West Virginia is listed among the worst states to buy car insurance, outdone by only Mississippi, Louisiana and Oklahoma. However, no matter where you live, there are always ways to lower your car insurance premiums to manageable levels. The summary shown below contains all you need to know about lowering the overall cost of insurance for passenger vehicles in the state of West Virginia. Find out how to build your own optimally affordable premium package.

West Virginia Minimum Liability Coverage

The minimum required auto accident liability coverage in the state of West Virginia is 25/50/25. In other words, $25,000 to cover injuries to the driver, $50,000 per accident for injuries to other people, and $25,000 insurance against property damage, for a maximum payout of $100,000 per accident.

Penalties for Driving Without Insurance in West Virginia

Drivers of uninsured vehicles in West Virginia face fines of anywhere from $200 all the way up to $5,000, plus a suspended driver’s license for 30 days and revocation of vehicle registration until proof of insurance is provided. Subsequent offenses can result in similar fines and/or jail terms of anywhere from 15 days to one year. Despite the stiff penalties, roughly one in nine vehicles in West Virginia is uninsured.

Auto Insurance Rates in West Virginia

The state of West Virginia has a high premium on car insurance, in comparison to other states. In 2016, the average yearly premium for a car owner in West Virginia was around $1,456, a bit higher than the national average, which was $1,347 at the time. West Virginia has fewer DUI fatalities than most states, but it ranks rather highly in speeding deaths.

Low Cost Car Insurance Programs in West Virginia

Drivers in West Virginia can use any of a number of strategies to lower their car insurance costs. Some drivers receive a discount by paying annual premiums in full. Others go for increased deductibles. Some auto owners buy vehicles with permanently installed safety features. Most drivers reduce their annual rates by qualifying for discount programs offered by most car insurance carriers. These include the Good Driver discount, the Good Student discount, the Defensive Driving Course discount, the Vehicle Safety discount and more. Most carriers also offer multiple policy discounts and multiple auto discounts, as this benefits them as much as it does you.

Obtaining Auto Insurance Quotes in West Virginia

According to recent consumer reports, the most favored carriers of auto insurance in the state of West Virginia are The Hanover Group, Zurich North America, Nationwide, Farmers Group and Allstate. Also popular are smaller, locally owned carriers like Erie Car Insurance. West Virginia features dozens of insurance carriers to choose from. So call around, compare quotes, and grab those discounts!