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West Virginia Car Insurance

West Virginia offers something for everyone. Outdoor enthusiasts can explore the Waterfall Trail, Lost World Caverns or the hot springs at Berkeley Springs State Park. For those who prefer a leisurely stroll, Harpers Ferry and Charleston are great destinations to experience the heart of West Virginia. Wherever your journey leads, you can feel confident knowing that Amica is there to help protect you on the road.

Amica offers customized West Virginia car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don’t settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote for coverage that meets your unique needs.

West Virginia’s auto insurance requirements

In West Virginia, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Property Damage Liability Coverage:
    • $25,000 per accident

Bodily injury liability coverage: Provides financial protection for causing bodily harm to others in an auto accident. It includes medical expenses, lost wages, pain and suffering, and rehabilitation costs. If you’re sued, your policy may also pay legal defense costs. Coverage is subject to policy limits and exclusions.

Property damage liability coverage: Coverage for damage you cause to someone else’s property in an auto accident where you’re at fault. This includes the costs of repairing or replacing the other party’s vehicle, as well as any other damaged property, such as fences or other structures. Additionally, your policy may help with legal fees if you’re sued for the property damage you caused. Coverage is subject to certain limitations and exclusions.

In addition to the minimum liability coverage requirements, if you opt for uninsured/underinsured motorist bodily injury coverage and uninsured motorist property damage coverage, West Virginia requires the following minimum limits:

  • Uninsured Motorist Bodily Injury Coverage:
    • $25,000 per person*
    • $50,000 per accident*
  • Uninsured Motorist Property Damage:
    • $25,000 per accident*

Uninsured/underinsured motorist bodily injury coverage: Provides protection if you’re injured in an accident caused by a driver who’s uninsured or doesn’t have enough coverage to pay for your medical bills and other expenses. 

Uninsured motorist property damage coverage: Helps pay for your vehicle if it’s damaged in an accident caused by an uninsured driver or by a hit-and-run driver who cannot be identified. 

*In West Virginia, these coverages can be rejected in writing.

It’s important to understand that these are just the minimum requirements, and West Virginia drivers may choose higher coverage limits for added protection.

Additional coverage considerations in West Virginia

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages West Virginia drivers might consider:

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars.
  • Collision coverage: Coverage for repairs to your vehicle if it’s damaged in a collision with another vehicle or object, regardless of fault.
  • Medical payments: This coverage can help pay for medical expenses for you and your passengers if you're injured in an accident, regardless if you're at fault for the accident. Medical payments coverage can apply to expenses including ambulance rides, hospital stays, surgery and rehabilitation.
  • Rental reimbursement: If your vehicle is damaged in an accident and needs repairs, rental reimbursement coverage pays for transportation costs. Coverage includes rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto loan/lease coverage: Coverage for the difference between what you owe on your loan or lease and the current value of your vehicle if it’s totaled in a covered accident.
  • Roadside assistance coverage: Provides roadside assistance 24/7 for issues you may face on the road like changing flat tires, jumping dead batteries, towing your car, unlocking doors and getting your car unstuck from mud or snow.
  • Repairing or replacing auto glass: Provides coverage for repair or replacement of your windshield, windows and other auto glass, without a deductible.

How West Virginia auto insurance rates are determined

There are several factors that impact auto insurance in West Virginia, including individual circumstances, location, claims in your state and more. Consider these points:

  • Driving history: Your individual driving record significantly impacts insurance premiums. Drivers in West Virginia with a history of accidents or traffic violations typically face higher rates, while those with clean records may have lower rates.
  • Coverage options and limits: The types and amounts of coverage you choose affect premiums. Opting for the minimum coverage requirements in West Virginia tends to be more affordable, whereas adding optimal coverages with higher limits may increase premiums.
  • Vehicle type: The make and model of your vehicle can influence West Virginia car insurance rates. Factors such as safety ratings, repair costs and the likelihood of theft contribute to premium calculations. 
  • Weather patterns in West Virginia: Weather-related incidents impact car insurance rates, particularly for comprehensive coverage that includes protection against damage caused by the weather.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Save more with West Virginia auto insurance discounts

Amica offers various auto insurance discounts to help West Virginia policyholders save money on their premiums.1 Here are some ways you can save:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program. 
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
    • Defensive driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning.
    • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings. 
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your West Virginia policy premium up front.

If you’re a West Virginia driver in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, policyholders can save more than 20% with a multiline discount.1

Facts and figures about West Virginia

Fun facts about West Virginia:

  • The New River Gorge Bridge is the longest steel span bridge in the U.S. and attracts hundreds of people each year during their Bridge Day Festival.2 
  • The first brick street in the world was Summer Street in Charleston in 1870.2
  • The Memorial Tunnel in Standard was the first tunnel monitored by closed-circuit television.2

Facts about driving in West Virginia:

  • If you’re a driver moving to West Virginia, you can transfer a non-expired, out-of-state license. If your out-of-state license is expired, you’ll have to take all examination tests before applying for a West Virginia driver's license.3
  • West Virginia drivers receive registration renewal reminder postcards instructing them to renew their registrations either at a regional office, kiosk or online.3 
  • Biannual state safety inspections are the law in West Virginia. When you pass your inspection, you must keep the sticker with the month and year of your next inspection on your windshield.4

How to get car insurance in West Virginia

We’re here to guide you through the process of personalizing your car insurance in West Virginia. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide guidance and help you navigate your options to find the right coverage for your needs.

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to West Virgnia drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, West Virginia drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary. 
2 West Virginia Facts and Trivia
3 West Virginia DMV
4 Driver’s Licensing Handbook 
 

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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