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Commercial Auto Insurance in West Virginia

West Virginia requires security continuously during the registration period for each registered motor vehicle, with a $25,000/$50,000/$25,000 minimum and a limited seasonal-vehicle exception. Its auto-liability statute also requires uninsured-motorist bodily-injury coverage at least at those limits, while higher underinsured-motorist protection is an offered option rather than a universal minimum. 1,2,4

What Is Commercial Auto?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

West Virginia Requirements

RequirementDetails
Security for a registered vehicleMaintain continuously throughout registration; seasonal/periodic-use vehicles maintain security only during actual use 1
Minimum financial-responsibility limits$25,000 one person / $50,000 two or more people / $25,000 property damage 2
Uninsured-motorist bodily-injury coverage in a motor-vehicle liability policyAt least the financial-responsibility limits: $25,000/$50,000 4,2

What to Watch for in West Virginia

  • Coordinate Policy Cancellation With Plate Surrender

    If you drop required security during the registration period, West Virginia requires the owner or registrant to immediately surrender the registration plate. Do not cancel a fleet unit’s policy until registration has ended or plate surrender is arranged; a nonresident vehicle that has been present on state roads more than 30 days in the prior 365 days also becomes subject to continuous security while it remains in the state. 1

  • Use The Seasonal Exception Only For Qualifying Vehicles

    The statute limits its seasonal-use exception to a recreational vehicle, antique vehicle, motorcycle, or other motor vehicle stored part of the year and used seasonally. Do not assume a delivery van or work truck qualifies because it is temporarily parked; keep security through registration unless the vehicle fits the statutory category and use pattern. 1

  • Match The Certificate To The Fleet Schedule And Owner

    West Virginia requires the certificate to list the policyholder and, when different, the vehicle owner, and to describe each covered vehicle unless the vehicle is listed under a fleet policy. Keep the certificate or other proof in the vehicle and check that each unit is covered before inspection or dispatch. 3

  • Review UM And UIM As Different Selections

    The policy must include uninsured-motorist protection at least at West Virginia’s minimum liability limits. The statute separately provides an option to buy UM protection up to $100,000/$300,000/$50,000 and an option for uninsured/underinsured protection up to the liability limits you purchased; ask which selections are on the declarations and endorsements. 4,2

Who Regulates Insurance in West Virginia

West Virginia Offices of the Insurance Commissioner

The West Virginia Offices of the Insurance Commissioner administers West Virginia insurance laws, oversees insurers and insurance producers within its authority, and provides regulatory and consumer resources. You can use the department's complaint process to raise an insurance issue and its licensing resources to check insurance professionals. 5,6,7

Surplus-lines tax and stamping office

Reported tax rate: 4% of premium plus 0.55% surcharge The NAIC's state chart lists a 4% of premium plus 0.55% surcharge charge for surplus-lines coverage for West Virginia (the chart's state entries were reviewed in October 2025). Your broker may collect the applicable amount with the premium. Surplus-lines insurers are not licensed in the state and generally are outside state guaranty-association protection; ask your broker to explain the insurer's financial protections and any diligent-search requirement that applies to your placement. 8,9

Providers With Documented State Licenses

These providers publish a national listing for Commercial auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in West Virginia. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 12
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 15

Questions to Ask Before You Buy in West Virginia

  1. Are the listed West Virginia vehicles and registered owners consistent with the policy certificate and fleet schedule?
  2. If a vehicle is seasonal, what facts show it fits the statutory stored-part-of-year category rather than simply being parked temporarily?
  3. Who will surrender a vehicle’s plate before required security ends during its registration period?
  4. What UM and UIM limits are shown separately for each policy, and did the business select any optional higher limits?

Commercial Auto in West Virginia: FAQ

What are West Virginia’s minimum auto liability limits? 1,2

$25,000 for one person, $50,000 for two or more people, and $25,000 for property damage. Registered vehicles generally must maintain security throughout the registration period, subject to the statute’s listed exceptions. 1,2

Is uninsured-motorist coverage required in West Virginia? 4,2

Yes. A motor-vehicle liability policy must include uninsured-motorist bodily-injury protection at least at the state’s $25,000/$50,000 minimum limits; higher UM and UIM options are addressed separately in the statute. 4,2

Commercial Auto in Other States

Other Coverage in West Virginia

Sources

  1. West Virginia Code §17D-2A-3, Required Security; Exceptions. West Virginia Legislature; Subsections (a)–(f), continuous security, seasonal-vehicle condition, nonresident 30-day presence rule, approved methods and government-vehicle exceptions; current Code page dated 2026-09-28. Accessed 2026-09-28.
  2. West Virginia Code §17D-4-2, Proof of Financial Responsibility Defined. West Virginia Legislature; Subsection (b), current $25,000/$50,000/$25,000 amounts effective January 1, 2016 and prior-policy transition rule; current Code page dated 2026-09-28. Accessed 2026-09-28.
  3. West Virginia Code §17D-2A-4, Certificate of Insurance. West Virginia Legislature; Subsections (a)–(c), certificate identifies policyholder and different owner, vehicle descriptions/fleet exception, proof carried in vehicle, and permissible carrier registration proof; current Code page dated 2026-09-28. Accessed 2026-09-28.
  4. West Virginia Code §33-6-31, Motor Vehicle Policy; Uninsured and Underinsured Motorists’ Coverage. West Virginia Legislature; Subsections (a)–(c), permissive-use provision, required UM minimums tied to §17D-4-2, higher UM and UM/UIM options and definitions; current Code page dated 2026-09-28. Accessed 2026-09-28.
  5. West Virginia Offices of the Insurance Commissioner. West Virginia Offices of the Insurance Commissioner; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
  6. Insurance Department Directory. National Association of Insurance Commissioners; West Virginia Offices of the Insurance Commissioner entry; official contact and website listing. Accessed 2026-09-28.
  7. Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; WV row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
  8. Guaranty Associations & Funds. National Association of Insurance Commissioners; Coverage of claims from insolvencies of insurers licensed in a state; surplus-lines insurers are nonadmitted. Accessed 2026-09-28.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  11. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  12. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  13. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  14. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  15. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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