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Insurance in West Virginia

Required coverage, penalties, official contacts and sources for West Virginia, reviewed 2026-10.

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Car insurance

What West Virginia requires.

Liability 25/50/25 plus uninsured motorist 25/50/25. Claims system: fault-based claims.

CoverageRequirement in West Virginia
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per event
Injury protectionNot listed as required
Uninsured / underinsured motoristUninsured motorist coverage is mandatory at the same 25/50/25 limits

Required coverage

  • Bodily injury liability: $25,000 per person and $50,000 per accident
  • Property damage liability: $25,000 per event
  • Uninsured motorist coverage at limits of 25/50/25
  • Continuous auto insurance, as required by law

Other coverage commonly available

  • Underinsured motorist coverage
  • Medical payments
  • Collision
  • Comprehensive

If you drive without required coverage

Under West Virginia Code 17D-2A-7, for a first offense the Commissioner suspends the driver's license for 30 days and until current proof of insurance is presented on all registered vehicles. If the owner complies and pays a $200 penalty fee before the effective date, the 30-day suspension and the registration revocation are not imposed and no reinstatement fees are required. Under the DMV's rules, a second or later offense within five years brings a 90-day license suspension and a suspension of the vehicle registration.

Notices

What to know in West Virginia.

  • The Insurance Commissioner's annual auto survey describes the mandatory minimum limits as 25/50/25 under West Virginia Code section 17D-4-2, and says 25/50/25 limits are mandatory for uninsured motorist coverage as well.
  • The Commissioner advises consumers to know what coverage and limits they are buying, because the mandatory minimums may not replace a vehicle or cover serious injuries.
  • The survey compares insurers' rates for the minimum liability and uninsured motorist limits only. Other coverages are not included.
  • The DMV must send written notice of a suspension or revocation by certified mail at least 30 days before it takes effect, and a hearing request must be made within 10 days of receiving it. The hearing is limited to questions of identity or whether insurance was in effect at the time.

General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.

Home insurance

Start with the Insurance Commissioner

  • Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
  • The West Virginia Offices of the Insurance Commissioner are the state authority for questions about insurers, agents and complaints.
West Virginia Offices of the Insurance CommissionerConsumer information from West Virginia's insurance regulator.
Official

Health insurance

HealthCare.gov

HealthCare.gov (federal marketplace)

  • West Virginia is not on HealthInsurance.org's list of state-run or state-based marketplaces for the 2026 plan year, so residents use HealthCare.gov.
  • Confirm current enrollment dates and eligibility for financial help on HealthCare.gov.

Open HealthCare.gov

How the ACA Marketplace works

Contacts

Who to contact.

Sources

Where this summary comes from.

Reviewed 2026-10. Check each source for the current rule.

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