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 at-fault state for car insurance claims.

Field report · WV

Car insurance in West Virginia

West Virginia is a at-fault state with a minimum liability requirement of25/50/25. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/25

Fault systemAt-fault

Uninsured motoristRequired

RegulatorWest Virginia Division of Motor Vehicles (WV DMV)

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

Illustrative estimate: roughly $550-$600/year for minimum coverage; full coverage runs much higher.

Why this is a range, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use ourcost calculator for a figure based on your own details, orget matched with carriers directly.

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 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.

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