West Virginia drivers face several risks that make having the right auto coverage essential, such as:  

• Challenging Terrain: With mountainous roads and sharp curves, accidents can happen even to the most cautious drivers. 
• Unpredictable Weather: From dense fog in the Appalachian Mountains to icy conditions in winter, weather-related hazards are common. 
• Wildlife Encounters: Deer crossings and other wildlife are frequent on rural roads, increasing the risk of collisions. 
• Uninsured Drivers: West Virginia has a higher-than-average rate of uninsured motorists, making added protection critical. 

West Virginia is an “at-fault” state, meaning that the driver who is found responsible for an accident is also responsible for covering the resulting damages. When it comes to auto insurance, the minimum required coverage will vary from state to state. For West Virginia, that minimum coverage includes: 

• Bodily Injury Liability: $25,000 per person and $50,000 per accident to cover injuries to others when you’re at fault. 
• Property Damage Liability: $25,000 per accident to cover damage to other vehicles or property. 
• Uninsured/Underinsured Motorist (UM/UIM) Coverage:Split into bodily injury and property damage. Coverage for both your vehicle and injuries if the other party doesn't have sufficient insurance. Minimum limits typically mirror that of standard liability limits for both bodily injury and property damage. 
  • UM coverage is required by West Virginia; however, drivers have the choice to reject UIM if they choose. They must do so in writing with their agent if they wish to reject it. 

If you are the at fault driver, liability-only policies won’t pay for your damages. To cover yourself and your vehicle, additional coverage is required. 

To stay prepared for West Virginia’s unique driving conditions, you may want to add the following to your policy:  

• Collision Coverage: Helps pay for damages to your vehicle caused by a covered accident based on your deductible. 
• Comprehensive Coverage: Helps pay for non-collision damages to your vehicle caused by a covered accident based on your deductible. 
• Roadside Assistance: Helps pay for the cost of towing your vehicle if it cannot be driven due to an accident or breakdown. 
• Rental Car Reimbursement: Helps pay for the cost of a rental car while your vehicle is being repaired after a covered accident. 
• Increase Liability Limits: Some drivers see the benefit of increasing their liability limits to avoid costly out-of-pocket expenses if they’re found to be at fault. 
• Medical Payments Coverage (MedPay): Helps pay for medical bills, no matter who was at fault. 

This isn’t a full list of options, but Goosehead Insurance specializes in finding customized policies for our clients. We work with you to find coverage that fits your budget and unique circumstances. 

In addition to coverage, the cost of car insurance in West Virginia is influenced by several factors, including:  

• Driving History: A clean record can mean lower premiums, while accidents or violations increase rates.  
• Vehicle Type: Newer or high-value vehicles typically cost more to insure.  
• Location in West Virginia: Living in areas with higher traffic or theft rates, like Charleston or Huntington, may result in higher premiums.  
• Age and Experience: Younger or less experienced drivers usually face higher costs.  

On average, West Virginia drivers pay around $600 annually for the minimum amount of coverage. Those with policies that have more coverage can pay an average of $2,200 a year. 

While insurance is an essential expense, there are several strategies to lower your premiums:

• Combine your policies: Bundling your auto insurance with home or renters insurance can help you save money.
• Practice safe driving: Keeping a clean driving record is one of the best ways to lower your insurance premiums.
• Take advantage of discounts: Many insurance providers offer savings for students, safe drivers, military personnel, or cars equipped with advanced safety features.
• Compare carriers: Shopping around and getting quotes from different insurers ensures you’re getting the best deal for your coverage.

At Goosehead Insurance, we help you uncover these savings by comparing options from industry-leading providers.

At Goosehead Insurance, we make buying car insurance in West Virginia simple and stress-free. Here’s why West Virginia drivers trust us for their coverage needs:  

• Custom Comparisons: We review policies from top-rated carriers to ensure you get the best options for your budget. 
• Expert Guidance: Our agents are knowledgeable about state-specific regulations and coverage recommendations. 
• Personalized Policies: We tailor our offerings to meet the unique needs of West Virginia residents, whether you’re driving in urban areas or rural regions. 
• Ongoing Support: Have questions or need to adjust your policy? We’re just a call away.