West Virginia Auto Insurance Requirements
West Virginia is a “Tort” state, simply meaning that as a driver in the state, you are financially responsible for all damages and injuries that are the result of an accident for which you are at fault.
For this reason, West Virginia’s insurance laws require you to carry auto liability insurance with minimum levels of 20/40/10 (see the chart below). This will serve as proof that you are financially responsible.
West Virginia does not require but encourages you to carry uninsured motorist coverage in your policy, also with levels of 20/40/10 (see the chart below). This coverage will help to pay for your expenses in the event that you are struck by an uninsured or underinsured motorist.
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For additional protection, West Virginians may opt to include underinsured motorist, collision, comprehensive and medical benefits to compliment their auto insurance policy.
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Required? |
Minimum Coverage Amount Required |
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You may want to consider purchasing limits of coverage higher than those required by law to protect your assets or property, as you may be personally responsible for any damages above the policy limits.
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Auto Insurance for Leased Vehicles in West Virginia (WV)
Most leasing companies in West Virginia typically require drivers to maintain insurance coverage which exceeds the minimums set by West Virginia state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:
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West Virginia Division of Motor Vehicles
Building 3, Room 113
1800 Kanawha Boulevard East
Charleston, WV 25317
www.wvdot.com/6_motorists/dmv/6G_dmv.htm |
West Virginia Insurance Commission
1124 Smith Street, Rm 309
Charleston, WV 25301
www.wvinsurance.gov |
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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.
Last Updated: February 14, 2008
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