Get a quote

Better rates for better drivers in West Virginia

See how much you could save.

Check our prices
Orange sedan drives into smartphone screen showing a cityscape

Fair and affordable car insurance in WV

From Morgantown to Charleston and Huntington to Parkersburg, good drivers in West Virginia can get great coverage at affordable rates with Root. Just download our app, start your test drive, and see if your good driving will save you money on West Virginia auto insurance. 

How it works

Traditional car insurance companies base your rate on demographics. That means you’re paying based on your age, ZIP code, marital status, and other factors that have nothing to do with your driving habits. We don’t think that’s fair. That’s why Root bases your insurance rate primarily on how you drive.

Orange Root logo

Download the app

Visit the App Store or Google Play. Sign up in less than a minute.

White outline of a car surrounded by black circle

Drive around

We use your smartphone to measure your driving behavior. Better driving = more savings.

White outline of a driver's license in black circle

Get your quote

You can customize and purchase your policy, all in the Root app.

State requirements for car insurance in West Virginia

What are the minimum auto insurance requirements in WV?

It’s required in West Virginia to carry Liability coverage, Uninsured Motorist Bodily Injury coverage, and Uninsured Motorist Property Damage coverage if you’re going to operate a vehicle. You could face fines and penalties if you’re found driving without these coverages.

You’re also required to show proof of insurance if you’re stopped by a police officer. Since West Virginia accepts electronic proof of insurance, you’ll always have your insurance card in the Root app. It’s legal proof of coverage that you can access conveniently from your phone.

Liability coverage

West Virginia law requires that you carry the state minimum amounts of Liability coverage. If you’re caught without it, you can be fined $200 to $5,000, have your license suspended for 30 days, and have your registration revoked for a first-time offense. For a second-time offense, the same penalties apply, plus the possibility of 15 days to 1 year in jail.

Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what MedPay coverages are for). It also doesn’t cover your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid major expenses in the event of a large accident.

Minimum required Liability coverage in WV: 

  • $25,000 Bodily Injury (per person)

  • $50,000 Bodily Injury (per accident – multiple people injured)

  • $25,000 Property Damage

Uninsured Motorist Bodily Injury and Uninsured Motorist Property Damage

Drivers in West Virginia are legally required to carry Uninsured Motorist Bodily Injury and Uninsured Motorist Property Damage. These coverages protect you if you’re in an accident with an uninsured driver. Without it, you’re breaking the law and you risk major expenses if an uninsured motorist hits you. 

Minimum required UM Bodily Injury and UM Property Damage in WV:

  • $25,000 Bodily Injury (per person)

  • $50,000 Bodily Injury (per accident – multiple people injured)

  • $25,000 Property Damage

What other coverages does Root offer?

Black and white starburst icon indicating a car accident


Black and white icon showing a hand holding a key

Rental Car coverage

Black and white shield icon

Personal Injury Protection

Black and white red cross icon

Medical Payments


Black and white icon indicating a car surrounded by flood waters


(including glass coverage)

Black and white icon showing tow hook

Roadside Assistance

(included with every Root policy)

What is the average cost of car insurance in West Virginia?

The average West Virginian pays $1,451 [1] per year for their auto insurance policy, but many people pay much more. With Root, good drivers could save up to $900 a year. It’s easy. Just download the app to get started. 

Orange Root app logo

Start saving on auto insurance in WV

Get a car insurance quote based primarily on how you drive. You could save hundreds.

Get a quote


  1. Annual average rates were compiled in April 2020

Additional Resources

Car insurance FAQCar insurance coverageRenters insuranceClaimsTest driveReferralsContactInvestor relations
PressBlogTerms and conditionsPrivacy policyApp license agreementUGC privacy noticeWeather related eventsNon-weather emergenciesSitemapDo not sell or share my personal informationManage Cookies

Root Inc.

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2024. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit for more information. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.