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Charleston Car Insurance Resources

Charleston, WV Car Insurance

Cars Insured in Charleston

^ There are an estimated 36,708 vehicles currently insured in Charleston. [1]

Car Insurance Rates in Charleston

^ From 2006 to 2010, West Virginia cities had the 17th highest auto insurance rates in the nation. [2]

Uninsured Motorists in Charleston

^ There are an estimated 3,591 uninsured motorists driving in Charleston. [3]

WV Car Insurance

Charleston Car Insurance

Car Insurance Liability Requirements in Charleston

  • Minimum Liability Limits in Charleston: 20/40/10 [4]
    • 20  Required coverage up to $20,000 for one individual injured in an accident
    • 40  Required coverage up to $40,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident
    • Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.

Required Car Insurance Coverage in Charleston

Required Car Insurance Coverage in Charleston
  • Charleston Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage

Car Insurance Verification Laws in Charleston

  • Insurer Verification of Auto Insurance in Charleston [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Charleston Car Insurance Facts, Estimates & Related Laws

Charleston Car Insurance Stats

Charleston Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Charleston
    • Based on historical and current data, 36,708 cars are currently insured in Charleston. [5]
    • West Virginia cities collectively ranked 38th in the nation in auto insurance policies in 2011 with a total of 1,323,350. [1]
  • Uninsured Motorist Rate in Charleston
    • Based on historical and current data, Charleston has an estimated 3,591 uninsured drivers. [6]
    • West Virginia cities collectively had the 35th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Charleston
    • West Virginia cities collectively had the 15th highest auto insurance rates in the nation in 2010. [2]

Charleston Distracted Driving Laws


  • Hand-held phone ban? Yes
    • hand-held phone ban in place for all drivers. [7]
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to drivers younger than 18 who hold either a learner's permit or an intermediate license. [7]
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.

Charleston Automotive Laws

  • Minimum Driving Age in Charleston [9]
    • Charleston, WV minimum driving age: 15 years.
  • Driver's License Renewal Cycle in Charleston
    • Renewal cycle: 5 years [7]
  • Motorcycle Helmet Laws in Charleston
    • Motorcycle helmets required for all riders. [7]
  • Safety Belt Laws in Charleston
    • Safety belt laws have been in place since 1993 and apply to drivers/passengers 8+ years in front seat; 8 through 17 years in all seats. [7]
    • Child restraint law in place for 7 years and younger and less than 4-feet-9-inches. [7]

West Virginia Car & Driver Facts

West Virginia Auto Registrations

West Virginia Car & Driver Facts
  • Auto Registrations in WV [8]
    • Registered Cars: 663,436
    • Registered Trucks: 732,047
    • Registered Motorcycles: 57,564
    • Total Registrations: 1,458,222
    • Rank: West Virginia ranked 39th in the United States in total auto registrations in 2011.

West Virginia Automotive Facts

  • Speed Limits in WV
    • Rural interstates: 70 mph [7]
    • Urban interstates: 55 mph [7]
    • Other roads: 55 mph [7]
  • West Virginia Motor Fuel Consumption
    • West Virginia cities collectively ranked 38th in the nation in total motor fuel consumption in 2011. [10]

West Virginia Licensed Drivers

  • Licensed Drivers in WV [11]
    • Female Drivers: 603,058
    • Male Drivers: 595,779
    • Total Drivers: 1,198,837
    • Rank: 38th highest in the U.S.

Additional information about Charleston, WV

About Charleston

Charleston (West Virginia) is a city with a population of 51,400 [12] that is located in Kanawha County.

WV Car Insurance

More about Charleston auto insurance

For more information about Charleston car insurance, or for additional resources regarding West Virginia car insurance overall, visit the West Virginia Department of Insurance.

Did you know?

Motorcyclists are currently required by law to wear a helmet are in place in 19 states and the District of Columbia.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)

Additional Cities in WV