Riding without motorcycle insurance in West Virginia can result in your license getting suspended until you prove otherwise. The state requires all registered vehicles to be insured, including your motorcycle. Different carriers offer different rates for insurance policies, regardless of whether it’s liability-only or full coverage. MoneyGeek compared various quotes to determine where you can get cheap motorcycle insurance in West Virginia. Once you do get a policy, it’s best to keep it with your vehicle at all times. Studying various factors such as affordability and financial strength, MoneyGeek ranked which companies have the best motorcycle insurance in West Virginia.
Motorcycle Insurance in West Virginia: The Cheapest Quotes and Best Companies
The Cheapest Motorcycle Insurance in West Virginia
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.
Cheapest Liability-Only Motorcycle Insurance Quotes 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.
Average Annual Premium for Liability Coverage
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- CompanyAnnual Premium
Cheapest Full Coverage Motorcycle Insurance Quotes in West Virginia
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%.
Average Annual Premium for Comprehensive and Collision
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- CompanyAnnual Premium
What Is the Average Motorcycle Insurance Cost in West Virginia?
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.
Car Insurance Costs by Coverage Type
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- Policy TypeAverage 12-Month Cost in West VirginiaAverage 12-Month National CostVariance
- Full Coverage$490$364$126
- Liability Only$254$141$113
The Best Motorcycle Insurance Companies in West Virginia
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.
- Mobile app is available
- Can offer an SR-22 for most riders
- Many discount opportunities
- Policies not available in all states
- Claims reporting can only be done by phone
- Coverages and discounts may not be offered in all states
With an overall score of 97.00, Dairyland landed the top spot in MoneyGeek’s list of the best motorcycle insurance carriers in West Virginia. You can purchase a liability-only policy for an average of $146 per year or full coverage for roughly $268 annually. Dairyland has been providing insurance for more than five decades, making them an experienced player in the industry. On top of the standard policies, Dairyland offers additional coverage in West Virginia. There’s the Physical Damage Plus, which guarantees original manufacturer’s parts are used during repairs. If you’re looking to customize your bike, you can use Dairyland’s Optional / Special Equipment coverage. It helps cover the difference between the cost of a customized part and the standard one it replaces. In terms of discounts, Dairyland offers money-saving opportunities. Choosing to transfer your motorcycle insurance in West Virginia to them from a different provider makes you eligible for their transfer discount. If you own more than one bike, having all of them insured in Dairyland also gives you lower rates.
- Many discounts available
- Insurance policy can be bundled with other services
- Provides multiple channels to file claims
- Basic coverages are more expensive compared to others
- Available coverages per state vary
- Policies are not available in all states
Harley-Davidson scored second in West Virginia with an overall score of 94.68. Purchasing liability-only costs you $211 for a 12-month cycle, but adding a little over $80 already gives you a full coverage policy, priced at $295 per year. More than just providing for the needs of a rider, whether this be apparel or bike customizations, Harley-Davidson also offers motorcycle insurance in West Virginia. If you find the policy prices a little high, you can lower rates through their discount programs. Insuring a new bike, getting an endorsement by completing an approved riding class or being an experienced driver makes you eligible for lower motorcycle insurance rates in West Virginia. They also offer discounts to members of the military or law enforcement. More than discounts, Harley-Davidson has several coverages you can add to your policy. They replace bikes that are rendered total losses at replacement value. If your bike’s out of commission after an accident and you need to rent a replacement, Harley-Davidson will help pay for the expense.
- Motorcycle insurance can be bundled with other policies
- Many discounts available
- Mobile app offered
- Disappearing Deductible is not available for all states
- Breakdown coverage is not offered
- Large Accident Forgiveness restricted to eligible policyholders
Progressive makes the list with an overall score of 89.71. Its liability-only policies cost $215 per year on average, while its full-coverage policies cost roughly $412 annually. Progressive offers policyholders multiple discounts. There are several focusing on safety. One is the Safety Course discount, which decreases your rate if you complete a safety course approved by the state. You can also get a lower rate if you keep your record clean for three years, meaning no accidents or violations. If you remain claim-free by the time you renew your policy, you’ll be eligible for Disappearing Deductible. It lowers your deductible by 25% for each year you don’t file for claims and will continue until you reach $0. Additionally, Progressive’s policies automatically cover custom and Original Equipment Manufacturer OEM parts.
How to Get a Motorcycle Insurance Quote 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
How Much Motorcycle Insurance Coverage Do You Need in West Virginia?
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
How Much Insurance Coverage Is Required in West Virginia?
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.
Do You Need Uninsured Motorist, Underinsured Motorist or PIP Coverage in West Virginia?
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.
MoneyGeek recommends having a full coverage policy with at least 50/100/25 liability, but it would be better for riders in West Virginia to increase limits to 100/300/100. It is an investment that gives value for money. A small amount added to the price of your policy allows for a substantial increase in your coverage. Since uninsured and underinsured coverage is also required in West Virginia, it’s best to have their limits match your policy.
Frequently Asked Questions About Motorcycle Insurance in West Virginia
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.
About the Author
- Insurance Information Institute. "2020 Insurance Fact Book." Accessed June 11, 2021.
- Nolo. "West Virginia Care Insurance Requirements." Accessed May 9, 2021.
- West Virginia Department of Motor Vehicles. "Consumer Insurance Information." Accessed May 9, 2021.
- West Virginia Legislature. "Motor Vehicle Safety Responsibility Law." Accessed May 9, 2021.
- West Virginia Offices of the Insurance Commissioner. "Automobile Mandatory Limits." Accessed May 9, 2021.