In a place nicknamed the Mountain State, you’ll want a car to get around and see the incredible sights and gorgeous mountainscape. But car insurance goes hand-in-hand with a car, and getting behind the wheel without great car insurance is unthinkable.
Ready to get the protection you and your vehicle deserve? Read on for everything to do with West Virginia car insurance, including what to budget for and how to find deals.
We’ve got you covered.
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Did you know that in almost all U.S. states you need car insurance in order to legally drive? West Virginia is no exception. This means that you need to keep proof of insurance on you at all times when you hit the road, and not just any amount of coverage.
The minimum car insurance requirements in West Virginia include:
Bodily injury protects the other driver in the event of an accident, including their medical costs and damages if they sue you. Property damage covers damage to any property in the accident, including vehicle repairs.
You also need to have uninsured/underinsured motorist coverage in these amounts:
Uninsured/underinsured motorist coverage gives you even more protection in case the other driver doesn’t have car insurance or doesn’t have enough so that you’re not stuck paying out of pocket for the costs. However, for uninsured/underinsured motorist coverage, you can reject the coverage in writing in West Virginia.
These are the bare minimums, but they can easily be used up if there’s a bad accident. This is why you should always carry more than the minimum coverage for more protection. Plus, you’ll want to consider other forms of coverage to give you even greater peace of mind on the road.
Let’s explore those other types of coverage next.
Aside from the minimum coverage every driver needs to have, what other options are available to you?
The answer is that you have plenty of options for car insurance coverage. Exceeding the minimum amounts of coverage is a wise idea, but so is adding in other coverage types that give you even more protection on the road.
These coverage types include:
These are just some of the coverage options available to you, but each insurance provider could offer more or fewer options. You can choose the coverage you want and leave what you don’t, customizing your car insurance plan to your needs and your budget.
And there’s the magic “B” word: cost is of course going to be a factor, so next we’ll talk about what you can expect to pay for car insurance in the great state of West Virginia.
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Here’s the good news: you don’t have to be afraid of budgeting for car insurance if you live in the state of WV. It clocks in at much lower than the national average, so you’re ahead of the game just by living in the Mountain State.
On average, you can expect to pay $421 per year for minimum coverage, and $1,580 per year for full coverage. Compare that with the national averages of $622 and $2,014, respectively.
Full coverage refers to having comprehensive, collision and liability insurance. With full coverage, pretty much all your bases are covered, from accidents to weather to theft, and more. You can find out more by clicking here.
With cheaper than average car insurance rates, West Virginia makes it easy to say yes to more coverage to beat the minimum requirements and get more peace of mind. That being said, it doesn’t hurt to save a few bucks on insurance, so keep reading for money-saving tips and tricks.
No one turns up their nose at a good deal in West Virginia, and car insurance is no exception. If you love to save money, we’ve got you covered. Here are some of the best ways to find savings when getting car insurance quotes in West Virginia:
You can also lower your rates by driving less, since those with high mileage are more at risk for an accident. It might not be feasible if you’re outside of a city, but taking transit or using your bike can save you a nice chunk of change each year. Find more money-saving tips here.
Mileage is just one of the factors that affect your insurance rates. Keep reading for more.
And if you’re ready to think about quotes, start by getting access to free quotes fast here.
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If you plan on getting behind the wheel, then you’d better have car insurance in place first. You need at least the minimum coverage in place to drive (more is better), and getting caught without proof of insurance can have some hefty consequences. Your license could be suspended, your vehicle registration could be suspended, and you could have to pay fines and reinstatement fees for both. These don’t include the potential legal ramifications as well.
You don’t need to risk the law when you get behind the wheel, not when getting great car insurance is so easy. Even if you want to shop around to save money, it can be quick and painless. Simply get access to free quotes fast here, and you’ll be well on your way to finding the best car insurance in West Virginia.
The open road is waiting, let’s get to it!
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Margaret Huntley Margaret Huntley is a creative writing and philosophy student at Western University. She has been working as a freelance writer for over two years and has written about everything from insurance, to poker, to health and wellness for international businesses.
