Car Insurance in Morgantown, WV

Driving and Exploring Morgantown, WV

Located in Monongolia County, Morgantown is home to West Virginia University; it is also a cultural, commercial and medical hub for the region. As a known college town, the daytime population in the city can explode to 70,000. which can increase the risk of car accidents.

The actual population is 29,316 residents. While the live-in population is much smaller than daytime population estimates, the median age of the city population is 24.4 years, making it a youthful location. Most households own two cars with an average 17.3-minute daily commute. If you prefer, you can use public transportation, either the personal rapid transit system or the Mountain Line Transit Authority buses.

Morgantown has some of the safest roads in the state, with fewer fatalities than the rest of the state. Still, traffic accidents are relatively common in West Virginia because of the rural roads, mountainous terrain and poorly maintained roads.

The Importance of Car Insurance in Morgantown, WV

The primary reason vehicle owners should purchase car insurance is for financial protection. People who cause an accident may be held responsible for costs associated with the collision. The costs may include property damage and personal injuries, including medical expenses. Liability insurance with adequate coverage limits is the bare minimum to protect yourself from lawsuits. However, you may want to purchase further coverage to cover injuries to yourself or damage to your property.

Beyond offering financial protection, car insurance is likely a requirement of many lenders and leasing programs. Most loan and leasing programs require total coverage, which is more significant than West Virginia's insurance requirements. Even if you own your car, you still have to own insurance that covers the state's minimum requirements.

Minimum Insurance Requirements in West Virginia

West Virginia requires minimum liability coverage and uninsured motorists coverage. The minimum coverage requirements include:

• $25,000 bodily injury coverage
• $50,000 bodily injury coverage for more than one person
• $25,000 coverage for property damage per damage

Despite the requirement for insurance, some drivers may not have coverage. You must protect yourself should you get in an accident with someone without coverage. Uninsured motorist coverage should have two minimum coverage limits:

• $25,000 bodily injury coverage per person
• $50,000 bodily injury coverage per accident

While the state sets minimum insurance requirements, it is important to remember that you are not restricted to minimum expectations. Purchasing more coverage is typically for the best because it offers you the most protection. Use VIU by HUB to compare insurers in the Morgantown area.

Average Cost of Car Insurance in Morgantown, WV

While West Virginia only requires minimum coverage, most drivers choose full coverage because of the level of protection it offers. The average cost of full coverage in Morgantown is $1,468, which is lower than the average for the state.

Despite the average projected cost of full coverage, you may pay more or less depending on many factors. The primary factors that contribute to car insurance premiums are:

• Age
• Driving record
• Credit history
• Annual mileage
• Deductible

Finding Car Insurance in West Virginia

There are many insurance companies in West Virginia, so it is difficult to narrow the choice to only one. When looking for car insurance in Morgantown, WV, you should compare multiple policies. VIU by HUB offers a tool that allows you to compare multiple insurance policies at once, allowing you to compare coverage and premiums.

This information is intended for general informational purposes only and is not intended to constitute legal advice.

Sources

About Morgantown, WV

Data USA: Morgantown, WV

Morgantown Roads Ranked Worst in State

Automobile Mandatory Limits