West Virginia
- ~$50–$65
- ~$150–$180
- $25K/$50K/$25K
West Virginia experiences higher than average car insurance premiums due to rural driving hazards, aging infrastructure, and a higher rate of uninsured motorists. The state uses a fault-based liability system with minimum coverage requirements.
Find a local Auto Insurance agents in your town:
West Virginia Auto Insurance Facts *
Drivers
- ~840,000–860,000 licensed drivers as of 2023.
- ~88% household vehicle ownership.
- Predominantly passenger cars and trucks.
- Uninsured motorist rate estimated at 15%.
- Limited public transportation outside major towns.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~9,800 | ~2,600 | 170 |
| 2019 | ~10,200 | ~2,700 | 180 |
| 2020 | ~9,500 | ~2,400 | 160 |
| 2021 | ~9,700 | ~2,500 | 175 |
| 2022 | ~9,900 | ~2,550 | 165 |
Laws & Regulations
- Fault-based liability system.
- Proof of insurance required at registration.
- Optional med-pay and uninsured motorist coverage.
