West Virginia Car Insurance
Being the most southern of the northern states and the most northerly of the southern states, West Virginia is in a fantastic position in the country. It is close to the East Coast and located near a variety of other fantastic states. Almost 75% of the state is covered by forests, and it is home of the first electronic railroad in the world. The majority of people in the state use automobiles as their primary form of transportation and the state does require drivers to carry valid automobile insurance to drive legally. People who do not can be faced with steep fines, fees, and penalties.
Auto Insurance Requirements In West Virginia
Drivers in West Virginia need to have a valid driver’s license, as well as a valid registration and order to drive in the state legally, but there are other requirements as well. The state requires that people have $25,000 per person in bodily injury coverage. $50,000 per accident in bodily injury coverage is also required, as well as $25,000 per accident in property damage coverage. The state also requires drivers to carry uninsured motorist bodily injury coverage. The minimum requirements for this type of insurance are $25,000 per person and $50,000 per accident. Uninsured motorists property damage coverage is also required in the amount of $25,000 per accident.
Other optional coverages are available, including collision insurance coverage, rental car reimbursement coverage, medical payments coverage, personal injury protection coverage, and comprehensive insurance coverage. Many people choose to get a combination of these additional coverages to further protect themselves. In addition, many drivers choose to get amounts higher than the minimum required for bodily injury liability coverage, for the same reasons.
Average Cost Of Coverage In West Virginia
Rates for automobile insurance in the state are very close to the US average, coming in at under 5% less overall. A person’s rates can be affected by numerous variables, including their driving record, age, location, and marital status. A person’s credit history can also have an effect on insurance rates. Different auto insurance companies use different methods to determine a person’s rates, so there is fluctuation from one auto insurance provider to another. Shopping around can help people save on car insurance premiums.
Cheapest Car Insurance Companies In West Virginia
In West Virginia, some companies have lower costs on average than others. These are great companies to get quotes from, although it is essential to note that your unique situation may find cheaper auto insurance rates from other companies. The cheapest companies for insurance on average in West Virginia include Progressive, Geico, Westfield, and Erie. Each of these companies comes in at lower than the average in the state.
Cheapest Car Insurance In West Virginia By City
When determining averages, the geographic location a person lives in does have an impact. In each state, the laws and regulations, as well as the penalties, are different. Each city has a different risk profile as well, which car insurance companies use to determine rates. The cheapest cities to have a car insured in West Virginia include Moorefield, Berkeley Springs, Petersburg, and Shepherdstown.
Most Expensive Car Insurance In West Virginia By City
The other end of the spectrum has cities like Williamson and Logan, which are a jump above other high-cost cities to get insurance from in the state. Additionally, cities like Wayne, Madison, and Grantsville also have higher costs on average. An individual may have higher or lower rates than the average, so getting free quotes for car insurance is essential.
Laws, Rules And Penalties in West Virginia
Avoid needlessly burning through money and time by getting a free quote for car insurance in West Virginia today. The laws, rules, and penalties in the state can be severe. People caught driving without insurance in the state can be fined between $200 and $5,000 for a first offense. In addition, a driver’s license may be suspended depending on the situation. Vehicle registration can also be suspended, and there are numerous fees to get a driver’s license and registration reinstated. Jail time can also be administered.
How To Save Money On Car Insurance In West Virginia
Making sure that you do not buy more car insurance then you need, nor do you buy less, is one of the best ways to save money on automobile insurance plans. Many people choose to get more coverage amounts and types than the minimum limits to help them financially if an accident occurs. Comparing rates from multiple companies is a fantastic way to save, and can be done right here on this site. Also, utilize the many discounts that auto insurance providers offer to keep your costs down.