Table of Contents
In the US State of West Virginia, drivers can get penalty points or a demerit point where their driving license can be canceled or suspended. A driving license can be suspended or canceled based on the number of penalty points accumulated by West Virginia State drivers over some time because of the traffic offenses or infringements they committed during that period.
You can contact the Department of Motor Vehicles (DMV) for your State to check your penalty points. To check If Speeding Points Affect Insurance, read our article.
How do Points on a Driver’s License Affect Insurance in West Virginia?
In West Virginia, driver’s license points affect insurance premium costs. Based on our case study, the average car insurance premium in West Virginia is $1,499 per year for no violation points. If you get driving penalty points for a fault accident, your insurance premium cost will increase by an average of 21%, which will be $1,674 on average. Racing or reckless driving points can grow up to 60% of your insurance premium policy, so these offenses generate an average insurance cost of $2,003 in West Virginia.
However, each insurance company has its driving points records ranking system. For the same offenses or penalty points, you can have different insurance premium increases in various companies.
For example, for a same-fault accident in West Virginia, Nationwide can increase the insurance policy by 10%, while Allstate and Progressive insurance can increase up to 38%.
How long do points stay on your driving record in West Virginia?
Points for a given infraction remain on a driver’s record for two (2) years after the date of the conviction; the infraction remains on a driver’s record for five years.
How much do 2 points affect insurance in West Virginia?
In West Virginia, on average, two penalty points will affect a 4% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, others can increase costs by up to 61%.
How much do 3 points affect insurance in West Virginia?
In West Virginia, on average, three penalty points will affect an 8% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, others can increase costs by up to 80%.
How much do 4 points affect insurance in West Virginia?
In West Virginia, 4 penalty points will affect an average 6% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs up to 100%.
How much do 5 points affect insurance in West Virginia?
In West Virginia, five penalty points will affect an average 9% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 6 points affect insurance in West Virginia?
In West Virginia, six penalty points will affect an average 9% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 7 points affect insurance in West Virginia?
In West Virginia, seven penalty points will affect a 24% premium insurance increase on average. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 8 points affect insurance in West Virginia?
In West Virginia, eight penalty points will affect an average 46% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
The length of a suspension period for any West Virginia license holder
- 12 to 13 points will result in a 30-day suspension
- 14 to 15 points will result in a 45-day suspension
- 16 to 17 points will result in a 60-day suspension
- 18 to 19 points will result in a 90-day suspension, and
- Twenty or more points will result in license suspension until the driver’s point total is reduced to less than 12 points.
Offense and driving points record in West Virginia
| Violation | Points assessed |
| Reckless driving | 6 |
| Hit and run | 6 |
| Speeding in school zone | 6 |
| Eluding law enforcement | 8 |
| Failure to obey a traffic signal | 3 |
| Driving on the left side of the roadway | 3 |
| Speed too fast for conditions | 3 |
| Speeding 20 miles per hour or more over the limit | 6 |
| Speeding 15 to 19 miles per hour over limit | 5 |
| Speeding 11 to 14 miles per hour over limit | 3 |
| Speeding 10 miles per hour or less over the limit | 0 |
| Failure to yield right-of-way | 3 |
| Improper passing | 3 |
| Railroad violation | 3 |
| Lighting violation | 2 |
| Tailgating | 2 |
| More than three persons in the front seat | 2 |
| Improper backing | 2 |
| Wrong way on a one-way street | 3 |
| Improper turning | 2 |
| Littering | 3 |
| Unlicensed driving | 2 |
| Other moving violations | 2 |
| Equipment or weight violations | 0 |
From 2022.,Jason writes educational insurance articles for Promtinsurance.com.
Please read :
Jason Martin biography
Write email: jason@promtinsurance.com