Skip the auto shop - Our mechanics make house calls

Insurance Requirements for Car Registration in West Virginia

Insurance Requirements for Car Registration in West Virginia

All drivers in the state of West Virginia are required to carry minimum amounts of liability insurance, or “financial responsibility,” in order to legally operate a vehicle on the West Virginia roadways.

The minimum financial responsibility requirements for West Virginia drivers are as follows:

  • A minimum of $25,000 per person, for bodily injury or death. This means you’ll need to carry a minimum of $50,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum $25,000 for property damage liability

This means that the total minimum amount of financial responsibility you will need is $75,000 to cover bodily injury or death, and property damage liability.

Additionally, all West Virginia drivers are required to carry uninsured motorist insurance in their minimum insurance policies, in the same amount as the total minimum liability insurance ($75,000). However, while this total minimum is all that is required of drivers to carry, insurance providers are required to offer you the following limits for uninsured motorist coverage:

  • A minimum of $100,000 per person, for bodily injury or death, and a total minimum of $300,000 to cover any possible injury or death.

  • A minimum of $50,000 for property damage

West Virginia drivers can choose to accept only the minimum amounts of uninsured motorist coverage in order to keep their premium cost down.

Proof of insurance

You must keep a proof of insurance document in your vehicle when driving, because you are required to show it during a traffic stop or at the scene of an accident. You must also have proof of insurance when registering your vehicle. The acceptable form of proof of insurance in West Virginia is a Certificate of Insurance or a WV-1 form, which is issued by an insurance provider. This form must include the insurance provider’s National Association of Insurance Commissioners number on it.

West Virginia uses an electronic monitoring system to verify the status of any vehicle’s insurance status. Because of this system, you do not need to have your WV-1 form in order to renew your registration in West Virginia.

Violation penalties

There are several types of penalties that West Virginia drivers may face if they are found guilty of an insurance violation. These include:

  • Suspension of vehicle registration, which can only be reinstated by paying a $100 fee and providing proof of insurance.

  • Suspension of vehicle plates, which can only be reinstated by paying a $50 fee.

  • Suspension of driver’s license, which can only be reinstated by paying a $50 fee after a specific suspension period.

Providing false insurance information to a law enforcement officer or to the West Virginia Division of Motor Vehicles can result in the following penalties:

  • A driver’s license suspension of up to 90 days

  • Revocation of vehicle

  • A maximum fine of $1,000

  • A possible sentence of one year in jail

For more information, or to renew your registration online, contact the West Virginia Division of Motor Vehicles through their website.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details
Icon-warranty_badge-02

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

More related articles

Veteran and Military Driver Laws and Benefits in Idaho
The state of Idaho offers a number of benefits and perks for those Americans who have either served in an Armed Forces branch in the...
How to Avoid Back Pain in a Car
If you have back problems, sitting in a car for an extended period of time can be excruciating. Even without back problems, you could experience discomfort and soreness from...
P0477 OBD-II Trouble Code: Exhaust Pressure Control Valve Low
P0477 code means that the PCM has detected an abnormally low voltage reading often due to the exhaust back pressure control valve circuit.


Related questions

Q: what would be the average cost to own my vehicle over a ten year period

Typical "lifecycle" vehicle ownership and operation costs, such as you are inquiring about, are calculated on a 5 year interval. Going out 10 years has too much inherent uncertainly in inflation projections, and the costs of fuel, insurance, and repairs....

Q: Advice on buying a car with hail damage

Realize that hail damage is just pieces of ice falling down on the car and denting the heck out of everything. It may look horrible but the actual hail itself doesn't damage the car. So as long as it runs...

Q: Advice on buying the first car

Unfortunately, I don't want to jinx you, but the first car people get is the first car they wreck. I would say get a nice, used Toyota. You pay less, your insurance will be a lot cheaper. As time goes...