West Virginia Auto Insurance Rates & Requirements
West Virginia requires 25/50/25 liability coverage and is an at-fault state.
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West Virginia at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
West Virginia operates as a traditional tort state, meaning at-fault drivers are financially responsible for damages they cause. All drivers must carry proof of financial responsibility, typically satisfied through liability insurance, and must present it during traffic stops or after accidents. The West Virginia Insurance Commissioner enforces these requirements through the state's electronic verification system, which cross-checks registration records against active policies.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
about $89/mo
Average car insurance spending in West Virginia
Rate data: NAIC Auto Insurance Database, 2023
Find Out What Your Coverage Should Cost
Compare Rates and Get CoveredFrequently Asked Questions
Is West Virginia a no-fault state for car insurance?
No. West Virginia is a traditional tort state, meaning the at-fault driver is financially responsible for injuries and damages they cause. You can file a claim against the at-fault driver's liability insurance or sue them directly if their coverage is insufficient. This contrasts with no-fault states where each driver's own insurance pays for their injuries regardless of fault.
Does car insurance cover hitting a deer in West Virginia?
Comprehensive coverage pays for deer strike damage, minus your deductible. Liability and collision coverage do not cover animal collisions. With over 4,000 reported deer-vehicle crashes annually in West Virginia — concentrated in forested counties during fall — comprehensive coverage addresses this specific risk. If you only carry the state minimum liability, you pay for deer damage out-of-pocket.
How long do I need SR-22 insurance in West Virginia?
West Virginia requires SR-22 filing for three years following license suspension for DUI, reckless driving, or driving without insurance. Your insurer files the SR-22 certificate with the DMV to prove continuous coverage. Any lapse in coverage triggers automatic license suspension. After three years of continuous coverage without violations, the SR-22 requirement ends and rates typically decrease.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. West Virginia's 25/50/25 minimum is the floor, not a recommendation — serious accidents often generate claims exceeding $100,000.
Full Coverage
Combines liability, collision, and comprehensive coverage. Protects both your legal exposure and your vehicle investment in a single package.
Comprehensive Coverage
Pays for non-collision damage including animal strikes, weather events, theft, and vandalism. Covers deer hits — the most common comprehensive claim in West Virginia.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient limits. Steps in when the at-fault driver cannot pay for your injuries or vehicle damage.
Collision Coverage
Repairs or replaces your vehicle after accidents regardless of fault. Pays out after your deductible, typically $500–$1,000.
SR-22 Insurance
Not a coverage type but a certificate proving you carry insurance, filed by your insurer with the West Virginia DMV after license suspension for DUI, reckless driving, or driving uninsured.