Minimum Car Insurance in West Virginia
The liability limits West Virginia requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: Since January 1, 2016, West Virginia requires 25/50/25: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $25,000 for property damage. W. Va. Code §§ 17D-4-2(b), 17D-2A-3(e), 33-6-31
| Minimum coverage required | Since January 1, 2016, West Virginia requires 25/50/25: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $25,000 for property damage. Security can be an insurance policy from an authorized insurer or qualification as a self-insurer. Policies must also include uninsured motorist coverage at least at these limits. |
|---|---|
| At-fault or no-fault | West Virginia uses the at-fault (tort) system: the driver who causes a crash is responsible for the resulting injuries and damage, paid through liability insurance. The Alabama Department of Insurance's national table of state auto insurance laws lists West Virginia among the "Tort States." |
| Uninsured motorist coverage | Required at no less than the 25/50/25 minimums (the first $300 of uninsured property damage may be excluded). Insurers must also offer optional higher uninsured motorist coverage up to $100,000/$300,000 for bodily injury and $50,000 for property damage, and optional uninsured/underinsured coverage up to the insured's own liability limits. Source: W. Va. Code § 33-6-31 |
More West Virginia car insurance & vehicle laws
- Driving Without Insurance in West Virginia
- SR-22 Insurance in West Virginia
- When a Car Is a Total Loss in West Virginia
- Transferring a Car Title in West Virginia
- All West Virginia car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in West Virginia?
Since January 1, 2016, West Virginia requires 25/50/25: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $25,000 for property damage. Security can be an insurance policy from an authorized insurer or qualification as a self-insurer. Policies must also include uninsured motorist coverage at least at these limits.
Is West Virginia a no-fault car insurance state?
West Virginia uses the at-fault (tort) system: the driver who causes a crash is responsible for the resulting injuries and damage, paid through liability insurance. The Alabama Department of Insurance's national table of state auto insurance laws lists West Virginia among the "Tort States."
Is uninsured motorist coverage required in West Virginia?
Required at no less than the 25/50/25 minimums (the first $300 of uninsured property damage may be excluded). Insurers must also offer optional higher uninsured motorist coverage up to $100,000/$300,000 for bodily injury and $50,000 for property damage, and optional uninsured/underinsured coverage up to the insured's own liability limits.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.