Introduction:

West Virginia drivers can find real bargains when shopping for car insurance online. Many insurance companies are happy to provide online quotes, making it very easy to shop around for the cheapest auto insurance rates in West Virginia. Many insurance companies provide consumers with online quotes, enabling West Virginia motorists to make a better decision when selecting car insurance policies.

General information on West Virginia insurance rates:

In 2008, car insurance premiums averaged $874.96 in the state of West Virginia. This represents a change of 3.6% from 2007, which had average premiums of $844.41. Figures collected in 2008 show that liability coverage had an average price of $543.68, collision coverage averaged at $306.04 and comprehensive insurance had an average of $197.09. In comparison with the rest of the United States, 14 states had auto insurance premiums which were higher than West Virginia and 35 states had lower premiums. In 2007, premiums were higher in 15 states. Upon examining a longer period, the average car insurance premiums in 2000 were $680.09 and $706.90 in 2005. During the year 2000, there were 19 states with higher premiums than West Virginia.

Factors in West Virginia that affect insurance rates:

• City speed limit: 55 mph
• Highway speed limit: 65 mph
• Blood alcohol content (BAC) percentage limit: 0.08%
• State open container laws: Open container laws could not be determined for this state.
• Statewide hand held cell phone ban: There is no statewide ban on using hand hell cell phones while driving currently in force.
• Other regulations pertaining to cell phone use by driver: Holders of learner's permits and intermediate licenses are prohibited from using any type of cell phone while driving.
• License suspension period on DUI: Driver's license will be suspended for 6 months for a first DUI-DWI offense.
• Availability of license restoration after DUI offense: In certain cases, drivers license may be restored 30 days following the beginning of the suspension.

Quick look at West Virginia auto insurance information:

• Year 2008 average premium: $874.96
• Year 2007 average premium: $844.41
• Change % between 2007-2008: 3.60%
• Collision coverage cost, 2008: $306.04
• Liability coverage cost, 2008: $543.68
• Comprehensive coverage cost, 2008: $197.09
• Premium rank amongst all states, 2008: 15th