West Virginia SR-22 & High-Risk Auto Insurance
West Virginia requires 25/50/25 liability coverage and is an at-fault state.
Free to compare
West Virginia at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
The state uses a point system where accumulating 12 points in a 2-year period results in license suspension. SR-22 filing is required for DUI convictions, driving without insurance, excessive point accumulation, and license reinstatement after suspension. Most drivers with standard point violations—speeding tickets, at-fault accidents under the suspension threshold—do not need SR-22 but will see immediate rate increases until points age off their record after 2 years.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
Cost Overview
$218–$274/mo
Typical monthly rate in West Virginia, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Time since violation—premiums begin decreasing after 2 years when points fall off the West Virginia driving record
- Number of violations—multiple tickets or accidents within 2 years trigger exponentially higher non-standard rates
Find the Insurers That Still Want Your Business
See Carriers That Cover YouFrequently Asked Questions
How long do points stay on your license in West Virginia?
Points remain on your West Virginia driving record for 2 years from the date of conviction. After 2 years, the points are removed and no longer count toward the 12-point suspension threshold, though the underlying violation may remain visible to insurance carriers for 3–5 years. Insurance rates typically begin decreasing after points fall off, with full rate recovery possible after 5 years of clean driving.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an accident. West Virginia's 25/50/25 minimums are often insufficient after a second at-fault accident, making increased limits essential for drivers with prior violations.
SR-22 Insurance
Certificate of financial responsibility filed by your carrier with the West Virginia DMV proving continuous coverage. Required for DUI, uninsured driving, or license reinstatement after suspension.
Non-Standard Auto Insurance
Specialized coverage for drivers who cannot obtain policies from standard carriers due to DUI, multiple violations, or SR-22 requirements. Policies cost 60–150% more but provide required coverage and filing services.
Full Coverage
Combines liability with comprehensive and collision protection for your vehicle. Required by lenders for financed vehicles regardless of driving record.
Uninsured Motorist Coverage
Protects you when hit by a driver without insurance or with insufficient coverage. Optional in West Virginia but critical for drivers who already have one at-fault accident on their record.
Collision Coverage
Pays for damage to your vehicle after an accident regardless of fault. Required by lenders and recommended for drivers with vehicles worth more than $4,000.