West Virginia motorcycle insurance

Q: What's the best motorcycle insurance in West Virginia?

One in three insured motorcycle riders choose Progressive. ** Whether you ride in Charleston, Huntington, or Morgantown, the best motorcycle insurance features dependable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in West Virginia for motorcyclists without eliminating the valuable protection you need for peace of mind while riding.

West Virginia is home to winding roads and mountain vistas that invite bikers from all over the country. As a leader in motorcycle insurance, Progressive helps bikers ride protected with personalized coverage, and we offer a variety of discounts to help riders save on motorcycle insurance in West Virginia. Find out everything you need to know about state requirements, coverages, cost information, and more.

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What are the minimum requirements for motorcycle insurance in West Virginia?

West Virginia motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries and damages you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, in order to more fully protect your assets.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversProperty damage you cause to others in an accident	Minimum amount$25,000 per accident
Uninsured motorist bodily injury	What it coversInjuries to you and your passengers caused by a motorist with no liability coverage	Minimum amount$25,000 per person $50,000 per accident
Uninsured motorist property damage	What it coversProperty damage caused by a motorist with no liability coverage	Minimum amount$25,000 per accident

Do you need comprehensive and collision coverage?

If you finance or lease your bike, your lender will usually require you to carry comprehensive motorcycle coverage or collision motorcycle coverage. The state of West Virginia doesn't mandate either coverage, but comprehensive and collision offer motorcycle owners a way to protect their bike against physical damage and loss. Comprehensive may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, or weather-related issues. Collision can cover damage to your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in West Virginia?

In 2023, the annual cost for a Progressive motorcycle insurance policy in West Virginia with liability coverage only was $203.09^* Many factors influence your price for motorcycle insurance, including your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

Pro tip:

Bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.

What's the best motorcycle insurance in West Virginia?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Charleston, Huntington, or Morgantown, the best motorcycle insurance features dependable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in West Virginia for motorcyclists without eliminating the valuable protection you need for peace of mind while riding.

You can decrease the cost of motorcycle insurance in West Virginia with motorcycle insurance discounts, such as:

Multi-policy discount
Motorcycle license/endorsement discount
Responsible driver discount
Safety course discount
Association membership discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in West Virginia

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in West Virginia

West Virginia motorcycle laws state that you must obtain a motorcycle license or have a motorcycle endorsement on your driver's license to legally operate a motorcycle.
All West Virginia motorcycle riders and passengers are required to wear a DOT-approved helmet, per the West Virginia DMV.
Looking for ideas for your next West Virginia motorcycle adventure? Here are 5 Incredible Motorcycle Rides in West Virginia, according to West Virginia Tourism.
There are no shortages of motorcycle rallies and events in West Virginia. See all upcoming events.