west virginia car insurance
Welcome to our guide to West Virginia car insurance. Browse through info on liability insurance requirements, possible discounts, and a whole lot more.
West Virginia car insurance discounts
Living in one of the coal-mining capitals of the U.S., West Virginians know a thing or 2 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
- Claim-Free discount
- Paid-in-Full discount
- Switch & Save® discount
- On-time Payment discount
- Good Student discount
Auto insurance coverages in West Virginia
In West Virginia, you 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 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.
West Virginia driver info
Stats, facts, laws, and licensing info that's of interest to West Virginia drivers.
West Virginia Offices of the Insurance Commissioner
Your official state resource for any insurance-related inquiries.