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Looking for cheap insurance in West Virginia? Don’t compromise. Let ValChoice help.

ValChoice is the #1 independent insurance comparison website. Our cost calculators help you find the best auto insurance and homeowners insurance companies in West Virginia. Enter your information below to get insurance quotes and compare car insurance and home insurance companies.

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West Virginia Insurance Laws and Regulations

The West Virginia Office of the Insurance Commissioner develops and enforces West Virginia insurance laws for the state. Consumers can contact the department with questions and complaints about your auto or home insurance. If you do not receive the service you expect from your insurer, you can file a complaint directly with the Office of the Insurance Commissioner. The state of West Virginia does not publish insurance complaint information for use by consumers shopping for a new insurer.

Important Laws

A summary of the driving safety laws for the state of West Virginia can be found with this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of West Virginia.

The West Virginia Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

West Virginia has minimum auto insurance amounts that are required by law. The table below shows the WV minimum car insurance limits.

Minimum Car Insurance Coverage Required in West Virginia

Minimum Coverage
Bodily Injury, per person 20,000
Bodily Injury, per accident 40,000
Property Damage 10,000

Resources Available to Consumers

Small Claims Court is available for you to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, underinsured or the victim of a flood.