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west virginia car insurance

Surrounded by rocky peaks, Mountain State residents are pretty used to things stacking up.

Well, we have some good news if you call West Virginia home: your car insurance rates don't need to be nearly as high as your famously tall topography.

When you get a West Virginia car insurance quote from Esurance, you'll get access to our big-time discounts (seriously, you stand to save just for signing up online), modern tech tools like Express Lane® and our mobile app, and, of course, 24/7 customer service you'll want to shout about from the loftiest summit.

West Virginia car insurance discounts

Living in one of the coal-mining capitals of the U.S., West Virginians know a thing or two about spotting a diamond in the rough. Thing is, with Esurance, you don't need to look that hard.

We love it when our customers save (almost as much as you do). Which is why we pack our car insurance with enough glittering discounts to make any driver feel like a savvy shopper. When you get coverage from Esurance, you may qualify for one or more of the following perks:

  • Multi-Car discount
  • Homeowners discount
  • Fast 5® discount
  • DriveSense™ discount
  • Paid-in-Full discount
  • Switch & Save® discount
  • Claim-Free discount
  • Good Student discount

Our Renters Plus® discount*

West Virginians, now you can protect your valuables just as easily as you protect your car. With our Renters Plus discount, you can save some green on your car insurance by adding renters coverage to your policy.

Esurance discounts may vary. If you're already an Esurance policyholder and have questions about your discounts in West Virginia, give us a call at 1-800-ESURANCE (1-800-378-7262).

Auto insurance coverages in West Virginia

Required coverages

All West Virginia drivers need liability insurance, which can help pay for others' medical and property expenses if you're the at-fault driver in an accident.

You're also required to carry uninsured motorist coverage, both bodily injury and property damage, to protect your finances from drivers without insurance. However, you may reject uninsured motorist coverage in writing if you want to be excused from this requirement.

The state requires you to maintain coverages with at least the following limits:

  • $20,000 in bodily injury liability coverage per person
  • $40,000 in bodily injury liability coverage per incident
  • $10,000 in property damage liability coverage per incident

The same minimum limits apply to uninsured motorist bodily injury coverage and uninsured motorist property damage coverage.

You'll commonly see these coverage limits listed as 20/40/10.

Optional coverages from Esurance

Besides the required coverages all West Virginians must carry, Esurance also offers these optional coverages:

  • Medical payments coverage
  • Collision coverage
  • Comprehensive coverage
  • Towing and labor coverage
  • CarMatch Rental Coverage®
  • Custom parts and equipment coverage
  • Loan/lease gap coverage

With collision and comprehensive, you'll be able to choose a deductible to pay out of pocket before your coverage will kick into action.

Factors that may affect your car insurance premium

In addition to the coverages, limits, and deductibles you choose to add to your policy, the following might have an impact on what you pay:

  • Driving record
  • Claims history
  • Age, gender, and marital status
  • Credit-based insurance score
  • Make and model of your car
  • How many miles you drive
  • Where you live
  • Discounts you qualify for
  • Prior lapses in coverage

Insurance info for drivers

Proof of insurance

West Virginians are required to keep proof of coverage (in the form of a WV-1 certificate of insurance) in the car at all times.

Failure to show your proof of insurance can lead to a 30-day suspension of your drivers license plus a deactivated vehicle registration.

The state also reserves the right to request proof of insurance through the mail at any time.

Car accidents and uninsured drivers in West Virginia

West Virginia is a tort state. This means that in the event of a car accident, the at-fault driver and that driver's insurance company are financially liable for the not-at-fault driver's expenses.

Accidents with uninsured motorists

If you're struck by a driver who lacks coverage, you're allowed to seek compensation in court.

Once the court makes a ruling, you can submit that report to the DMV. The uninsured motorist may then be suspended from driving until the settlement is paid.

Uninsured drivers in West Virginia

A 2011 report from the Insurance Research Council (IRC) estimated that 11 percent of West Virginians were uninsured in 2009. That was about 3 percent lower than the national average, but it still means more than 1 in 10 drivers had no liability coverage.

Uninsured motorist coverage helps pay for medical and repair costs if you're involved in an accident with an at-fault driver who doesn't have liability insurance.

Related links

The Esurance Coverage Counselor®
Spend a few minutes with our online counselor for personalized WV coverage recommendations.

West Virginia Offices of the Insurance Commissioner
Your official state resource for any insurance-related inquiries.

Wonder if you could be saving on car insurance?

Get your free quote online

or call 1-800-378-7262