What car insurance is required in West Virginia?

In West Virginia, it's illegal to drive without insurance. Drivers in West Virginia are required to have car insurance coverage for Bodily Injury to others Property Damage Liability Uninsured Motorist Bodily Injury Uninsured Motorist Property Damage

What's considered "full coverage" car insurance in West Virginia?

"Full coverage" car insurance can mean different things to different people. Legally, in the state of West Virginia you're only required to have the state Liability minimums of 30/60/25. However, " full car coverage " or "full coverage" is often thought of as having the state minimums and Comprehensive Coverage : helps pay for damages caused by events like hail, fire, or theft Collision Coverage : helps cover the cost to fix damage to your car from an accident with another car

What liability insurance is required in West Virginia?

West Virginia law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It's important to know this coverage doesn't cover you, your car, or your personal belongings. Drivers must have a car insurance policy with the minimum coverages of Bodily Injury Liability: $25,000 per person and $50,000 per accident Property Damage Liability: $25,000 per accident Uninsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident Uninsured Motorist Property Damage: $25,000 per accident

Is West Virginia a no-fault insurance state?

No, West Virginia is not a no-fault insurance state. This means a driver that causes an accident is also responsible for paying for the damage. Although many drivers have insurance to help cover these costs, some don't. These drivers can be either underinsured or uninsured. Due to this, West Virginia drivers may want to consider additional coverages Personal Injury Protection (PIP) Uninsured Motorist Coverage

What's the average cost of car insurance in West Virginia?

The average cost of car insurance in West Virginia was $1,498 in 2021 according to thezebra.com. That's 2% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

What's the best car insurance in West Virginia?

Liberty Mutual knows that everyone has different needs for their West Virginia auto insurance. Some may want the cheapest West Virginia car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your West Virginia car insurance, so you only pay for what you need.

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6 main types of car insurance

What are the 6 main types of car insurance coverage?

As a driver, you have a lot of car insurance coverages to choose from. Some are required by your state, and others are optional—but recommended for extra protection.

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Main types of car insurance

The 6 main types of car insurance coverage that you should know about before getting a car insurance quote or changing your policy are:

Liability
Medical Payments
Personal Injury Protection
Collision
Comprehensive
Uninsured Motorist

Please note, you'll need to pick the amount of each coverage to best meet your needs.

Coverage Types

Required

Required in Some States

Optional

1. Liability
Bodily Injury Liability helps cover other people's medical expenses if you cause an accident.

Property Damage Liability helps cover damages you cause to other people's property in an accident.

2. Medical Payments help pay for your initial medical expenses if you're hurt in an accident, regardless of who is at-fault.

3. Personal Injury Protection (PIP) helps cover other people's medical expenses if you cause an accident.

4. Collision coverage pays for damages to your vehicle from colliding with another vehicle or object, like a tree or guardrail.

5. Comprehensive coverage pays for damages to your vehicle from things other than collisions like hail, theft, or impact with an animal.

6. Uninsured Motorist (UM)
Uninsured Motorist Bodily Injury: Helps pay for your injuries if the at-fault driver is uninsured.

Uninsured Motorist Property Damage: Helps pay for your car's repairs if the at-fault driver is uninsured.

Other common optional car insurance coverages include:

New Car Replacement™
Gap Coverage
24-Hour Roadside Assist
Original Parts Replacement
Rental Car Reimbursement

Other Optional Coverages	For What
1. New Vehicle Replacement™¹ helps if your new car is stolen or totaled in the first year, you'll get the money for a brand-new car, not just the depreciated value.	Your car (and your wallet!)
2. Gap Coverage helps if your car is totaled or stolen, and its value is lower than the amount remaining on your loan, this will cover the remaining amount you owe.	Your car (and your wallet!)
3. 24-Hour Roadside Assistance² pays for towing costs or onsite repairs if your vehicle breaks down. We'll pay the full cost of towing if you use our services, or help cover the cost if you make your own arrangements.	Your car
4. OEM New Replacement Parts³ helps replace any damaged parts to your vehicle with parts that meet the highest quality standards.	Your car
5. Rental Car Reimbursement⁴ helps pay for a rental car while your vehicle is being repaired after an accident.	Your wallet

We know choosing car insurance coverage can be confusing! When you get a quote with us, we'll make sure you meet your state's required minimum coverages (often referred to as “basic car insurance”). We'll also explain optional coverages that can add extra protection.

At Liberty Mutual, you could save money on car insurance by only paying for what you need. It's still car insurance, just customized for you.

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Please note: Information presented on this page is intended to be general information about insurance and is not specific to Liberty Mutual policies. Policies and coverages vary by state and insurer. Contact your insurance company to understand specifics regarding your policy and coverages.

What are the 6 main types of car insurance coverage?

Main types of car insurance

Coverage Types

Other Optional Coverages

For What

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