision | $441 | $37 |
| Comprehensive | $359 | $30 |
| Full coverage (all three) | $1,367 | $114 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
West Virginia's legal minimum
Drivers in West Virginia must carry at least 25/50/25 liability coverage. The limits are $25,000 for each person hurt and $50,000 for all people hurt in one crash. Damage to other people's property also has a $25,000 limit.
West Virginia follows an at-fault system, so the driver responsible for a crash pays using their liability coverage.
You must have uninsured motorist cover.
Source: West Virginia Offices of the Insurance Commissioner, Mandatory Limits.
How many drivers in West Virginia are uninsured?
In 2023, about 8% of West Virginia drivers had no car insurance, the 46th highest share of the 51. If one of them hits you, uninsured motorist cover pays your bills.
More about West Virginia car insurance
Originally written