West Virginia car insurance: minimums, prices and your estimate
West Virginia requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
West Virginia requires uninsured motorist coverage at the same 25/50/25 minimums as liability, and insurers must offer underinsured coverage. Going without insurance can lead to a license suspension, a fine of up to $5,000 and up to 1 year in jail.
- Legal minimum
- 25/50/25
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Required
- Underinsured motorist
- Must be offered; you can turn it down
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22
What drivers in West Virginia can expect to pay
Monthly ranges from our model, anchored to West Virginia's position in 7 published price studies from 2025 and 2026 ($2,600 a year for full coverage and $733 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $187-$247 | $2,600 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $53-$70 | $733 |
| Young driver, full coverage20, own policy, clean record | $347-$520 | $5,200 |
| Senior, full coverage70, clean record | $179-$238 | $2,496 |
| After one at-fault accident35, full coverage | $279-$371 | $3,900 |
| After a DUI35, full coverage | $326-$489 | $4,888 |
| Poor credit35, clean record, full coverage | $333-$478 | $4,862 |
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Rules worth knowing in West Virginia
- You can buy more uninsured motorist coverage, up to $100,000 per person and $300,000 per accident for injuries and $50,000 for property damage. The first $300 of an uninsured motorist property damage claim can be excluded.
- Underinsured motorist coverage is optional, but insurers must offer it up to your liability limits.
- West Virginia has no PIP requirement, and the law does not require medical payments coverage.
- A first offense for not keeping insurance brings a 30-day license suspension, or you can pay a $200 penalty fee in advance instead. A second offense within 5 years brings a 90-day suspension and loss of your registration until you show proof of insurance.
- Not keeping insurance is also a misdemeanor, with a fine of $200 to $5,000, 15 days to 1 year in jail, or both.
- West Virginia may require proof of future financial responsibility, commonly filed as an SR-22, and the state sets how long you must keep it, so check the period with the West Virginia DMV.
Questions about West Virginia car insurance
What is the minimum car insurance in West Virginia?
West Virginia requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
How much is car insurance in West Virginia per month?
For a 35-year-old with a clean record, our model puts full coverage at about $187 to $247 a month and state-minimum coverage at about $53 to $70. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is West Virginia a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in West Virginia use my credit score?
Yes. Many insurers in West Virginia use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in West Virginia?
Only if a court or the state requires one, usually after a serious violation or a lapse. West Virginia may require proof of future financial responsibility, commonly filed as an SR-22, and the state sets how long you must keep it, so check the period with the West Virginia DMV.