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West Virginia Car Insurance

“Mountain State” residents: Are you looking for car insurance without a steep price? At Good2Go Insurance, Inc. we offer affordable car insurance costs that help drivers get back on the road in no time!

Drivers who fail to provide proper insurance may receive fines, or jail time.


West Virginia Penalties for Driving Without Car Insurance

In the state of West Virginia, it is illegal to drive any motor vehicle without proof of insurance or financial responsibility. The driver must maintain proof of continuous insurance throughout the registration period. The penalties for driving without car insurance in West Virginia include fines of $200 to $5,000, imprisonment of 15 days to 1 year, and suspension of licensure.


What is Considered Full Coverage Auto Insurance in West Virginia?

According to the West Virginia Department of Transportation, West Virginia’s car insurance laws require all drivers to present proof of liability insurance when they register their vehicle. West Virginia vehicle owners with cars registered in their name must be able to certify that they have insurance and that it meets state minimum requirements for:

  • $25,000 for bodily injury to or death of one individual in any one accident
  • $50,000 for bodily injury to or death of two or more individuals in any one accident
  • $25,000 for injury to the property of others in any one accident


West Virginia DUI/DWI Laws and Penalties

West Virginia DUI laws state that drivers with a Blood Alcohol Concentration (BAC) of 0.08 or more are considered to be driving under the influence. West Virginia DUI laws also prohibit driving under the influence of controlled substances such as marijuana, cocaine or inhalants. Penalties for a first offense DUI in West Virginia include a fine up to $1,000, up to 6 months in jail and 15 to 45 days of licensure suspension. Penalties for subsequent DUIs in West Virginia can include a fine of $5,000, up to 3 years in jail and up to a year of licensure suspension.


West Virginia Cell Phone Driving Laws and Texting While Driving Laws

The state of West Virginia currently has a full ban on cell phone use for all drivers. West Virginia also has a texting while driving ban for all drivers. Violation of the law is punishable by a fine of $25 for a first offense, $50 for a second offense, and $75 for a third offense.


West Virginia SR-22 Insurance Documents

West Virginia SR-22 insurance documents are required for drivers who have been convicted of driving without auto insurance. An SR-22 form may need to be filed for three years with the DoT, showing proof of financial responsibility. This filing is usually required after the suspension of your driving privileges has been lifted. Your insurer can electronically file SR-22 insurance documents to the state of West Virginia for drivers that are required to keep and show valid auto liability insurance.

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