Cheap Car Insurance in Bluefield, WV

Located on the southernmost edge of West Virginia, the Bluefield metropolitan area extends into the Commonwealth of Virginia. The city itself is home to less than 10,000 residents, although the larger metropolitan area is home to more than 100,000. It is also home to Bluefield State University.

Due to its location in the Appalachian Mountains, the weather remains cool most of the year. This pleasant temperature has earned it the nickname “nature’s air-conditioned city, where the summer spends the winter.” On rare occasions when the temperature is above 90 degrees, the Chamber of Commerce hands out free lemonade. If you live or plan on traveling to Bluefield, be sure to understand car insurance in West Virginia.

In Bluefield, WV, the average monthly cost for full coverage car insurance is $124. This rate is below the national average of $148. Instead of full coverage insurance, you also have the opportunity to pay less for the state-required minimum coverage. You will face average monthly premiums of $38 for the minimum level of liability coverage. This is substantially less than the national average of $47 monthly.

For some people, the cost of these premiums is their primary concern. However, it is a good idea to consider securing more coverage than is required by state law. If you cause an accident and the damages are above your policy limits, you can expect to pay the rest out of your own pocket.

What Does Full vs. Minimum Mean?

Full coverage insurance—as the name suggests—is more than what is required under state law. In addition to helping pay for the damage you cause to other drivers in an accident, full coverage also helps pays for your own losses. With full, you typically have the liability required by law (or more, if you choose) and comprehensive coverage plus collision coverage.

Collision kicks in to help pay for damage to your car in a wreck. Comprehensive helps pay for things that happen to your vehicle, from hail damage to your car being stolen.

Minimum coverage means the least amount of liability coverage you can carry while complying with state law. This includes only liability insurance, meaning in most states, it will help pay for the injuries and damages you cause others. While this minimum coverage is less expensive, you will be paying for your own damages out of pocket in an accident.

How Many Fatal Accidents Happen in Bluefield?

Although the total number of traffic fatalities each year in Bluefield is fairly low, they are higher per capita compared to some larger cities. For example, 2020 saw a total of three traffic fatalities in Bluefield. However, there was only one fatality in all of 2021.

How Are the Road Infrastructure and Bridges in Bluefield, WV?

While the city has struggled with infrastructure issues over the years, Bluefield is in line to receive a significant infrastructure investment from state and federal sources. The city is one of three areas included in a pilot program that is designed to connect neighborhoods that have been cut off from opportunities in the larger metropolitan area. Bluefield is set to receive over $1 million for sidewalk and repaving projects targeting the city’s East End.

West Virginia law requires drivers to have a minimum level of liability insurance coverage. This minimum coverage must pay claims for bodily injury and property damage losses. The minimum liability coverage needed according to state law includes the following:

There are criminal consequences that come with driving without insurance in West Virginia. According to state law, if you are caught driving without insurance, you could face a range of penalties. You can typically expect steeper consequences for repeat offenses. These penalties include the following:

When your insurance company determines your monthly premiums, they are allowed to use a wide range of factors. These factors vary significantly from person to person, which is why your policy might be much more or much less than you anticipated. Your premiums could differ dramatically compared to someone your age when other factors in your lives are different. Some of the factors used by the insurance companies include the following:

West Virginia is considered an “at-fault” insurance state. That means when another person negligently damages your vehicle in an accident, you have the right to pursue legal action against them. If you cause a collision, your liability insurance should help cover those losses. However, your policy will only pay up to the limits you set, meaning you could be stuck paying for large claims on your own. Carrying full coverage insurance is the best way to avoid this kind of liability. Some things to consider when you damage property: