West Virginia Car Insurance

Compare rates from 9 car insurance companies in West Virginia.

Here's what you need to know when driving in West Virginia

Across the Mountain State, there are 79,144 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Car Insurance Laws

State minimum insurance requirements in West Virginia

In West Virginia, the state minimum coverage requirement is liability with limits of:
  • Bodily Injury Liability $20,000 per person
  • Bodily Injury Liability $40,000 per accident
  • Property Damage Liability $10,000 per accident
Optional coverage in West Virginia (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured/Underinsured Motorist Property Damage

Liability coverage is legally required in West Virginia and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In West Virginia, the minimum is listed as 20/40/10 and explained below:

$20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in West Virginia but higher coverage amounts are available with most companies.

Top West Virginia Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.

Car Insurance FAQs

Are digital insurance cards accepted in West Virginia?


What does this mean for you?

If you happen to find yourself pulled over by a police officer in West Virginia you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in West Virginia?

Uninsured Drivers in West Virginia
West Virginia




Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in West Virginia cities?

Rank City Avg. Annual Premium
1 Elkins $1,388
2 Bluefield $1,378
3 Beckley $1,378
4 Princeton $1,370
5 Oak Hill $1,362
6 Pea Ridge $1,349
7 Cross Lanes $1,340
8 Huntington $1,339
9 Nitro $1,338
10 Dunbar $1,337
11 St. Albans $1,336
12 South Charleston $1,324
13 Charleston $1,324
14 Teays Valley $1,322
15 Parkersburg $1,316
16 Vienna $1,310
17 Moundsville $1,289
18 Fairmont $1,276
19 Bridgeport $1,274
20 Clarksburg $1,271
21 Wheeling $1,265
22 Cheat Lake $1,263
23 Weirton $1,261
24 Morgantown $1,255
25 Martinsburg $1,212

Recent West Virginia Car Insurance Questions and Answers

How long into getting a new policy can I file a claim?

Dec 10, 2017
Charleston, West Virginia

I just opened a policy 2 weeks ago and now I’m having issues with my engine. I found a dead ...

If I just purchased a vehicle, how many days do I have to insure it?

May 26, 2017
Grafton, WV

I just traded in my car and financed a new vehicle. The salesperson only asked for my proof of insurance, ...

How long do I have to add my new vehicle to my existing policy?

Mar 12, 2016
Hinton, WV

My current insurance policy is covering a vehicle that I just traded in for a new car. The salesperson only ...

Driving Laws

West Virginia Texting and Driving Laws

  1. Ban on hand-held cell phones
  2. Ban on all cell phones for drivers <18 years old with Learner or Intermediate Licenses
  3. Ban on text messaging for all drivers
Alcohol Related Fatalities


Per Year in West Virginia
Annual DUI Arrests
West Virginia
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Cheap Car Insurance

It's expensive to get car insurance in West Virginia!

Dang! West Virginia is definitely not one of the cheapest states for car insurance. Dont worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Since West Virginia might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information.
What's the cheapest car insurance in West Virginia?
Rank Company Name Avg. Annual Premium
1 Erie $922
2 The Hartford $1,039
3 State Auto $1,241
4 Westfield $1,288
5 USAA $1,300
6 Progressive $1,509
7 State Farm $1,523
8 Nationwide $1,567
9 Encompass $1,604
10 GEICO $1,710
11 Motorists Mutual $1,768
12 Safeco $1,785
13 Cal Casualty $1,824
14 Allstate $2,276
15 Liberty Mutual $3,243
16 Sentry $3,884

West Virginia Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the West Virginia area, while also getting an insider view of the Mountain State.


So, West Virginia students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.