West Virginia Car Insurance Requirements

West Virginia car insurance requirements are 20/40/10 in both minimum liability and uninsured motorist coverage. West Virginia auto insurance regulations require all registered vehicles in the state to be insured. Get coverage today with our free comparison tool. Enter your ZIP code below to compare multiple West Virginia car insurance quotes for free.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 11, 2020

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West Virginia law requires all registered vehicles in the state to be insured and requires financial responsibility to be in the form of a car insurance policy. Penalties for not maintaining a current insurance policy can be stiff so it’s wise to stay current with West Virginia insurance rules an regulations.

The state of West Virginia follows the tort system similar to Virginia law. Under a tort system, a driver will be found to be at fault for causing an accident. The at fault party and their insurance company are then required to pay damages to the victims of an accident.

Required Coverage

All personal vehicles in West Virginia require the following liability coverage requirements:

  • Bodily Injury
  • Property Damage

Additionally, West Virginia requires:

  • Uninsured / Underinsured Bodily Injury
  • Uninsured / Underinsured Property Damage
Minimum West Virgina Car Insurance Requirements
Bodily Injury Liability $20,000 / $40,000 Limit
Property Damage Liability $10,000 Limit
Uninsured Motorist Bodily Injury $20,000 / $40,000 Limit
Uninsured Motorist Property Damage $10,000 Limit

Additional insurance coverage can include:

  • Comprehensive and Collision Coverage

Collision pays for damages after your car has been hit or in a collision. Comprehensive covers all non-collision incidents. These can include flood damage or your car being broken into. The most stolen vehicles in West Virginia shows which cars specifically can get value from getting comprehensive coverage but it is recommended that all drivers utilize this coverage for its other benefits.

Proof of Insurance and Financial Responsibility

Establishing proof of insurance and financial responsibility

  • Get a standard liability car insurance policy

Required Documentation

In order to provide proof of insurance, you can provide one of the following:

  • Form WV-1 Certificate of Insurance

You must maintain proof of insurance and financial responsibility and present it:

  • When asked by a police officer
  • When registering your vehicle
  • After an accident
  • Anytime you are operating a vehicle

Failure to Maintain Financial Responsibility Penalties

If you are unable to show proof of insurance, you can face the following penalties:

  • Suspended registration
  • Reinstatement fee of $100 plus additional fees if applicable
  • Suspension of your driver’s license plus reinstatement fees

West Virginia Insurance Agents

Charleston Car Insurance | Huntington Car Insurance | Parkersburg Car Insurance | Morgantown Car Insurance | Wheeling Car Insurance | Fairmont Car Insurance | Beckley Car Insurance | Hurricane Car Insurance | Williamson Car Insurance

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