Car Insurance in Wheeling, WV
Learn essential details about car insurance in Wheeling, WV.
Situated on the Ohio River, Wheeling lies in the foothills of the Appalachian Mountains. The city is part of the Wheeling-Steubenville metro area, encompassing parts of West Virginia and Ohio. While Wheeling has an estimated population of 26,391. the entire metro area houses around 140,300 people.
The Wheeling-Steubenville metro area has a public transit system with several routes throughout the community. However, there is limited evening service and buses do not run on Sunday. As a result, most area residents commute by car. Wheeling drivers spend an average of 23.8 minutes on the road during their commutes.
Wheeling experiences an average rainfall of 30.8 inches and an average snowfall of 9.1 inches per year. Winter temperatures range between 10 and 50 degrees Fahrenheit. When combined with challenging terrain in mountainous areas, driving in Wheeling can sometimes be risky.
You can't get along without car insurance in Wheeling, WV, but you can get personalized coverage through VIU by HUB. Use our digital platform and simplify the shopping process.
West Virginia requires drivers to have liability auto insurance. It specifies several minimum coverage thresholds:
West Virginia's uninsured motorist coverage limit mirrors the minimum coverage limit for regular liability. Bodily injury pays claims for medical bills, lost wages, pain and suffering. Property damage handles claims for vehicles and objects involved in accidents.
Uninsured motorist coverage reimburses you for losses when the at-fault driver has no insurance. Only 9.2% of West Virginia motorists drive without indemnity protection, but having this coverage is still vital.
West Virginia doesn't require underinsured motorist coverage, but it's wise to include it in your car insurance in Wheeling, WV. It kicks in if you're in an accident with a motorist who lacks enough insurance to pay for your full damages. Without it, you may be forced to go to court or eat your losses.
The state doesn't mandate comprehensive and collision insurance. However, lenders do require drivers with financed vehicles to carry these coverages. Understanding what they offer can help you make sound decisions about your total coverage package.
Collision insurance handles claims from accidents involving other drivers or objects ” for example, running into a sign or a building. Comprehensive pays for everything else: damage from fires, flooding, storms, hail, theft, vandalism, malicious mischief and collisions with animals. Considering that West Virginia drivers have a 1 in 37 chance of hitting a deer, comprehensive is a critical part of an auto insurance package.
The average premium for full coverage car insurance in Wheeling, WV, is $1,447 per year. That's lower than the state's typical rates and the national average of $2,014. Individual rates may vary according to several factors:
Getting coverage is easier than ever with VIU by HUB. As a digital one-stop shop for personal insurance, it lets you get quotes, compare options, add extra coverages, bundle policies and buy your insurance package. No matter your budget or individual factors, you can find auto coverage that meets your needs.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
West Virginia Offices of the Insurance Commissioner
