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.
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.
