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West Virginia – Auto Insurance

Like most states, West Virginia sets requirements for minimum coverage. If you’re liable for an accident and only have minimum coverage, you could also be responsible for tens of thousands of dollars beyond what your insurance policy covered.


Auto owners must get liability insurance:

At the time of registration, you’ll be asked to sign a statement verifying that you have coverage that meets state requirements.

If you’re driving, you must be prepared to prove your vehicle is covered:

Whether you’re pulled over for a moving violation or you’re in an accident, you have the responsibility to prove you have insurance coverage on your vehicle at all times. Always carry an insurance card in your glove box.

Use these minimum requirements as a starting point for your auto insurance policy:

Mandatory minimums in West Virginia are at least $10,000 for property damage, $20,000 for injury or death, and $40,000 for injury or death of two or more persons.

Be aware of uninsured motorists:

In West Virginia, drivers who are involved in accidents involving uninsured drivers have some recourse. If an uninsured driver is at fault in an accident with you, you can request a civil judgment in your favor through civil court. If you succeed, the uninsured driver’s registration can be suspended until you are reimbursed.

Some vehicles may not apply to these state laws:

Vehicles such as farm equipment, RVs or antique cars might not need to meet these requirements. Ask the department of motor vehicles if you may be eligible for a seasonal insurance policy.

Failure to comply with state regulations can cost you:

If you fail to meet state minimum requirements, you could be fined and penalized both in a civil judgment and through fines assessed by the department of motor vehicles.

West Virginia car insurance Commission
1124 Smith Street
Charleston, WV 25301
Phone: 1-304-558-3386

Physical Address:
Consumer Service Div.
West Virginia Insurance Commission
1124 Smith Street, Room 309
Charleston, West Virginia 25301
Toll Free: 1-888-879-9842

Mailing Address:
Consumer Service Div.
West Virginia Insurance Commission
PO Box 50540
Charleston, West Virginia 25305-0540

Web Site: www.wvinsurance.gov
Email: [email protected]

 West Virginia (WV) Mandatory Auto Insurance Minimums:

  • Liability: 20/40/10 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
  • Other Mandatory Insurance: Uninsured Motorist
  • Regulations Regarding Proof of Insurance: Proof Required – When Obtaining Registration, If Involved In An Accident, If Stopped By Authorities When Driving
  • Penalties For Not Carrying Mandatory Insurance: Fine up to $5000, registration revocation, license suspension up to thirty days

Inside West Virginia – Auto Insurance