Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets West Virginia apart
At-fault; deer-collision frequency among the worst in the nation.
Minimum vs. full coverage in West Virginia
What each coverage level costs on the West Virginia average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $620 | $52 |
| Liability Only | $1,010 | $84 |
| Full | $1,830 | $152 |
| Full Low Deductible | $2,240 | $187 |
Minimum coverage saves about $1,213/yr vs full — but caps protection at 25/50/25. One at-fault crash above those limits and the gap is yours.
West Virginia car insurance FAQ
- What's the minimum car insurance required in West Virginia?
- West Virginia's state minimum is 25/50/25 — $25k bodily injury per person, $50k per accident, $25k property damage. Minimum-only runs about $620/yr but leaves you exposed above those caps.
- How much is full coverage in West Virginia?
- Representative full coverage averages $1,833/yr (about $153/mo), ranking West Virginia #21 of 51 states for cost.
- Why is West Virginia car insurance priced the way it is?
- At-fault; deer-collision frequency among the worst in the nation.