West Virginia Trucking Insurance Requirements
Insurance requirements and costs for trucking in West Virginia.
Minimum Liability and Coverage
West Virginia follows federal minimums: $750,000 for general freight, $1 million for hazmat. West Virginia follows a modified comparative fault system (50% bar). Total annual insurance runs $9,000-$15,500. Primary liability averages $6,500-$11,000. Mountain road risks increase physical damage premiums. Workers' comp is required for employers with one or more employees — premiums average $9-$14 per $100 of payroll. Coal trucking operations have specific premium classifications. The state's declining population and moderate legal environment help keep insurance affordable.
FAQs — West Virginia Trucking Insurance
Primary liability averages $6,500-$11,000 annually. Total insurance runs $9,000-$15,500. Mountain driving risks increase physical damage premiums. Coal trucking has specific classifications. Overall costs are moderate for the Mid-Atlantic region.