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Auto insurance rates, minimum coverage requirements, and driver statistics for West Virginia (WV).
Avg Annual Premium
$1,720
$6 below national avg
Cost Rank
#25
of 51 (most expensive first)
Fault System
At-Fault (Tort)
Tort-based
Uninsured Rate
9.3%
of drivers
Min Liability
$560/yr
Legal minimum
Average Premium
$1,720/yr
State average
Full Coverage
$1,720/yr
Comprehensive + Collision
West Virginia requires:
25/50 / 25 liability
| Age Group | Average | Male | Female |
|---|---|---|---|
| 16-19 | $4,644 | $5,246 | $4,042 |
| 20-25 | $3,096 | $3,440 | $2,752 |
| 26-35 | $1,892 | $1,978 | $1,806 |
| 36-45 | $1,720 | $1,754 | $1,686 |
| 46-55 | $1,634 | $1,668 | $1,600 |
| 56-65 | $1,582 | $1,617 | $1,548 |
| 65+ | $1,806 | $1,858 | $1,754 |
Rates shown are annual averages for each age group in West Virginia. Individual rates vary based on driving record, credit, and vehicle.
| Metric | West Virginia | National Avg |
|---|---|---|
| Average Annual Premium | $1,720 | $1,726 |
| Uninsured Rate | 9.3% | 11.1% |
| Registered Vehicles | 1,471,080 | 5,330,804 |
| Accidents per Year | 22,066 | 79,962 |
Population
1,794,000
Registered Vehicles
1,471,080
Accidents per Year
22,066
Vehicles per Capita
0.82
The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.
Read our full methodology or contact us with corrections.