Car insurance in West Virginia
West Virginia is an at-fault state with a minimum liability requirement of 25/50/25. Here's what that means, what it costs, and what to check before you buy.
What the minimums actually mean
$25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.
UM is required at least at liability minimums, and UIM is also required. UNCERTAIN: a reported change effective January 1, 2026 would further strengthen the UIM mandate to match UM limits, but this could not be independently confirmed as having taken effect on schedule - flag for a follow-up check.
Estimated cost
$566 a year for minimum coverage, $2,162 for full coverage2
Average annual premiums in West Virginia for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.
Why this is an average, not a quote
SR-22 & high-risk filings
Typically required after a DUI, driving without insurance, or an at-fault accident while uninsured, generally maintained 3 years from filing.
Local conditions worth knowing
West Virginia's mountainous, rural, and often poorly-lit or curvy roads correlate with a traffic fatality rate well above the national average.
Frequently asked
- What is the minimum car insurance requirement in West Virginia?
- West Virginia requires liability limits of at least 25/50/25. $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.
- Is West Virginia an at-fault or no-fault state?
- West Virginia is an at-fault state for car insurance claims.
- Do I need an SR-22 in West Virginia?
- Typically required after a DUI, driving without insurance, or an at-fault accident while uninsured, generally maintained 3 years from filing.
- Is uninsured motorist coverage required in West Virginia?
- UM is required at least at liability minimums, and UIM is also required. UNCERTAIN: a reported change effective January 1, 2026 would further strengthen the UIM mandate to match UM limits, but this could not be independently confirmed as having taken effect on schedule - flag for a follow-up check.
Sources
- MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
- Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.
Figures checked against these sources on October 2, 2026.
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