West Virginia Auto Insurance (WV)

The state motto of West Virginia, "Montani semper liberi ("Mountaineers are always free")" doesn't free them from paying for their auto insurance.

West Virginians have come up with many ways to save money, and the best way for them to save money on their auto insurance premiums is to use the services of InsuranceUSA.com. This online insurance marketplace allows you to obtain the most affordable insurance rates available in the state of West Virginia. They provide excellent resources, so you can compare and find great rates. When you compare rates from many companies, you will get an insurance policy that fits your special needs, plus you get the lowest rates. InsuranceUSA.com offers this convenient way to purchase all your automobile insurance policies, saving you both time and money.



InsuranceUSA.com offers auto insurance for all West Virginia residents. Obtain a free quote for your city today.

In 2004, West Virginia residents paid $875 for insurance for the year according to the Insurance Information Institute. A year later, in 2005, the same consumers were paying $857 a year which illustrates a 2.1% reduction in the cost of insurance. This 2.1% reduction is in striking contrast to the 10.04% yearly increase that most West Virginia residents were growing accustomed to. Basically, the year 2005 is the first year where West Virginia consumers began to see a decrease in insurance premiums. The latter decrease can be attributed to a site like InsuranceUSA.com that helps to unite consumers with leading insurance providers offering outstanding policies and prices.

Minimum State Insurance Requirements

West Virginia State law makes provision for the Tort system to be used for determining who is at fault in an auto accident. The person at fault, and their insurance company, is responsible for paying all damages. Because the details of the tort system do vary from state to state, you should check with the state insurance regulator in your state. You can check the State Insurance Regulators page at InsuranceUSA.com for links to all state insurance regulator websites.

The minimum Bodily Injury Liability coverage in West Virginia is $20,000 per insured person, to a maximum of $40,000 per accident. The Property Damage Liability coverage in West Virginia must be a minimum of $10,000. These basic coverages are usually referred to as 10/40/10 coverage.

The state law in West Virginia does not require one to have Personal Injury Protection (PIP). This coverage pays toward "reasonable and necessary" medical expenses for those injured in your vehicle. Most insurance companies, however, do offer this optional coverage, and most people include it in their coverage.

One type of coverage you must have under West Virginia insurance law is the Uninsured/Underinsured Motorist coverage. The minimum amount required is $20,000 per person, or $40,000 per accident, to cover any bodily injury to you or your passengers that was determined to be caused by an uninsured driver.

Even if your driving record isn't perfect, or you've been tagged as a high-risk driver, InsuranceUSA.com works hard to find you the insurance rates that are the best available in West Virginia. Because of the statistics available on auto crashes and auto theft, you understand how important it is to not only protect yourself, but your property. Both our website and our services are consistently and constantly being improved, so we can provide you with the ideal place to meet all your vehicle insurance needs. In most states, we can provide you with not only a quote, but even help you purchase your policy online. You can get started by entering your zip code. You'll find great insurance rate savings in the Mountain State.

Should you need an auto insurance quote from one of the other 50 states, InsuranceUSA.com can provide you with full information. By entering your zip code above, you can quickly obtain rates.

Major West Virginia Cities

51,176

Charleston

49,198

Huntington