In West Virginia, vehicle owners must carry car insurance coverage at the following minimum amounts on any vehicle registered and in operation in the state:
These are only the minimum coverage amounts required under West Virginia law. In some situations, you may want to carry additional types (and amounts) of coverage. For example, when you finance or lease a vehicle, you'll probably be contractually obligated to add comprehensive coverage to your car insurance policy. Learn more about the different types of car insurance coverage.
You must carry UIM coverage in West Virginia in an amount equal to the liability amounts for bodily injury listed above, i.e. 20/40. UIM coverage is designed to protect you if you are in an accident with an at-fault driver who does not have enough insurance to cover your losses -- or who has no insurance at all. To learn more about UIM coverage, check out the articles in our Uninsured and Underinsured Motorist Insurance section.
Under West Virginia Code, Chapter 17D, Article 2A-7, a vehicle owner who drives without proper insurance coverage will be subject to the following penalties:
For more details on car insurance rules in West Virginia, you can read our article West Virginia Car Insurance Laws and Regulations.