Liability Car Insurance in West Virginia
Numbers refreshed
What's left out of the cheapest legal policy in West Virginia, and what it costs.
- $47.the average monthly cost for liability.
- 25/50/25.the minimum liability limits.
- 32nd of 51.the most expensive state (1st = highest).
How much liability costs in West Virginia
In West Virginia, liability-only car insurance averages $567 a year, or about $47 a month. For liability, it ranks as the 35th most expensive state.
| 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).
What you still pay with the minimum
West Virginia sets a minimum liability requirement of 25/50/25. Each person hurt is covered for $25,000, everyone hurt in one crash for $50,000, and damage to other people's property for $25,000.
Other people are the ones your liability coverage pays. Unless you add collision coverage, you pay for repairs to your own car.
Any amount above your limits after a crash can be claimed from you. Buying higher limits usually costs far less than the extra coverage it adds.
More about car insurance in the state of West Virginia
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