How do you choose the car insurance that is right for you when there are so many companies offering auto insurance in West Virginia? Whether you live in Charleston, Morgantown, Beckley or Lost City, Allstate offers a wide selection of auto insurance policies, optional insurance coverages and other insurance products just for West Virginia. And when your auto insurance needs change, your local Allstate agent will help you make the right choices. If you have a teen driver, there are some additional considerations your local Allstate agent can help you with. Refer to the WV's Graduated Driver Licensing chart below for more information.

For more information on this state, visit the West Virginia State Information or West Virginia State Catastrophe page.

West Virginia Auto Insurance Coverage Scale

West Virginia auto insurance coverage requirements can be different from other states. The chart below provides a good starting point for learning about the West Virginia required auto insurance coverage levels and the most common car insurance coverages to make your choice easier.


	Coverage		State Requirements	Most Common

	Bodily Injury Liability		20,000/40,000	100,000/300,000

	Property Damage Liability		10,000	50,000

	Uninsured Motorist Bodily Injury		20,000/40,000	20,000/40,000

	Medical Payments		Not required	5,000

	Collision		Not required	500 deductible

	Comprehensive		Not required	0 deductible

	Underinsured Motorist Bodily Injury		Not required	20,000/40,000

West Virginia Graduated Driver Licensing

Help keep your teen driver safe on the road by reviewing the West Virginia Graduated Driver Licensing (GDL) laws with them. West Virginia has its own variation of GDL laws that have been proven to save teen lives. We suggest you use these laws to form driving rules for your teen.


	Minimum Entry Age (Optimal: 16)			15
	Minimum Entry Age (Optimal: 16)			15

	Extended Learner Period (Optimal: at least 6 months)			Has optimal provision

	Parent Certification (Optimal: 30 hours minimal)			Has optimal provision

	Night Restriction (Optimal: 9 or 10 p.m.)			Has optimal provision

	Passenger Restriction (Optimal: No teenager passengers or only one-family excepted)			Has optimal provision

	Minimum exit age/ Minimum age at which restrictions are lifted (Optimal: 18)			17

Get more information and learn about teen driving research, facts, tips, driving laws, and teen driving programs.

Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.

Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Louisiana, Mississippi, Missouri, Oklahoma, Tennessee, Texas

Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in West Virginia. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.

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West Virginia

Auto Insurance Coverages

West Virginia Auto Insurance Coverage Scale

West Virginia Graduated Driver Licensing

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