West Virginia insurance laws
Insurance regulations, rate filing requirements, department info, and recent bulletins for West Virginia. Updated Jun 24, 2026.
West Virginia DOI page content changed
West Virginia DOI Website · Jun 24, 2026
Department of Insurance
West Virginia's insurance regulatory environment is designed to protect consumers while ensuring a competitive market for insurers. The state employs a prior approval system for rate changes, requiring insurers to obtain approval before implementing increases.
Auto Insurance
Notable Laws
- W.Va. Code § 33-6-31 - Uninsured and underinsured motorist coverage required at minimum $25,000/$50,000
- W.Va. Code § 17D-2A-3 - Required security and minimum insurance coverage of $25,000/$50,000/$25,000
- W.Va. Code § 33-6-31D - Optional higher limits of UM/UIM coverage must be offered to insureds
- W.Va. Code § 17D-2A-4 - Certificate of insurance requirements for proof of financial responsibility
- W.Va. Code § 33-6-31B - Anti-discrimination in setting auto insurance rates for uninsured motorist coverage
- WV Code § 33-6-31 - Uninsured Motorist Coverage
- WV Code § 17D-4-1 - Financial Responsibility Law
- WV Code § 33-6-31a - Underinsured Motorist Coverage
- WV Code § 33-6-31b - Coverage for Rental Vehicles
- WV Code § 33-6-31c - Coverage for Towing and Labor Costs
- WV Code §17D-4-2
- WV Code §33-6-31
- WV Code §33-6-31b
- WV Code §33-6-31c
- WV Code §33-6-31d
- WV Code § 17D-4-1 (Motor Vehicle Safety Responsibility Law)
- WV Code § 33-6A-1 (Cancellation or Nonrenewal of Automobile Liability Policies)
- WV Code § 33-6B-1 (Declination of Automobile Liability Insurance)
- WV Code § 33-6C-1 (Guaranteed Loss Ratios for Individual Sickness and Accident Insurance)
- WV Code § 33-6D-1 (Motor Vehicle Repair and Replacement Referrals)
Homeowners Insurance
Notable Laws
- W.Va. Code § 33-17A-4a - Nonrenewal permitted for any reason consistent with underwriting standards
- W.Va. Code § 33-17A-5 - 30-day written notice required for cancellation after 60 days coverage
- W.Va. Code § 33-6B-3 - Cancellation or nonrenewal based solely on adverse credit score prohibited
- W.Va. Code § 33-49 - Flood insurance disclosure requirements and coverage standards
- W.Va. Code § 33-20 - Rate filing and form approval requirements for property insurance
- WV Code § 33-17-1 - Homeowners Insurance Coverage Requirements
- WV Code § 33-17-2 - Fair Plan Coverage
- WV Code § 33-17-3 - Cancellation and Nonrenewal
- WV Code § 33-17-4 - Credit Scoring Regulations
- WV Code § 33-17-5 - Flood Insurance Requirements
- WV Code §33-17-1
- WV Code §33-17-2
- WV Code §33-17-3
- WV Code §33-17-4
- WV Code §33-17-5
- WV Code § 33-17-1 (Fire and Marine Insurance)
- WV Code § 33-17A-1 (Property Insurance Declination)
- WV Code § 33-17B-1 (Homeowners Insurance)
- WV Code § 33-17C-1 (Flood Insurance)
- WV Code § 33-17D-1 (Windstorm Insurance)
Recent Bulletins
Prescription Drug Rebate Impact to Commercial Health Insurance Plans
This bulletin discusses the impact of prescription drug rebates on commercial health insurance plans in West Virginia.
View bulletin2025 WV Health Insurance Marketplace Data
Provides data on West Virginia health insurance marketplace enrollment and rates for 2026 plan year
View bulletinSummary of 2025 Legislation
Overview of significant legislative changes affecting insurance in 2025.
View bulletinUse of Aerial Imagery by Homeowners Insurers
Guidance on the use of aerial imagery in underwriting and claims processes for homeowners insurance.
View bulletinArtificial Intelligence Systems
Guidance on the use of AI systems in insurance practices.
View bulletinRecent Law Changes
Insurance Holding Company Systems
Establishes group capital calculation filing requirements and liquidity stress test reporting for insurance holding company systems to align with NAIC model act
Requires insurers in holding company systems to file additional financial data for regulatory oversight
Effective: 2026-01-01
Prior Authorizations for Medical Care
Permits insurers to require prior authorization for prescription drugs regardless of gold card exemption status
Health care practitioners with gold card exemptions remain subject to prior authorization for pharmaceuticals
Effective: 2025-04-11
Reporting Requirements
Repeals or modifies various insurance reporting requirements including workers compensation and flood insurance notices
Reduces reporting burden on Insurance Commissioner and employers while maintaining flood insurance notification online
Effective: 2025-07-11
Post Traumatic Stress Disorder Claims
Expands list of professionals who may diagnose PTSD for first responder workers compensation claims to include certified mental health nurse practitioners and psychiatric physician assistants
First responders have more access to PTSD diagnosis from qualified mental health professionals
Effective: 2025-07-11
Pharmacy Audit Integrity Act Updates
Updated regulation of pharmacy benefit managers including point-of-sale prescription drug rebate pass-through requirements to reduce consumer cost sharing
Health insurers must pass rebates through to consumers at point of sale to reduce prescription drug costs
Effective: 2022-01-01
Health Insurance
Sign up for full health insurance data
Sign up — it's freeLife Insurance
Sign up for full life insurance data
Sign up — it's freeWorkers Compensation
Sign up for full workers compensation data
Sign up — it's freeCommercial Insurance
Sign up for full commercial insurance data
Sign up — it's freeGet full West Virginia insurance data
Health, life, workers comp, commercial lines, compliance penalties, rate filing requirements, and real-time DOI monitoring for all 51 jurisdictions.
Sign up — it's free