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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