West Virginia Auto Insurance

West Virginia ranked 19th highest in the nation in 2006 as far as annual expenditure on auto premiums is concerned. Then and now, West Virginia citizens have been paying premiums that are higher than the national average. West Virginia Auto Insurance companies follow the tort law. We therefore recommend that you understand what the minimum state requirements are and then consider additional coverage you might need.

Get started by requesting a quote for affordable West Virginia auto insurance here.

West Virginia State Limits on auto insurance

In West Virginia, you are liable for Bodily Injury Liability (BIL) of $20,000 per person, bodily injury liability per event of $40,000 and $10,000 worth of property damage liability per car per accident. This is typically referred to as 20/40/10 coverage which is required by state law. Other types of coverage like comprehensive and collision are considered additional coverage, but are a small prie to pay to be fully covered.

Penalties for auto insurance non-compliance

When renewing your car registration, you will have to sign a declaration stating that you possess the required West Virginia liability auto insurance. You will have to comply with sample surveys by DMV authorities and inspection of your papers by police officers at all times. Non-compliance or not having enough insurance will result in suspension of your driving privileges for 90 days. You will have to pay about $100 for reinstatement. If a state-police secure order has been sent on your plate, you will have to pay an additional $50 penalty. Find the insurance coverage you need and for a price you can afford. Find out if you could be saving on premiums and request a quote today!