Motorcycle Insurance in West Virginia: The Cheapest Quotes and Best Companies

Using a rider profile with 50/100/25 liability-only coverage and a good driving record, MoneyGeek identified which carriers offer cheap motorcycle insurance in West Virginia.

Liability-only insurance is an affordable way to guarantee you abide by the state requirements. It covers damages the other person may incur in case of an accident, which is especially vital in an “at fault” state such as West Virginia. If you get injured in the same accident, though, a liability-only policy won’t help you with your costs or damages to your bike. If you’re not careful, both these possibilities may put a dent in your savings. A full-coverage policy, which includes collision and comprehensive insurance, may not be as affordable as liability-only. However, it is a better choice for most drivers in West Virginia.

By collecting and comparing average quotes from several providers, MoneyGeek determined the cheapest motorcycle insurance in West Virginia for liability-only policies:

• Dairyland: $146 annually
• Harley-Davidson: $211 annually

Taking the time to look around at different rates can earn you significant savings. Dairyland’s rate is 59.3% lower than GEICO, whose liability-only policies cost $359 on average.

When looking for motorcycle insurance in West Virginia, you’ll want a policy that protects you not only against damages incurred by the other person if you cause an accident but also against damages to your bike or personal injuries. That’s what a full coverage policy gives you.

A full-coverage policy contains all the coverages offered by liability-only insurance, but it also has collision and comprehensive coverages. Collision insurance protects you from damages resulting from a moving vehicle. However, even when your bike is parked, damage can still occur. For example, a branch might fall on your bike or it could be vandalized. This is where comprehensive insurance comes in.

Additionally, riders who are using bank financing to purchase their motorcycles and are still in the process of making payments are often asked for a full coverage policy, not liability-only.

For this study, MoneyGeek used coverages of 50/100/25 for liability and a $500 deductible for collision and comprehensive insurance for a rider with a good record.

Based on MoneyGeek’s analysis, on average, you can get cheap full coverage policies from the following carriers in West Virginia:

• Dairyland: $268 per year
• Harley-Davidson: $295 per year

Nationwide has the most expensive rates for a full coverage policy at an average of $776 per year. Compared to that, Dairyland’s rate is lower by 65.4%.

The cost of motorcycle insurance varies per state. Insurers in West Virginia use many factors to determine premiums, including motorcycle type, coverage amounts, type of motorcycle, rider age and more. MoneyGeek researched quotes from multiple companies in West Virginia to determine state averages.

A full-coverage policy in West Virginia, on average, costs $490 for every year or approximately $41 a month. It’s around $146 or 26% more expensive than the national average of $364.

Liability-only policies in West Virginia have a lower premium, costing $254 per year on average. Although it’s less expensive than a full coverage policy, it’s still $113 higher than the national average. Liability-only coverage is more affordable, but it doesn’t provide protection for costs from damages to your motorcycle.

Coverage limits used to calculate West Virginia included $50,000/$100,000 for bodily injury, $25,000 for property damages. For full coverage policies, a $500 deductible was included as well as uninsured and underinsured motorist coverages.

How much motorcycle insurance costs in West Virginia is undeniably an important factor when choosing a provider. However, it should not be your only consideration. MoneyGeek’s unique rating system, detailed in the methodology section, considers product and service offerings as well as a carrier’s financial strength on top of the price. Based on these criteria, the insurance carrier in West Virginia with the highest score is Dairyland.

Factoring premium price, products and services and financial stability, MoneyGeek identified where you can purchase the best motorcycle insurance in West Virginia.

A good way to get the best insurance for your motorcycle in West Virginia is to compare quotes from various carriers. Getting a quote online is easy. Make sure you have the following information ready:

• Motorcycle type
• How you use your bike
• What coverages you want (more information below)
• Your age
• What your riding experience and record are like
• Where you intend to store your bike

As a West Virginia rider, you are required to have insurance. You’re also required to keep proof of insurance on your bike at all times. Minimum insurance requirements vary, so it’s vital you know the requirements for West Virginia. It’s better to have more than the necessary coverage in case anything happens rather than not having enough.

Base on West Virginia laws on motorcycle insurance requirements, your policy should at least have:

• $25,000 per-person bodily injury liability
• $50,000 per-accident bodily injury liability
• $25,000 property damage liability
• Uninsured motorist coverage
• Underinsured motorist coverage

Riders in West Virginia are required to have insurance coverage of at least 25/50/25. In an accident, this means that up to $50,000 in bodily injury costs are covered, with each person having a limit of $25,000. Any cost due to property damage should be covered up to $25,000.

Motorcycle insurance in West Virginia requires uninsured and underinsured coverage on top of the standard liability coverages. If you’re involved in an accident and the other party is at fault, uninsured motorist and underinsured motorist coverage protect you in case they don’t have enough coverage to pay for your accident-related damages.

Having motorcycle insurance is mandatory for riders in West Virginia. Here are questions riders most commonly ask.

Information from West Virginia DMV, the Office of the Insurance Commissioner and the West Virginia Legislature ensures updated and accurate data on insurance coverage requirements. The best motorcycle insurance company in West Virginia was determined by comparing several carriers using policy price, products and services offered and financial strength ratings from AM Best with weights of 60%, 30% and 10%, respectively. Using several quotes, MoneyGeek calculated the most affordable insurance carrier for both liability-only and full coverage policies in the state.