West Virginia Insurance Requirements & Rates

West Virginia requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage). West Virginia is an at-fault state, meaning the driver who caused the accident is responsible for paying damages. Uninsured motorist coverage is required.

West Virginia homeowners face risks from flooding, landslides, severe thunderstorms, winter storms. The flood risk level is moderate and earthquake risk is low. Standard deductibles apply. The average annual home insurance premium is $1,664.

West Virginia requires all motorcycle riders to wear helmets. Lane splitting is not legal. Eye protection is required for all riders. The riding season is april–october.

Yes, workers' compensation insurance is required in West Virginia. Sole proprietors and partners may opt out. West Virginia has approximately 150,000 small businesses, with top industries including Mining & Energy, Healthcare, Tourism.

Yes, West Virginia has expanded Medicaid. The state uses a state-federal partnership health insurance marketplace. The uninsured rate is 6%.

Yes, landlords in West Virginia can require tenants to carry renters insurance as a condition of the lease. About 27% of West Virginia residents are renters, with average monthly rent of $725.

With a median household income of $51,615, most West Virginia families should consider 10-12x their annual income in life insurance coverage. West Virginia has below-average life expectancy, making adequate coverage especially important. Currently, 43% of West Virginia households have life insurance.