West Virginia Insurance Law Updates 2025

Overview

Staying informed about West Virginia insurance laws is important for all WV drivers and homeowners. Here are the key insurance law updates and developments affecting West Virginia residents.

WV Minimum Insurance Requirements

West Virginia requires minimum liability coverage of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Uninsured motorist coverage at the same limits is also required.

Electronic Proof of Insurance

West Virginia allows drivers to show electronic proof of insurance on a smartphone or other device during traffic stops. You no longer need to carry a paper insurance card.

SR22 Requirements

West Virginia requires SR22 filings for 3 years following certain violations including DUI, driving without insurance, and multiple serious violations. AG Insurance can file your SR22 the same day.

Uninsured Motorist Coverage

West Virginia requires uninsured motorist coverage at the same limits as your liability coverage. This protects you if you're hit by an uninsured driver — a significant concern given WV's uninsured driver rate.

Credit-Based Insurance Scoring

West Virginia allows insurance companies to use credit-based insurance scores when calculating premiums. Improving your credit score can lead to lower insurance rates.

Staying Compliant

The best way to stay compliant with WV insurance laws is to work with a licensed local agent. AG Insurance stays current on all WV insurance regulations and ensures our clients have compliant, appropriate coverage.