Determining the Right Amount of WV Auto Insurance
West Virginia requires that all vehicles be insured. The right amount of insurance for a particular owner or driver will depend on personal circumstances, as well as the individual car. However, as a starting point, it is important to understand what the minimum auto insurance requirements are by state law in West Virginia. Once you're ready to start shopping for insurance, feel free to request a no-obligation quote here!
West Virginia auto insurance requirements
West Virginia requires basic auto insurance overage that is often referred to as 20/40/10 coverage with 20/40/10 UM limits. This designation means that every vehicle in the state must have the following minimum liability limits on their policy:
- Bodily Injury - $20,000 of coverage for the injury of any one person in an accident and $40,000 per accident
- Property Damage - $10,000 of coverage for any one accident.
- Uninsured/Underinsured Motorist - $20,000 to cover bodily injury for any one person and $40,000 minimum per accident, plus $10,000 minimum coverage for property damage, should you enter into a collision with an uninsured or underinsured driver
The West Virginia Department of Motor Vehicles does randomly check for the correct insurance. If a vehicle is found that is not properly covered, the driver's license and the vehicle's license plate will be suspended.
What will West Virginia auto insurance cost?
As of July 2009, residents in West Virginia paid an average of $2,080 for auto insurance premiums that year. You will have to consider your particular situation and vehicle to decide what level of insurance coverage is necessary.
All insurance companies offer different rates and packages. Comparing policies is the smartest way to start, so why wait? Request your free quote now!