West Virginia insurance laws
Insurance regulations, rate filing requirements, department info, and recent bulletins for West Virginia. Updated Aug 21, 2026.
West Virginia DOI page content changed
West Virginia DOI Website · Aug 21, 2026
Department of Insurance
The West Virginia insurance regulatory environment is designed to protect consumers and ensure that insurance companies fulfill their obligations. The state has a comprehensive framework for various types of insurance, including auto, health, life, homeowners, workers' compensation, and commercial insurance, with specific statutes governing each area.
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)
- 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)
- WV Code §33-6-29
- W. Va. Code §17D-4-1 (Motor Vehicle Safety Responsibility Law)
- W. Va. Code §33-6A-1 (Cancellation or Nonrenewal of Automobile Liability Policies)
- W. Va. Code §33-6B-1 (Declination of Automobile Liability Insurance)
- W. Va. Code §33-6C-1 (Guaranteed Loss Ratios for Individual Sickness and Accident Insurance Policies)
- W. Va. 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)
- WV Code §33-17-1 (Property 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)
- W. Va. Code §33-17-1 (Property Insurance)
- W. Va. Code §33-17A-1 (Property Insurance Declination, Termination and Disclosure)
- W. Va. Code §33-17B-1 (Homeowners' Insurance Rates)
- W. Va. Code §33-17C-1 (Homeowners' Insurance Cancellation)
Recent Bulletins
Prescription Drug Rebate Impact to Commercial Health Insurance Plans
This bulletin discusses the impact of new pharmacy reimbursement laws 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
This bulletin summarizes significant legislation enacted during the 2025 Regular Session of the West Virginia Legislature.
View bulletinUse of Aerial Imagery by Homeowners Insurers
This bulletin provides guidance on the use of aerial imagery in homeowners insurance.
View bulletinArtificial Intelligence Systems
This bulletin addresses the use of AI systems in insurance and their compliance with state laws.
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
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Health, life, workers comp, commercial lines, compliance penalties, rate filing requirements, and real-time DOI monitoring for all 51 jurisdictions.
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