West Virginia

Auto Insurance Minimum Requirements

25/50/25

Liability Limits

No-Fault

N/A

PIP Minimum

UM Only

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$25,000

Bodily Injury (per accident)$50,000

Property Damage$25,000

Uninsured Motorist RequiredYes

Underinsured Motorist RequiredNo

PIP RequiredNo

No-Fault StateNo (tort)

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date2016-01-01

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.

Official Source

West Virginia Department of Transportation Division of Motor Vehicles

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.