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Or read on to find the best rates on West Virginia Car Insurance.
West Virginia is not the best state for a driver to buy car insurance, with higher average premiums than the overall national average.
Still, there are always methods of lowering your car insurance premiums to manageable levels.
This page tells all you need to know about reducing car insurance premiums in the state of West Virginia.
Here's how to find the most affordable premium package on auto insurance.
Average Annual Rates for West Virginia Car Insurance
The state of West Virginia is known for pricey car insurance premiums compared to other states. Last year, the average annual per-vehicle premium in West Virginia was slightly over $1,456.
Compare this with the national average, which was around $1,347 at the time.
Penalties for Uninsured Drivers in West Virginia
Drivers of uninsured vehicles in West Virginia face fines anywhere from $200 to $5,000, in addition to a suspended driver's license for a month, or until proof of insurance is provided.
Repeat convictions result in similar fines, along with jail terms that last between two weeks and one year.
Despite the super stiff penalties imposed by West Virginia state law, about eleven percent of all motor vehicles driven in West Virginia are uninsured.
Minimum Liability Coverage in West Virginia
The minimum required coverage against car accidents in West Virginia is 20/40/10 per vehicle.
That means $20,000 against death or injury to the policy holder, $40,000 to cover injuries to others, and $10,000 insurance against property damage.
So in this case, the carrier will pay a maximum of $70,000 per accident. This amount may or may not (more often may not) be enough to cover the cost of an actual auto accident.
Low Cost West Virginia Car Insurance
West Virginia car owners use various strategies to lower the cost of auto insurance.
According to recent consumer reports, West Virginia's top car insurance carriers are
Also popular are regional companies such as Erie Car Insurance.
Either way, the rugged state of West Virginia has many car insurance carriers to choose from. Call a few and compare quotes. Get more free quotes online.
Then compare car insurance costs and go with the carrier that offers the lowest rate by giving you the greatest number of policy discounts.
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