Auto Insurance Minimum Requirements
West Virginia requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage — commonly written as 25/50/25. West Virginia is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is mandatory. Personal Injury Protection (PIP) is not required.
Uninsured / Underinsured Motorist
UM is strictly mandatory at a minimum limit configuration of 25/50/25. UIM remains optional.
SR-22 Filings
Required for 3 consecutive years following suspension for lack of active coverage or DUI convictions.
Alternatives to Insurance
A cash deposit or corporate surety bond of $75,000 filed with the DMV.
Fine
$200–$5,000
License / Registration
Suspension: Yes (30 days)
SR-22 Required After
No
What is the minimum car insurance required in West Virginia?
West Virginia requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. This is written as 25/50/25 coverage.
Is West Virginia a no-fault state?
No, West Virginia is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in West Virginia?
Yes. West Virginia requires uninsured motorist (UM) coverage. UM is strictly mandatory at a minimum limit configuration of 25/50/25. UIM remains optional.
What happens if I drive without insurance in West Virginia?
Driving without insurance in West Virginia can result in fines of $200–$5,000 and license/registration suspension (Yes (30 days)).
Do I need an SR-22 in West Virginia?
SR-22 filings are used in West Virginia for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for 3 consecutive years following suspension for lack of active coverage or DUI convictions.
What does 25/50/25 mean in West Virginia?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
West Virginia Department of Transportation Division of Motor Vehicles
More West Virginia Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — West Virginia Department of Transportation Division of Motor Vehicles publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.