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To Compare Car Insurance Costs in all U.S. states, visit the link shown below.
Read on to find the best rates on West Virginia Car Insurance.
West Virginia is one of the worst states to buy car insurance, with higher average premiums that most U.S. states.
Still, there are always ways to lower 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.
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.
Penalties for Uninsured Drivers in West Virginia
Drivers of uninsured vehicles in West Virginia face fines from two hundred to five thousand dollars, 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 betwen 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.
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 $1,800. Compare this with the national average, which was around $1,510 at the time.
Low Cost West Virginia Car Insurance
West Virginia car owners use various strategies to lower the cost of auto insurance.
Some drivers receive a discount by paying annual premiums in full.
Others go for increased deductibles.
Some auto owners buy vehicles with permanently installed safety features.
Most drivers reduce their annual rates by qualifying for discount programs offered by most car insurance carriers. These include the Good Driver discount, the Good Student discount, the Defensive Driving Course discount, the Vehicle Safety discount, and many more.
According to recent consumer reports, West Virginia's top car insurance carriers are The Hanover Group, Zurich North America, Nationwide, Farmers Group and Allstate.
Also popular are local companies like 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 go with the carrier that offers the deepest discounts on car insurance.
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