West Virginia Auto Insurance Information
Under West Virginia law, motorists must carry a minimum of $25,000 per person and $50,000 per accident in Bodily
Injury Liability (BIL) insurance, as well as at least $25,000 in Property Damage Liability (PDL) coverage. BIL
helps pay for medical and accident-related expenses for the other driver, cyclist or pedestrian when the insured
is at fault, while PDL pays for repairs or replacement of the other driver’s vehicle. Neither BIL nor PDL pays for
any accident-related expenses of the insured. Keep in mind that these are minimum requirements, and many drivers
should purchase additional coverage to protect their personal assets in case of a serious crash.
West Virginia also requires drivers to carry the same BIL and PDL minimums in uninsured motorist coverage,
although it does not require underinsured motorist insurance.
While the state does not require collision and comprehensive coverage, lenders will almost certainly mandate such
insurance for leased and financed vehicles.
Penalties for those found driving without insurance in West Virginia include a 30-day driver’s license suspension
for a first offense and a 90-day suspension for subsequent offenses. Vehicle registration is suspended until proof
of insurance is received by the West Virginia Department of Motor Vehicles (DMV) There is a $100 reinstatement fee
and other possible fees paid to the DMV. Driving without insurance is a misdemeanor in the state, and carries with
it fines ranging from $200 to $5,000 and jail time ranging from 15 days to one year as a fine alternative.
SR-22 Insurance in West Virginia
Only a few states do not require the filing of an SR-22 form, also known as a certificate of financial
responsibility when a driver is convicted of a DUI or other serious offense and is eligible for license
restoration. West Virginia is one of these states, so no SR-22 filing with the state’s Department of Motor
Vehicles by the driver’s insurance company is necessary. However, anyone convicted of a serious driving offense
should expect their West Virginia auto insurance premiums to rise significantly.
West Virginia Driver Statistics
Approximately 1.8 million people call The Mountain State home, and about 1.1 million of them have drivers’
licenses. While West Virginia is a major coal-mining state, it contains many other strong and emerging industries.
These include aerospace, automobile manufacturing, biotech, and chemicals.
West Virginia was once western Virginia, but it separated from the Commonwealth of Virginia during the Civil War
because the majority of residents were Union supporters. Top tourist sites include Harpers Ferry National
Historical Park, where John Brown’s raid on the federal arsenal took place in 1859, perhaps triggering Civil War;
the Appalachian Trail, with a visitor’s center located in Harpers Ferry; Blackwater Falls State Park, the elegant
Greenbrier resort, designated a National Historic Landmark, and the Seneca Caverns. Recreational opportunities
abound, from hiking to skiing and whitewater rafting.
West Virginia Auto Insurance & Accident Facts
In 2017, 303 people died on West Virginia roadways in a total of 280 fatal crashes. Nineteen percent of these
deaths occurred to motorcyclists, pedestrians or bicyclists. Sixty-one percent of fatal accidents happened in
single-vehicle crashes, and 39 percent in multi-vehicle collisions. Twenty-eight percent of the drivers killed had
blood alcohol levels at or above 0.08 percent, the legal limit for driving under the influence. Fatal crashes
occurring in rural areas outnumbered such accidents in urban areas by nearly 2 to 1, but the state is very rural.
Unfortunately, West Virginia traffic fatality rates are generally among the highest in the nation.