Car Insurance in Fairmont, WV
Car insurance in Fairmont, WV, is crucial to safe and legal driving in the state.
Fairmont is a historical and cultural gem located in Marion County in north-central West Virginia. Originally named Middletown in 1820 because of its location between Clarksburg and Morgantown, the city became Fairmont in 1843. Today, the city is known for its heritage and history, as well as being the birthplace of the pepperoni roll, West Virginia's most iconic food.
The city's population is 18,369, with a median age of 34.4 years. The average household income in the city is $47,618, and most families own two vehicles and have a 20.8-minute daily commute.
Driving in Fairmont is relatively safe, with fewer fatal car crashes on average than the state. Still, the city is not the safest area. People in Fairmont have an above-average chance of becoming a victim of a property crime, such as car theft.
Fairmont has bus services that run on dedicated routes. While the services are convenient, they are not always the most practical for getting around town promptly. Vehicle ownership is still recommended in the city; however, because of the increased risk of property crime, ensure you have adequate car insurance coverage.
Insurance of any kind is a way to limit your financial risks regarding specific assets. Those assets, like a car or your health, can be tangible or intangible. The purpose of insurance is to reduce the risks of sudden and unexpected out-of-pocket expenses.
Car insurance in Fairmont, WV, comes in many forms, from liability to comprehensive coverage. Keep protection in mind as you assess your budget and different insurance policies. You want to buy an insurance policy that offers the most protection for your risks but remains affordable. Use VIU by HUB to compare multiple insurers and policies.
While you may not want to spend money on an insurance policy, you do not have a choice. West Virginia requires all vehicle owners in the state to carry liability and uninsured motorist coverage at a minimum.
Liability coverage is not for your injuries or property loss but for the other driver and their passengers if you are at fault for the accident. The mandate requires minimum coverage of $25,000 for the other driver's injuries or $50,000 for the other driver and their passengers. The policy should also have a $25,000 limit for property damage.
Uninsured motorist coverage is to protect you. While West Virginia requires insurance coverage, some drivers allow their policies to lapse or find workarounds. This policy ensures you have some financial help in the event of property damage or personal injury. The minimum limits are the same as with liability coverage.
Depending on the age and value of your vehicle, minimum coverage may be enough for you. However, you may want complete coverage for newer vehicles with higher resale values. Total coverage should offer protection for collision and non-collision accidents, such as falling objects, theft and vandalism.
The cost of car insurance in Fairmont, WV, is, on average, $1,761 annually. The amount you pay may vary depending on several factors:
With the number of insurance companies in the state, narrowing down your car insurance choices can be challenging. VIU by HUB can help you select car insurance by allowing you to compare several policies simultaneously.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
