West Virginia Auto Insurance regulations:

West Virginia is considered a tort state, which means that drivers bear financial responsibility for any damage and injury they cause in an accident. West Virginia auto insurance laws require liability insurance to help fulfill this responsibility. The state's standard liability coverage requirements are 20/40/10. That is $20,000 per individual for bodily injuries you cause to the other persons, and up to $40,000 for all, and $10,000 for damage you cause to the other party's personal property. West Virginia auto insurance laws also require that you purchase uninsured motorist coverages of at least 20/40/10.

Overall Rates are determined by the driving habits of the drivers within a state. West Virginia determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums. West Virginia auto insurance companies will also offers additional coverages like collision, comprehensive, and uninsured and underinsured motorists bodily injury coverage.