West Virginia Auto Insurance

Driving in the Mountain State

From Civil War sites to ancient burial mounds, covered bridges and Appalachian mountain roads, West Virginia has driving destinations that span the ages. If you’re heading up Interstate 79 out of Charleston, crossing the New River Gorge Bridge on U.S. Route 19 or driving south on state Highway 2 out of Moundsville, make sure you’re covered by at least West Virginia minimum car insurance requirements. All motor vehicles registered in West Virginia are required to be covered by auto liability insurance. Talk to your local Safeco insurance agent about coverage that is right for you and to get your West Virginia auto insurance quote today.

West Virginia Car Insurance Laws

Car Insurance in West Virginia

Is car insurance required in West Virginia?
Yes. All registered West Virginia motor vehicles must:

  • Be covered by at least the minimum liability levels

All West Virginia drivers must:

  • Be able to show proof of insurance

To learn more about West Virginia car insurance rates, get your West Virginia car insurance quote today.

West Virginia Auto Insurance Requirements

What is the minimum car insurance coverage in West Virginia?

Auto insurance requirements vary by state. Most states require you to have both bodily injury liability and property damage liability coverage. Some states require personal injury protection and/or uninsured and underinsured motorist coverage.

Talk to your West Virginia Safeco agent for personal advice about product availability in your area and how much coverage is right for you.

Proof of Financial Responsibility in West Virginia

What is proof of financial responsibility?

It’s evidence that you have the ability and monetary resources to pay for potential damages caused by your car.

Is proof of financial responsibility required in West Virginia?
Yes. When you buy auto liability insurance in West Virginia, you are complying with the state’s proof of financial responsibility law.

Proof of Insurance in West Virginia

Failing to provide proof of insurance in West Virginia can result in having your vehicle registration and driver’s license suspended.

What is proof of insurance?

It’s documentation that verifies a current insurance policy or other form of financial responsibility. All West Virginia drivers must be able to show evidence that they’re insured if asked to do so by a law enforcement officer.

Is proof of insurance required in West Virginia?
Yes. Proof of insurance in West Virginia is required for:

  • Vehicle registration
  • Traffic stops

Certificate of Insurance WV-1

All drivers in West Virginia must keep a WV-1 certificate of insurance in their vehicle at all times. Law enforcement officers will request to see your WV-1 as proof of insurance at traffic stops.

Electronic Insurance Verification Program

The West Virginia Electronic Insurance Verification Program is used to verify your insurance when you register your vehicle and on a monthly basis. West Virginia law enforcement officers can also use WVOLV to verify your insurance at traffic stops.

Mobile Phones and Texting While Driving in West Virginia

  • Everyone is prohibited from using hand-held mobile communication devices while driving in the state of West Virginia.
  • Everyone is prohibited from texting and driving in West Virginia.

Recommended Auto Insurance Coverage

If you’re involved in an accident, the minimum car insurance requirements in West Virginia may not be enough to protect you financially from expensive repair and medical costs. Liability insurance will only help pay for the other driver’s expenses. It will not help pay for your own expenses. As a safe, responsible driver, consider raising your liability limits and adding collision, comprehensive, medical payments and uninsured and underinsured motorist to your policy.

All car insurance companies in West Virginia offer coverage to meet West Virginia minimum auto insurance requirements. Talk to your local Safeco insurance agent about a level of coverage that is right for you and to get an West Virginia car insurance quote.

West Virginia Auto Insurance Choices

Safeco Essential

With standard coverage that meets West Virginia minimum car insurance requirements, Safeco Essential offers West Virginia drivers an affordable blend of auto insurance coverage and value.

Safeco Enhanced

Offering more than standard coverage, Safeco Enhanced gives West Virginia drivers the option to add more car insurance coverage options at a competitive price. Drivers who have been with Safeco for at least six years may qualify for accident forgiveness.

Safeco Superior

With numerous built-in car insurance coverages like accident forgiveness, diminishing deductible, new car replacement and electronic lock and key replacement, Safeco Superior offers exceptional West Virginia car insurance coverage with higher limits on some features.

Safeco Ultra

Our premium level of coverage and value, Safeco Ultra auto insurance adds more features and coverages beyond those of Safeco Superior such as Roadside Assistance and loan and lease coverage.

West Virginia Auto Insurance Coverage Options

In addition to car insurance coverage required in West Virginia and our popular auto insurance coverage options, drivers in West Virginia even more coverage choices.

Safeco Optimum Package Plus™

For as little as $8 a month get a diminishing collision deductible that decreases $50 every six months, or $100 with an annual policy renewal, for a maximum of $500. Plus increase your personal property coverage up to $1,000 for items stolen from your vehicle, enjoy electronic lock and key replacement coverage with no deductible and much more.

West Virginia Auto Insurance Discounts

There are numerous ways to save and lower your car insurance rate in West Virginia. In addition to our popular car insurance discounts, West Virginia drivers can also save with these state specific discounts.

More Than One Policy

West Virginiaans who also have an active home, condominium or renters policy with Safeco may qualify for an auto insurance discount.

Keep a Clean Driving Record

West Virginia drivers who maintain a good driving record for at least 34 months may qualify for accident-free and violation-free discounts on their auto insurance rate.

Advance Quote

New Safeco customers with a policy that starts at least one day after receiving a quote are eligible for a discount that lasts for up to 10 years. Get your West Virginia auto insurance quote today and start saving tomorrow.

Young Drivers in West Virginia

Getting Your First Driver’s License

Minimum age to get a driving instruction permit in West Virginia: 15
Minimum age to get an intermediate driver’s license in West Virginia: 16
Minimum age to get a full driver’s license in West Virginia: 17

Teens, Mobile Phones and Texting While Driving

Drivers under the age of 18 in West Virginia are prohibited from using any type of hand-held or hands-free electronic communication device. This includes talking on a cell phone and texting.

Road Trips and Scenic Drives in West Virginia

Coal Heritage Trail

Coal mining has been a part of West Virginia’s economy and culture since the mid-1800s. The coalfields of West Virginia are known for producing what is commonly called smokeless coal. The Coal Heritage Trail celebrates and remembers West Virginia’s coal boom and the communities and people who lived and worked here. Follow U.S. Route 52 from Bluefield to Welch then head up state Highway 16 to Ansted.

New River Gorge Bridge

About an hour’s drive east of Charleston, the New River Gorge Bridge is an impressive sight from below on the river edge and when driving across the single-span steel-arch over the New River on U.S. Route 19.

Things to Do in West Virginia

Hike in the Monongahela National Forest

Named after the Monongahela River that flows through it, some popular spots in the Monongahela National Forest include the Falls of Hills Creek scenic area and the Spruce Knob-Seneca Rocks national recreation area where you’ll find the highest peak in West Virginia.

Ride the Hatfield-McCoy Trails

Drive your all-terrain vehicle through the historical stomping grounds of the scuffling and feuding Hatfield and McCoy families on a series of eight off-road trails located in southern West Virginia.

Fun Facts About West Virginia

State nickname: Mountain State
Residents are called: West Virginians
Native Confederate general: Stonewall Jackson
Prehistoric burial mound site: Moundsville, W.Va.
Test pilot born in Myra: Chuck Yeager
Childhood home of: Booker T. Washington
State rock: Coal
Famous music venue: Carnegie Hall
Infamous rival family: The Hatfields
Unique W.Va. snack: Pepperoni roll
Highest peak in the state: Spruce Mountain
© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria. 36 USC 220506