West Virginia has 1,778,373 residents. We list 12 agencies for auto insurance in West Virginia. Here is what the local numbers say about the cover people here need.

West Virginia at a glance

12auto insurance agencies listed
25.1%of households rentRenters insurance
$162,600median home valueHome insurance
1976median year homes were builtRebuild cost calculator
8%of households have no carAuto insurance
13.6%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across West Virginia

How many of West Virginia’s 55 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

Strong wind2 of 55 counties
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in West Virginia
Lightning2 of 55 counties
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in West Virginia
Inland flooding1 of 55 counties
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in every state
Winter weather1 of 55 counties
Ice storm1 of 55 counties

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in West Virginia

West Virginia requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25. It also requires uninsured motorist coverage ($25,000 per person, $50,000 per accident) and uninsured motorist property damage coverage ($25,000).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in West Virginia How much liability cover do you need?

Source: wvinsurance.gov. Checked 2026-10-24.

Insurance companies West Virginia agencies work with

Of the 12 West Virginia agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers7 agencies
Liberty Mutual6 agencies
Liberty Mutual (Safeco)5 agencies
Safeco5 agencies
Chubb3 agencies
Chubb (ACE)3 agencies
Employers3 agencies
AmTrust2 agencies
Metropolitan Life Insurance Company2 agencies
Nationwide2 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Auto insurance in West Virginia

All insurance agencies in West Virginia · Auto insurance in every state

Where can I find auto insurance in West Virginia?

Pick your city in the list on this page to see every agency there that offers auto insurance, or search by name or ZIP code.

What does auto insurance cover?

Covers your car for damage, theft and the harm you could cause to others.

Which insurance companies do West Virginia agencies work with?

Among the 12 West Virginia agencies whose appointments we hold, the companies they are most often appointed with are Travelers (7), Liberty Mutual (6), Liberty Mutual (Safeco) (5), Safeco (5), Chubb (3). An appointed agency can quote that company's policies.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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