West Virginia Car Insurance – Auto Insurance Quotes in WV
West Virginia is a lovely, mountainous state that sees a lot of tourists each year. However, that terrain can be treacherous, especially when combined with icy winters and rainy springs. As with the other states in the country, West Virginia has specific auto insurance laws and regulations which many residents may not even be aware of.
It can be confusing to understand state by state insurance laws, but MyCarInsuranceRates.com can help you understand what the state of West Virginia requires in terms of mandated minimum car insurance. At the same time, West Virginian drivers can also find and compare car insurance quotes from the best auto insurance companies in the country to get cheap West Virginia car insurance.
West Virginia Car Insurance Requirements
West Virginia uses a Tort system for its auto insurance regulations, maintaining that one of the parties involved in an accident will be found at fault for the collision. That party and their car insurance company will be responsible for covering all the injuries and damages that occur in the accident. The result is that drivers in West Virginia must maintain adequate liability coverage.
They must also protect themselves where uninsured drivers are concerned, in terms of bodily injury and property damage. This is part of the state’s attempt to crack down on the rising number of uninsured drivers on the road, along with severe fines and suspensions for any driver caught operating a vehicle without the required minimum coverage.
Understanding West Virginia Car Insurance Liabilities & Coverage
West Virginia’s mandated insurance plan is dual 20/40/10 coverage. Under this plan, drivers must maintain a policy that will cover each individual’s injuries for at least $20,000; a minimum of $40,000 is required to cover each accident; and $10,000 is necessary to pay for any damaged property, public or private.
The uninsured motorist coverage follows similar requirements, with an uninsured individual covered up to $20,000, an entire accident covered for at least $40,000, and property damage protection of at least $10,000. These rates are only the minimum amounts required in the state; drivers are highly encouraged to seek additional coverage options.
West Virginia Insurance Coverage
- Bodily Injury Liability: $20,000/$40,000 Limit
- Property Damage Liability: $10,000 Limit
- Uninsured/Underinsured Motorist Bodily Injury: $20,000/$40,000 Limit
- Uninsured/Underinsured Motorist Property Damage: $10,000 Limit
West Virginia’s drivers can get the best rates for their insurance policies with My Car Insurance Rates, where top car insurance companies compete for your car insurance by offering affordable auto insurance quotes.
West Virginia Car Insurance Laws & Regulations
Motorists must always maintain proof of insurance while driving in West Virginia, otherwise may face stiff penalties. Drivers who do not carry any insurance face even harsher penalties. A driver’s license and registration can be suspended, fees of at least $100 are imposed, and criminal charges may be brought to bear. If a driver is caught without insurance for the second time, his or her license will be suspended for 90 days. If a police officer is required to secure a driver’s license plate, he or she will have to pay additional fines.
Average West Virginia Car Insurance Rates
In many ways, West Virginia has enviable car insurance rates. In 2010, residents paid an average annual car insurance rate of $1,836, versus the national average of $1,538 a year. Many drivers do not think they can get lower rates or think it’s a waste of time to look around, but MyCarInsuranceRates.com can help West Virginia’s drivers get lower auto insurance quotes from the best car insurance providers in the state and nation. Enter your zip code to see what rates other insurers are offering.
West Virginia Car Insurance Quotes
Over the past year, car insurance rates have been on the decline. This is true in West Virginia as well, as between 2009 and 2010, the state’s rates were 6 percent cheaper. This year, they may go even lower and the only way to find out if you can pay less for car insurance is to let MyCarInsuranceRates.com introduce you to the best car insurance companies, such as Nationwide, Allstate, GEICO, Progressive, 21st Century Insurance, Liberty Mutual, State Farm, Farmers Insurance, AAA, AARP, and Esurance.
These car insurance companies are ready to offer competitive car insurance rate quotes to get your business. It is easy to get both state required minimums and additional coverage at a cheap rate, especially with MyCarInsuranceRates.com. Just enter your zip code to begin a free car insurance quote online and find cheap West Virginia car insurance.
