Auto Insurance in West Virginia

Buying a car and getting a loan are time-consuming processes that involve a lot of research and careful consideration. But before thinking that your West Virginia car loan was the last step, think again: You'll need to get auto insurance. Consumers across the country need auto insurance that meets at least their state's minimum requirements. But those consumers who take out auto loans also will need to obtain coverage that protects the lien holder of their auto loan. Ask your lender if there are any specific requirements you must meet.

West Virginia auto insurance laws

If you're going to own a car and register it in West Virginia, be sure you have auto insurance that at least meets these state requirements. Most insurance experts strongly recommend obtaining insurance that greatly exceeds state standards. Note that insurance will only provide the protection outlined in the policy – if you're liable for property damage or injuries beyond the limits of your policy, you will need to find the funds somewhere.

• Liability insurance is required in West Virginia: When you register your vehicle, you will be asked to sign a statement that acknowledges your vehicle has insurance coverage.
• Carry proof of insurance in your car at all times: Keep your insurance card with you at all times – the state requires proof of insurance, and conducts spot-checks of vehicles at times.
• Policies must meet minimum requirements: In West Virginia, all auto insurance policies must cover at least $10,000 for property damage, $20,000 for injury or death, and $40,000 to cover injury or death to more than one person. Experts recommend using these figures as a starting point; you could be surprised at how affordable $100,000 in property damage liability is. Make sure to get coverage that will keep you comfortable while behind the wheel.
• Uninsured drivers can cause problems: If you're involved in an accident with an uninsured driver, you do have some recourse. A civil court can grant a judgment in your favor. The department of motor vehicles will suspend the offending driver's registration, and will keep the suspension current until the driver repays the amount defined in the court judgment.
• State law might not apply to your vehicle: If you own a seasonal vehicle – such as an RV or a vintage automobile – you may only be required to obtain insurance for the time of year it's in use. Contact the department of motor vehicles for more information.
• West Virginia can penalize you for failing to obtain insurance: Drivers who do not insure their vehicles can face penalties and fines. Failure to get auto insurance could cost you hundreds of dollars, as well as impact your record with the state.

Tips for consumers

Regardless of where you live, auto insurance will be a part of life. Different states have different guidelines for auto insurance coverage. These tips can help drivers across the country as they get auto insurance policies and compare quotes for new policies:

If you're looking for a new policy, be sure to get competitive quotes from several insurers. This gives you the chance to compare several companies and ensure you're receiving the best possible coverage for your money.

If you have children, they could automatically be added to your auto insurance policy when they reach driving age. Depending on your state's laws, your insurer and your policy, you might not be notified if this will happen. Be sure to ask your insurer so you'll be prepared.

Consumers have found that they can save money with a multi-policy discount offered by their insurance company. If you own a home or have other insurance policies, find out if combining two or more with your insurance company could result in a discount. If you have any questions, please visit our Frequently Asked Questions page.