Car Insurance in West Virginia
Car Insurance Liability Requirements in West Virginia
Minimum Liability Limits in WV: 20/40/10 [ 4]
20 Required coverage up to $20,000 for one individual injured in an accident
40 Required coverage up to $40,000 for all persons injured in an accident
10 Required coverage up to $10,000 for property damage in an accident
Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
Required Car Insurance Coverage in West Virginia
Auto Insurance Coverage Requirements in WV [ 4]
Bodily injury liability coverage Property damage liability coverage Uninsured motorist coverage Car Insurance Verification Laws in West Virginia
Insurer Verification of Auto Insurance in WV [ 4]
Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.
West Virginia Car Insurance Facts, Estimates & Related Laws
West Virginia Car Insurance Facts
Average Car Insurance Rates in WV
West Virginia had the 15th highest auto insurance rates in the nation in 2010.
[ 2] Rates in WV ranked 17th in the nation in 2009.
[ 2] In 2008, WV had the 19th highest rates in the country.
Number of Auto Insurance Policies in WV
West Virginia ranked 38th in the nation in auto insurance policies in 2011 with a total of 1,323,350.
Uninsured Motorist Rate in WV
The uninsured motorist rate in WV ranked 35th in the nation in 2009.
West Virginia Distracted Driving Laws
Hand-held phone ban? Yes hand-held phone ban in place for all drivers. [ 7]
Texting-while-driving ban? Yes Texting-while-driving ban in place for all drivers. [ 7]
Young drivers cell phone ban? Yes Ban applies to drivers younger than 18 who hold either a learner's permit or an intermediate license. [ 7]
Bus driver cell phone ban? No
Enforcement of laws:
Primary enforcement in effect.
[ 7] With primary enforcement, a police officer can pull over a driver for that specific offense.
Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
West Virginia Automotive Laws
Safety Belt Laws in WV
Safety belt laws have been in place since 1993 and apply to drivers/passengers 8+ years in front seat; 8 through 17 years in all seats.
[ 7] Child restraint law in place for 7 years and younger and less than 4-feet-9-inches.
Motorcycle Helmet Laws in WV
Motorcycle helmets required for all riders.
Driver's License Renewal Cycle in WV
Renewal cycle: 5 years
West Virginia Auto & Driver Facts
West Virginia Automotive Facts
Speed Limits in WV
Rural interstates: 70 mph
[ 7] Urban interstates: 55 mph
[ 7] Other roads: 55 mph
Motor Fuel Consumption in WV
West Virginia cities collectively ranked 38th in the nation in total motor fuel consumption in 2011.
West Virginia Licensed Drivers
Licensed Drivers in WV [ 10]
Total Drivers: 1,198,837
WV has the 38th most drivers in the U.S.
Minimum Driving Age in WV [ 5]
West Virginia has a minimum driving age of 15 years.
West Virginia Auto Registrations
Auto Registrations in WV [ 8]
Registered Cars: 663,436
Registered Trucks: 732,047
Registered Motorcycles: 57,564
Total Registrations: 1,458,222
Rank: West Virginia ranked 39th in the United States in total auto registrations in 2011.
Additional information about West Virginia
About West Virginia
West Virginia has a population of approximately 1,852,994, which ranks 38th in the U.S. among all states.
More about West Virginia auto insurance
For more information about auto insurance in WV, or for additional resources regarding
West Virginia car insurance, visit the West Virginia Department of Insurance.
Did you know?
California has a program that offers low-cost auto policies to low-income drivers (California Assigned Risk Program).
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration