West Virginia Car Insurance

WV Auto Insurance Quotes

Need to start a car insurance quote in West Virginia? Whether you're driving through Charleston or cruising down the ‘country roads’, GEICO makes it easy to get reliable, affordable West Virginia auto insurance online. With competitive rates and dedicated customer service, getting covered is quick, convenient, and hassle-free.

West Virginia Auto Insurance: Driving in the State

It's very important to ensure that your brakes are in good working condition when driving in West Virginia. You'll encounter steep grades when descending highways and byways that may require you to ride your brakes for long periods, which will cause them to become hot and less effective. One tip is to downshift to a lower gear on steep hills and let the engine slow you down, which can help take the strain off the brakes. Since mountain driving can be unpredictable, it’s also smart to carry car insurance that includes collision coverage in case you encounter a sudden stop, runaway vehicle, or slick descent.

Fog is also a common hazard, as it frequently covers mountain peaks and settles in the valleys. Drive with caution during fog, use your headlights so others can see you and leave enough distance between you and the car in front of you to avoid a collision. Many mountain roads are narrow and do not have posted speed limits, so watch for large, wide trucks and be mindful of your speed when handling sharp curves. Even the most careful drivers can face unexpected situations in these conditions, so having reliable car insurance with strong liability and comprehensive coverage can give you peace of mind, especially when visibility is low and road conditions change quickly.

West Virginia Car Insurance Requirements

Here are the minimum requirements and limits for West Virginia car insurance coverages:

Coverage Type Minimum Required Limit
Bodily Injury Liability $25,000 per person and $50,000 per accident
Property Damage Liability $25,000 per accident
Uninsured Motorist Bodily Injury* $25,000 per person and $50,000 per accident
Uninsured Motorist Property Damage* $25,000 per accident
Underinsured Motorist Bodily Injury* $25,000 per person and $50,000 per accident
Underinsured Motorist Property Damage* $25,000 per accident

*Note Uninsured Motorist and Underinsured Motorist Coverages can be rejected in writing

Additional Auto Insurance Coverages in West Virginia

While the state of WV only requires drivers to have the coverage types listed above, there are other coverages to keep you protected while cruising country roads, including:

  • Collision Coverage: Helps pay to repair or replace your car if it’s damaged in a collision with another vehicle or object, regardless of fault.
  • Comprehensive Coverage: Covers damage to your vehicle from non-collision events like theft, vandalism, fire, or weather-related incidents.
  • Emergency Roadside Service: Provides roadside assistance for things like flat tires, dead batteries, lockouts, or if you run out of gas.

West Virginia Car Insurance Discounts

GEICO provides a variety of car insurance discounts* and reward programs that can help West Virginia drivers lower their premiums, including:

Discount Details
Multi-Vehicle Discount Insure more than one vehicle with GEICO and save on your West Virginia auto insurance premium.
Good Driver Discount WV drivers who maintain a clean driving record may be rewarded with lower rates.
Good Student Discount Full-time students who maintain a “B” average or better can qualify for savings.
Military Discount Active-duty military, veterans, and members of the National Guard or Reserves are eligible for special savings.
Vehicle Equipment Discount Vehicles equipped with certain features may earn policyholders additional savings.
Multi-Policy Discount Bundle your GEICO auto coverage with another policy, like homeowners or renters insurance, to save more.
DriveEasy* Program Participate in the DriveEasy program through the GEICO Mobile app and get rewarded for safe driving habits.

West Virginia Auto Insurance FAQs

  • What is the cheapest car insurance in WV?

    There’s no one-size-fits-all answer, but GEICO makes it easy to find affordable coverage that fits your needs. Your rate depends on things like your driving history, location, vehicle type, and available discounts.

    Whether you're a safe driver or bundling policies, GEICO offers a variety of ways to help you save on car insurance in West Virginia—without cutting corners on coverage.

  • Is West Virginia a no-fault insurance state?

    No – West Virginia follows a fault-based system. That means the driver who causes the accident is responsible for covering the damages. So, if you're in a crash and another driver is at fault, you can file a claim through their insurance or even take legal action if necessary. It’s all about making sure the right party is held accountable.

Please note:

*DriveEasy is an optional program that is not available in all states and situations. Premium rates generally will vary based on participation in the program and the driving habits logged by the app. All enrolled drivers on a policy need to participate. Driver enrollment requirements differ by state and program details and are presented during your quote.

For more information, see our GEICO Mobile User Agreement and our Text Messaging Terms and Conditions.