West Virginia car insurance

If you enjoy taking a scenic drive through New River Gorge National Park, or if you live and drive in Charleston or Huntington, we're here to help with auto insurance for West Virginia that protects your wallet from the unexpected. Learn more about West Virginia car insurance, including requirements and a few optional coverages that might be right for your needs.

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Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

What are West Virginia's minimum auto insurance requirements?

Drivers in West Virginia are legally required to have auto liability coverage (BI liability and PD liability), and uninsured/underinsured motorist (UM/UIM) bodily injury and property damage coverage, at the following minimum limits:

Coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversDamage you cause to other people's property in an accident	Minimum amount$25,000 per accident
UM/UIM bodily injury	What it coversYour medical expenses an uninsured or underinsured driver causes	Minimum amount$25,000 per person $50,000 per accident
UM/UIM property damage	What it coversDamage to your property an uninsured or underinsured driver causes	Minimum amount$25,000 with a $300 deductible

While these are West Virginia's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is West Virginia a no-fault state?

No. West Virginia is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.

How much is car insurance in West Virginia?

The average cost of a six-month liability-only policy in a medium-cost state like West Virginia is $105.36 per month.^* Your location, driving history, and the limits and coverages you choose can all impact the price of your car insurance. Learn more about what goes into the cost of car insurance.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $800 on average.^† Get an auto insurance quote today.

What is the best car insurance in West Virginia?

Finding the best car insurance in West Virginia means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in West Virginia get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.^**

If you're looking for the cheapest car insurance in West Virginia, here's how much drivers nationwide who save after switching to Progressive save on average compared to their previous auto insurer:

GEICO customers who switch and save with Progressive save $740 on average^§
State Farm customers who switch and save with Progressive save $565 on average^‡

How do I lower my car insurance cost in West Virginia?

To lower your car insurance cost in West Virginia, you may qualify for the following discounts through Progressive:

Three-year safe driving
Homeowner
Online quote
Five-year claim-free
Five-year accident-free
Multi-policy
Multi-car

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in West Virginia is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.^†

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to West Virginia's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages, and our car insurance calculator, to find which ones are recommended for you.

West Virginia driving resources

From Morgantown to Parkersburg, get to know West Virginia's driving laws and resources. These resources apply to Wheeling, Weirton, and everywhere in between. Local municipalities may have additional laws and resources.

West Virginia Division of Motor Vehicles: Learn about how to get a REAL ID, renew your vehicle registration, get WV license plates, and more.
West Virginia Parkways Authority traveler tips: Review safety tips about using toll plazas, as well as driving tips for holidays, summer weekends, and adverse weather conditions.
West Virginia DMV driving FAQs: Get answers to your questions about what documents you need to bring to the DMV, where to find certified documents, change your name, how to renew your license plates, and many additional driver services.
Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.