Insurance Requirements for Car Registration in West Virginia

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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.


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Eladio

8 years of experience
128 reviews
Eladio
8 years of experience
Honda Civic - Brake Pads Replacement (Rear) - Greensboro, North Carolina
Eladio arrived at the scheduled time and was great to work with. He was very professional and I am very satisfied with his work. This was my first time using YourMechanic and I am very pleased with how easy and convenient this service has been from start to finish. Definitely would recommend.
Nissan Altima - Brake Pads Replacement (Front) - Greensboro, North Carolina
Eladio was on time, expedient, and very professional. Very pleased with provided service (brake shoes replacement).

Chris

13 years of experience
107 reviews
Chris
13 years of experience
Hyundai Sonata - Brake Pads Replacement (Front, Rear) - Port Richey, Florida
CHRIS IS THE BEST MECHANIC I HAVE EVER MEET IN MY LIFE. HE IS HONEST AND HE KNOWS HIS STUFF. VERY PROFESSIONAL AND KNOWLEDGEABLE. THANK YOU CHRIS!!!

Pardeep

19 years of experience
587 reviews
Pardeep
19 years of experience
Dodge Caravan - Brake Pads Replacement (Rear) - Fremont, California
Pradeep was early to my appointment and during his work he showed me that I didn’t need rear brake shoes saving me money.He cleaned and serviced the existing shoes and he also adjusted my parking brake cable. Great job. I will always use Your mechanic for any car repairs.

Oreste

12 years of experience
117 reviews
Oreste
12 years of experience
Dodge Avenger - Brake Pads Replacement (Front) - Miami, Florida
Orestes is very professional. He explained what was done to my vehicle and suggested upcoming maintenance needed. Great person

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