Minimum car insurance in West Virginia.
What West Virginia requires, in plain words, and why the minimum may not be enough.
The minimum limits
In West Virginia, the minimum liability limits are written 25/50/25 (in thousands): $25,000 for injury to one person, $50,000 for injury to everyone in one accident, and $25,000 for property damage.
How the system works
West Virginia is generally an at-fault (tort) state, so the driver who causes a crash is responsible for the other party’s losses. That is why liability limits matter so much.
Tort (at-fault) state. UM required at 25/50 plus $25,000 UM property damage.
What the minimum means in practice
Say a crash you cause injures three people. The West Virginia minimum pays at most $25,000 to any one of them and $50,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $25,000.
If you drive without insurance in West Virginia
A driver's license is suspended for 30 days for a first violation and 90 days for a second within five years, with a $50 reinstatement fee. A suspended vehicle registration costs $100 to reinstate, plus proof of insurance for all registered vehicles.
Proof of insurance
West Virginia's online verification system checks insurance in real time at registration, citations and crashes and monthly for all registered vehicles, and motorists must carry proof of insurance in their vehicles at all times.
Also worth knowing in West Virginia
Giving false insurance information brings a mandatory 90-day license suspension, registration suspension and possible prosecution with a fine up to $1,000 and up to one year in jail.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is West Virginia a no-fault state?
West Virginia is generally an at-fault state.