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West Virginia Rates:

Auto insurance premiums averaged $874.96 in West Virginia in 2010, representing a change of 3.60 percent from the previous year when rates averaged $844.41. The 2010 figures indicate that liability coverage averaged $543.68, collision averaged $306.04, and comprehensive averaged $197.09. There were 14 states that had higher average premiums and 35 with lower premiums. In 2010 there were 15 states with higher rates than West Virginia. Taking a look at a longer trend, premiums for car insurance in 2000 averaged $680.09 and in 2008, $706.90. In the year 2008, 19 states had higher premiums.

Factors Affecting Insurance Costs

Speed Limit in Cities 55
Speed Limit On Highways 65
Blood Alcohol Percentage Limit 0.08
Open Container Law We have not determined the open container laws.
Handheld Cell Phones There is no statewide ban on hand held cell phone use while driving.
Cell Usage By Driver Learner's permit and intermediate license holdersare prohibited from using any cell phone while driving.
License Suspension on DUI Driver's license is suspended for six months on a first offense for DUI - DWI.
Restoration Available After DUI Driving priviliges may be restored under certain circumstances 30 days following suspension.

Auto Insurance Premium Data

2010 Average Premium $874.96
2010 Average Premium $844.41
2009-2010 % Change 3.60%
2010 Collission Cost $306.04
2010 Liability Cost $543.68
2010 Comprehensive Cost $197.09
2010 Premium Rank 15

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