West Virginia Motorcycle Insurance

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West Virginia has a Compulsory Insurance Law in place. That law requires that all vehicles, including motorcycles, be covered by liability insurance. The state requires that riders sign a statement that their bike is insured when renewing the registration. The law also requires that proof of insurance be on the bike at all times and that all motorcycles are subject to random insurance verification either by sample or when stopped by a police officer.

To help you understand some of the insurance issues in West Virginia, let’s have a look at how the state defines a motorcycle for law enforcement and insurance purposes, some of the required equipment to make your bike street legal, as well as the coverage levels and types you may need.

WV Motorcycle Insurance Law

To most people it may seem obvious what a motorcycle is, but every state must clearly define one for insurance purposes. In the Mountain State, a motorcycle is defined as:

”Every motor vehicle having a seat or saddle for the use of the rider and designed to travel on not more than three wheels in contact with the ground, but excluding a tractor.”

That is very broad, but the state’s statutes go on to say that the engine displacement must be larger than 150 cc and that it must be capable of traveling unassisted at speeds exceeding thirty miles per hour on a level road surface.

Whether you are in congested urban sprawl or wide open country, you and your bike must have certain equipment in order to be considered street legal in West Virginia. That equipment includes:

  • Eye protection: required.
  • Handlebar height: maximum of 15 inches above seat.
  • Helmet: required for all riders. Reflectorization required.
  • Mirrors: only one is required.
  • Turn Signals: required.
  • Passenger Seat/Footrest: both are required if carrying a passenger. No restrictions on a passenger’s age.
  • Headlight: required, modulating daytime headlight approved.
  • Muffler: required, but no acoustical limits set.
  • Safety Inspection: periodic inspection required.

WV Motorcycle Insurance Requirements

The legislature in West Virginia has established that the minimal motorcycle insurance limits are to be:

  • $20,000 for death or bodily injury to one person.
  • $40,000 for death or bodily injury to two or more persons.
  • $10,000 for damage or destruction of property.

These liability minimums will results in the cheapest motorcycle insurance in WV, but they aren’t ideal as far as protection goes. If the caps fall short, you may have to fill in any gaps out-of-pocket. Then there is your bike to consider. That is why you should always carry additional coverage. You may want to consider the following coverages:

  • Collision coverage protects your bike in the event of a collision with another vehicle or object such as a lamppost, mailbox, or tree. It may or may not include uninsured/under-insured coverage.
  • Comprehensive coverage covers your bike in the event of a mishap that’s not collision-related. Examples include weather–fire, wind, hail, flood–and acts of theft or vandalism.
  • Uninsured/Under-insured motorist coverage: at any given time more than 8 percent of the motorists in West Virginia are uninsured. With so many uninsured motorists on the roads you can understand the need for this type of coverage. The under-insured aspect of the policy protects you in case the other driver is from a state with lower minimum requirements or the injuries exceed the policy caps of an at fault motorist.

Cheapest WV Motorcycle Insurance

In order to secure the most cost-effective policy, you need to compare rates and policies from an array of insurers. This may sound like a pain, but we’ve hugely simplified the process. Just submit your zip code to get started, then select the companies from which you’d like to review quotes, policies, and rates. Why spend hours on the phone or in the office of an insurance agency, when you can do everything online?

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