West Virginia Auto Insurance

The Mountain State

Compare Insurance Quotes From Multiple Companies

West Virginia Auto Insurance

There’s a reason why West Virginia is called the Mountain State: Its geography is made up of 75% forested land. If you’re a lover of high altitudes, rolling hills and outdoor recreation, then you’ll love West Virginia, located in the Appalachian Mountain range.

There are many sights to see in West Virginia, which has a rich history rooted in the civil war, when it broke away from Virginia and became an independent state. You’ll need a vehicle to visit the many incredible hiking trails, state parks and museums.

This is where Auto Insurance Specialists can make your life easier. We compare coverage options and rates from several different carriers before you decide what you want and need.

Try our simple form for an AIS Instant Quote®. You’ll never believe how easy it is to get the best plan at just the right price.

Required Auto Insurance in West Virginia

In West Virginia, you must have liability and uninsured motorist coverage according to the law. Liability coverage will help cover the costs of injuries and property damage you may cause to someone else in a car accident that is your fault.

State Minimum Liability Coverage in West Virginia:

  • $25,000 for bodily injury, per person.
  • $50,000 for bodily injury, per accident in an accident.
  • $25,000 for property damage.

Uninsured and Underinsured Motorist:

You must have this type of coverage in West Virginia in case the other driver doesn’t have insurance or if his/her insurance doesn’t cover all costs. Uninsured and underinsured motorist insurance covers injuries you may incur as a result of an accident.

In West Virginia, your uninsured motorist coverage minimums are equal to the liability coverage minimums (see above). You only need the minimum requirement for uninsured motorist coverage, but car insurance providers are required to offer you the maximum limits of uninsured motorist coverage of:

  • $100,000 for bodily injury, per person.
  • $300,000 for bodily injury, per accident.
  • $50,000 for property damage.

Optional Coverage in West Virginia

While you’re not legally required  to carry the following types of coverage, you may first want to assess what the costs of an accident would be out-of-pocket without any insurance coverage at all. You may find that paying a few more dollars a month makes more sense for you. Or, you may feel that you’re financially stable enough to pay for an expensive accident.

Most West Virginia auto insurance companies offer the following types of optional coverage:

  • Collision – Helps pay for damages to your car that result from a traffic accident.
  • Comprehensive – Helps pay for damages to your car not occurring from car accidents, such as damages occurring from vandalism.
  • Medical payments
  • Towing and labor

While WV law does not require collision and comprehensive coverage, your loan or lease agreement may require you to purchase these coverage types.

Most Stolen Car Models in South Dakota

At AIS we know that the best you can do to keep your insurance rates low is to drive safely and avoid accidents, there are other factors that determine rates. One of these is your car’s make and model. If your car is a popular target for theft, your insurance rates may go up.

The following are the 10 most stolen cars in West Virginia according to The National Insurance Crime Bureau (NICB):

  1. Ford Pickup (Full Size)
  2. Chevrolet Pickup (Full Size)
  3. Chevrolet Pickup (Small Size)
  4. Jeep Cherokee/Grand Cherokee
  5. Chevrolet Cavalier
  6. Ford Pickup (Small Size)
  7. Dodge Pickup (Full Size)
  8. GMC Pickup (Full Size)
  9. Ford Explorer
  10. Honda Accord

West Virginia Insurance Discounts

At AIS we don’t underestimate how much discounts can lower your premium. Speak with us about the following auto insurance discounts that are available to West Virginia residents:

  • Multi-car
  • Good driver
  • Good student
  • Homeowners
You are leaving AIS Insurance and will be redirected to our partner site to complete your quote and purchase.