West Virginia Car Insurance Requirements (Updated for 2025)

West Virginia law mandates that all drivers maintain specific minimum car insurance coverage. Failure to comply can result in fines, suspension of driving privileges, and other penalties. It’s essential to understand these requirements to ensure you’re adequately protected and compliant with state laws.

📋 Minimum Required Coverage

As of 2025, the minimum required liability insurance limits in West Virginia are:

• Bodily Injury Liability: $25,000 per person / $50,000 per accident
• Property Damage Liability: $25,000 per accident
• Uninsured Motorist Bodily Injury: $25,000 per person / $50,000 per accident
• Uninsured Motorist Property Damage: $25,000 per accident

Note: West Virginia operates under an at-fault insurance system, meaning the at-fault driver is responsible for damages. Personal Injury Protection (PIP) is not required in West Virginia; however, drivers can opt for Medical Payments (MedPay) coverage, which helps cover medical expenses regardless of fault.

📄 Proof of Insurance

Drivers must carry proof of insurance and present it upon request by law enforcement or during vehicle registration. This proof can be a physical card or an electronic version on a mobile device. West Virginia utilizes an electronic insurance verification system to confirm insurance status.

🚫 Penalties for Driving Without Insurance

Penalties for driving without insurance in West Virginia are as follows:

• First Offense: Fine up to $200, license suspension, and vehicle registration suspension with a $100 reinstatement fee.
• Second Offense: Fine up to $500, license suspension for 30 days, and vehicle registration suspension with a $100 reinstatement fee.
• Third Offense: Fine up to $1,000, license suspension for 90 days, and vehicle registration suspension with a $100 reinstatement fee.

Additionally, if you are involved in an accident and do not have insurance, your driving privileges may be suspended until damages are paid and proof of insurance is provided.

🔄 SR-22 Requirement

If your driving privileges are suspended due to lack of insurance, you may be required to file an SR-22 form, which is a certificate of financial responsibility. This form must be maintained for a specified period, typically three years, to reinstate your driving privileges. Failure to maintain SR-22 coverage can result in further penalties and extended suspension periods.

💡 Optional Coverages to Consider

• Collision Coverage: Pays for damages to your vehicle resulting from a collision.
• Comprehensive Coverage: Covers damages to your vehicle from non-collision events, such as theft, vandalism, or natural disasters.
• Medical Payments (MedPay): Helps cover medical expenses for you and your passengers after an accident.
• Rental Reimbursement: Provides coverage for rental car expenses while your vehicle is being repaired.
• Roadside Assistance: Offers services like towing, battery jump-starts, and flat tire changes.

📈 Average Insurance Rates

Insurance premiums vary depending on factors like driving history, location, vehicle type, and coverage choices. Comparing quotes from multiple providers is recommended to find the best coverage at the most competitive rates.

📌 FAQs

Is West Virginia a no-fault state?

No, West Virginia is an at-fault state, meaning the at-fault driver is responsible for damages.

What is an SR-22 in West Virginia?

An SR-22 is a certificate of financial responsibility filed with the state, often required after certain violations like driving without insurance.

Can I drive without insurance if I pay out-of-pocket for damages?

No, West Virginia requires all drivers to carry minimum liability insurance regardless of ability to pay damages out-of-pocket.