West Virginia car insurance laws are administered by the West Virginia Office of the Insurance Commissioner and current laws (2010) require all drivers to carry mandatory minimum car insurance coverage of both liability and uninsured motorist coverage.
The State of West Virginia also requires car insurance companies to offer mandatory minimum levels of optional increased coverage which is something many states do not.
Additional coverage is almost always available but West Virginia is one of the few states who actually have car insurance laws requiring car insurance companies to do so.
West Virginia Car Insurance Companies
West Virginia residents have a number of car insurance companies to choose from including most all national providers such as:
However its important not just to focus on the big name brands as many regional providers offer comparable coverage sometimes at lower rates. In order to find the best West Virginia car insurance rates drivers should always compare a list of car insurance companies.
West Virginia Car Insurance Requirements
Since car insurance coverage is Mandatory in West Virginia you should understand the minimum car insurance requirements and realize these limits are simply minimums. Most drivers opt for additional coverage well beyond state minimum requirements as the potential personal liability from medical expenses relating to a car accident can easily surpass state required minimum policy limits. West Virginia car insurance laws state all drivers (2010) must have at least the following levels of coverage
Liability:
- Bodily Injury Coverage: $20,000 / $40,000
- Property Damage: $10,000
Uninsured Motorist Coverage:
- Bodily Injury Coverage: $20,000 / $40,000
- Property Damage: $10,000
West Virginia car insurance laws also require all car insurance companies to offer drivers an option to buy at least the following expanded levels of coverage:
Liability and Uninsured Motorist Coverage
- Bodily Injury Coverage: $100,000 / $300,000
- Property Damage: $50,000
Get Started and Compare West Virginia car insurance companies today!
