SR-22 Insurance in West Virginia
Figures updated
In West Virginia, three things matter here: who must file, how long the filing lasts, and what the state fee is.
- proof your coverage is current comes on the WV Certificate of Insurance, form WV-1B. It's the form the state asks for.
- the minimum liability limits are 25/50/25.
- 32nd of 51most expensive state (1st = highest)
SR-22 requirements for West Virginia
After a serious offense, West Virginia asks for a filing. It shows coverage is current on the WV Certificate of Insurance, form WV-1B.
An owner caught without legally required insurance receives a license suspension of 30 days for a first offense. Until current proof of insurance for all registered vehicles is presented, the suspension stays in effect. If you commit another offense within five years, the suspension lasts 90 days.
| Rule | West Virginia |
|---|---|
| Form | current insurance proof (WV Certificate of Insurance, form WV-1B) |
| Liability it must prove | 25/50/25 |
Source: Consumer Insurance Information | WV Division of Motor Vehicles; West Virginia Code | §17D-2A-7.
How it affects your price
The filing costs little, but the offense behind it increases your premium.
State rate guides we rely on show one at-fault accident raising rates about 1.5 times.
With the West Virginia liability average at $567, that works out to about $850 a year.
Getting a filing
- Request that your insurer file the form with the state, since some companies don't.
- Don't own a car? A non-owner coverage policy can include the filing.
- Continue paying for the policy. The state receives notice of any lapse, which can restart the clock.
More car insurance information for West Virginia
Originally written on