Minimum Car Insurance Requirements in West Virginia
West Virginia law requires all registered vehicles to carry minimum liability insurance. Here's exactly what's required and what happens if you drive without it.
West Virginia Minimum Liability Requirements
West Virginia requires all drivers to carry: $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability per accident. This is often written as 25/50/25. These limits pay for injuries and property damage you cause to others in an at-fault accident.
Uninsured Motorist Coverage Requirement
West Virginia also requires uninsured motorist bodily injury coverage at the same minimum limits (25/50/25). This protects you if you're hit by a driver who has no insurance or not enough insurance to cover your injuries.
Penalties for Driving Without Insurance in WV
Driving without insurance in West Virginia can result in a $200–$5,000 fine, license suspension, vehicle registration revocation, and an SR22 filing requirement. The consequences are serious — and the cost of minimum coverage is far less than the penalties.
Are the Minimums Enough?
The state minimums are a legal floor, not a recommended coverage level. Medical bills and car repairs from a serious accident can easily exceed $25,000. Most insurance professionals recommend carrying at least 100/300/100 limits to protect your assets. AG Insurance can help you find the right balance of coverage and cost.
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