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west virginia car insurance that’s right for you, not someone sorta like you

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 auto 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 auto insurance with enough glittering discounts to make any driver feel like a savvy shopper. When you get insurance from Esurance, you may qualify for one or more of the following perks:

  • Multi-Car discount
  • Homeowners discount
  • Fast 5® discount
  • Paid-in-Full discount
  • Switch & Save® discount
  • Claim-Free discount
  • Good Student discount
  • Defensive Driver 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 could save some green on your car insurance just 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 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 liability insurance 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 limits listed as 20/40/10.

Optional coverages from Esurance

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

  • Medical payments
  • Underinsured motorist bodily injury
  • Underinsured motorist property damage
  • Collision
  • Comprehensive
  • Towing and labor
  • CarMatch Rental Coverage®
  • Customized parts and equipment
  • Auto loan/lease (or "gap")

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

And we like to give you even more opportunity to choose coverage options that work for you and your life. Esurance's CoverageMyWay™ helps you prioritize coverage options based on the information you provide to help you choose what you feel is right for you. All you have to do is start your personalized quote to let our intuitive technology go to work for you.

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:

  • Claim history and driving record
  • Age, gender, and marital status
  • Credit-based insurance score
  • Make and model of your car
  • How many miles you drive on average
  • Location where you park your car
  • Discounts you may qualify for
  • Any prior lapses in car insurance

insurance info for drivers

West Virginia's laws on electronic proof of insurance

If you forgot to put your updated insurance cards in the glove box, worry not, Mountain State residents. State law allows you to present digital ID cards as legitimate proof of coverage if you get pulled over. And with our super convenient mobile app, Esurance customers can access electronic proof of insurance (and so much more) round-the-clock.

The state also reserves the right to request proof of insurance through the mail at any time, so it helps to keep a paper copy of your cards just in case.

Auto 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 insurance, 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 report from the Insurance Research Council estimated that 8.4 percent of West Virginians were uninsured in 2012. That was almost 4 percent lower than the national average of 12.6 percent, but that's still a lot of drivers without coverage on the road.

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

Related links

7 tips for proper car maintenance
Your beloved road warrior gets you from A to B, so it's important to show it some love too.

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

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