Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

Full Bio →

Written by

Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

Full Bio →

Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Jul 10, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right cheap car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Car insurance comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

West Virginia car insurance requirements are similar to most states. Auto insurance is both mandatory with minimum levels of coverage required. What’s interesting about West Virginia car insurance are the average premiums are 10% higher than the national average (in the top 30% of the country) yet is home to one of the smallest markets in the nation.

There are over 80 car insurance companies licensed in West Virginia but in terms of risk West Virginia drivers rank much higher than states such as Florida, New York and Texas.

West Virginia Car Insurance Companies

Any driver should always compare car insurance companies – especially in states with higher than average auto insurance rates. Some of the top insurers in West Virginia include:

With almost 80 companies to choose from finding an auto insurer will not be difficult but learn about car insurance discounts before starting any kind of comparison search. Even a simple thing as having 2 policies with the same insurer can save you up to 10% or more on premiums.

Take a look at how state minimum car insurance rates vary from state to state.

View as image

West Virginia Auto Insurance Requirements

West Virginia car insurance laws make it mandatory for all vehicles to carry both liability and uninsured motorist (UM) insurance with at least 20/40/10 coverage which means:

Liability Insurance

  • Bodily Injury: $20,000 / $40,000
  • Property Damage: $10,000

Uninsured Motorist Insurance

  • Bodily Injury: $20,000 / $40,000
  • Property Damage: $10,000

Let’s take a look at the average monthly car insurance rates.

View as image

Let’s take a closer look at how ZIP codes affect car insurance in West Virginia.

View as image

Age and gender will affect your car insurance. Younger drivers are often in a high risk class. See if the gender stereotype (males pay more) holds true in WV.

View as image

Take a look at these 6 major factors affecting auto insurance rates in West Virginia.

View as image

Now let’s see who is the cheapest car insurance company in WV.

View as image

Who are the largest car insurance companies in West Virginia?

View as image

How to buy car insurance in West Virginia?

No matter where you live drivers have many options to purchase car insurance. You can opt to purchase direct through providers, use an independent agent or simply contact a car insurance broker. Most customers today are buying car insurance direct from auto insurance providers. This is simply due to the increase of internet usage for common financial services and what better way to compare car insurance companies than using the power of online research.

Need Auto Insurance – Compare Car Insurance in West Virginia Today!