Cheap car insurance in West Virginia for good drivers
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Affordable West Virginia car insurance that puts you first
Root rewards West Virginia drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized West Virginia auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your West Virginia auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in the Mountain State
West Virginia lives up to its Mountain State name from the driver’s seat. Charleston, Morgantown, Huntington, and Wheeling are connected by roads that wind through some seriously varied terrain.
Mountain miles: I-64, I-77, and I-79 connect Charleston with communities throughout West Virginia, often through steep and winding terrain.
An iconic crossing: The New River Gorge Bridge carries US 19 high above the New River, while routes farther north connect Morgantown and Wheeling with neighboring states.
Know the rules of the road: Review West Virginia traffic laws in Chapter 17C of the state code or visit the West Virginia DMV for driver and vehicle information.
From Charleston to Morgantown and beyond: Explore West Virginia car insurance from Root.
West Virginia's minimum auto insurance requirements
To legally operate a vehicle in West Virginia, you must carry Liability insurance for bodily injury and property damage, as well as Uninsured Motorist Bodily Injury and Property Damage coverage.
The minimum coverage amounts required for drivers in West Virginia are [1]:
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$25,000 per accident
Uninsured motorist bodily injury
$25,000 per person
$50,000 per accident
Uninsured motorist property damage
$25,000 per accident
Types of West Virginia auto insurance we offer
Explore our West Virginia car insurance coverage options available below. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
MedPay coverage
MedPay insurance helps cover eligible medical expenses like hospital or ambulance bills if you or your passengers are injured in an accident.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in West Virginia?
The average West Virginia driver pays $2,415 for full coverage car insurance [2].
Root customers looking to purchase West Virginia car insurance could save up to $1,300 a year.
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West Virginia Auto Insurance FAQs
What is the minimum car insurance required in West Virginia?
To legally operate a vehicle in West Virginia, you must carry liability insurance and uninsured motorist coverage.
To avoid serious expenses in the event of a major accident, you should consider coverage that protects:
You and your passengers (MedPay coverage)
Your vehicle (collision and comprehensive)
However, liability insurance and uninsured motorist coverage are the only coverages you are legally required to select when purchasing auto insurance in West Virginia.
Is it legal to drive without insurance in West Virginia?
No, you cannot legally drive without auto insurance in West Virginia. State law requires every driver and vehicle owner to maintain continuous liability insurance and uninsured motorist coverage and carry proof of it inside the vehicle. If you’re found driving without insurance, your driver’s license or vehicle registration could be suspended.
Do you need insurance to register a vehicle in West Virginia?
Yes. West Virginia requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.
How do I lower my car insurance rate in West Virginia?
The easiest ways to save on your West Virginia car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Mountain State.
Is West Virginia a no-fault car insurance state?
No, West Virginia is not a no-fault state. It is an at-fault (or fault-based) state for car accidents. The driver who causes the crash is responsible for paying for medical bills, car repairs, and other damages through their insurance.
Is auto collision insurance required in West Virginia?
West Virginia law does not require drivers to carry collision coverage. The state only requires minimum liability insurance and uninsured motorist coverage. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.
Is uninsured motorist coverage required in West Virginia?
Yes, West Virginia requires drivers to carry Uninsured Motorist Bodily Injury and Property Damage coverage. Underinsured Motorist Bodily Injury and Property Damage coverages are optional and can be rejected. You can review your uninsured/underinsured motorist coverage options, including higher limits, in our app.
Does Root offer full coverage car insurance in West Virginia?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages.
Who needs SR-22 insurance in West Virginia?
No, West Virginia does not require or use SR-22 filings. Instead, drivers who need to reinstate a suspended license may need to provide proof that they carry the state's minimum auto liability insurance.
Your insurance carrier can issue a WV-1B Certificate of Insurance, which you provide to the West Virginia DMV along with any required reinstatement fee. Unlike an SR-22, the WV-1B does not require an ongoing multi-year filing period or annual renewal filings with the state.
What happens if I'm partly at fault for an accident in West Virginia?
West Virginia uses a modified comparative fault rule with a 51% bar. You can recover damages as long as your share of fault isn't greater than that of the other parties combined, though your compensation is reduced by your percentage of fault. If you're found 51% or more at fault, you can't recover damages.
Helpful resources for West Virginia drivers
West Virginia Division of Motor Vehicles
The West Virginia DMV issues driver's licenses and ID cards, manages vehicle titles and registrations, and maintains driving records.
West Virginia Traffic Laws
Review traffic laws in the state of West Virginia in Chapter 17C of the West Virginia Code.
West Virginia Offices of the Insurance Commissioner
The Offices of the Insurance Commissioner regulate insurance in West Virginia and help consumers with auto insurance complaints.
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References
West Virginia Offices of the Insurance Commissioner. Auto Mandatory Limits.
Insure.com. Annual average rates were compiled in 2026.