Almost every state (except New Hampshire and Virginia) requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

The cost of insurance is affected by many factors, including the driver’s driving record. A single speeding ticket can increase your insurance rates by as much as 25-30%, and more serious offenses such as DUI/DWI, street racing, or hit-and-run can increase the cost of your insurance by 75% or more.

A driver who has received a ticket or citation for a criminal offense or traffic violation with the potential to increase their insurance rates may want to consult with a lawyer who has relevant experience and expertise.

In West Virginia (WV), drivers are required by law to carry a minimum amount of car insurance. This includes bodily injury liability coverage of at least $25,000 per person and $50,000 per accident, as well as property damage liability coverage of at least $25,000. These coverages pay for the medical expenses, property damage, and other costs of drivers, passengers, or pedestrians injured in an accident where the insured driver is at fault. The cost of auto insurance in WV can be influenced by various factors, including the driver's record. Traffic violations such as speeding can increase insurance premiums significantly, with more severe offenses like DUI/DWI or hit-and-run leading to even higher rate hikes. Drivers in WV who have been cited for traffic violations or criminal offenses that may impact their insurance rates should consider consulting with an attorney who specializes in traffic law to understand the potential consequences and explore options for defense or mitigation.