State risk profile
West Virginia
AutoRiskIQ explains the location-level forces that influence auto insurance pressure across West Virginia. Scores are informational and focus on relative risk, not individual outcomes.
Score status
42
/ 100
Percentile-based relative to national average.
Updated 2025-12-30.
Risk scale
Relative risk pressure levels used across AutoRiskIQ.
Risk readiness
Core risk signals for West Virginia
Accident & Exposure Risk
Crash frequency, severity, and traffic density exposure relative to national patterns.
Weather & Environmental Risk
Severe weather exposure is below the national distribution based on FEMA hazard signals.
Cost & Repair Pressure
Repair cost levels are near the national midpoint, with inflation pressure near the national midpoint.
Claim Friction & Legal Context
Claim friction signals show complaint frequency is above the national distribution, complaint severity is above the national distribution, litigation environment is below the national distribution.
Theft & Fraud Exposure
Vehicle theft rates are below the national distribution.
Market Structure Context
Market structure signals show rate filing activity is below the national distribution, market concentration is above the national distribution.
Live traffic context
Active incident feeds in West Virginia
State DOT 511 feeds offer a near-term view of disruptions that can raise short-term claim and repair pressure.
Counts reflect active incidents reported by public traffic systems, not a full crash census.
Active incidents
338
Feeds monitored: 20. Source: State DOT 511 incident feeds + TomTom traffic incidents (third-party).
Top incident types
Risk spotlight
Claim Friction & Legal Context in West Virginia
We highlight the highest-pressure risk signal in West Virginia and show the public inputs that drive the score.
72
/ 100
Claim friction signals show complaint frequency is above the national distribution, complaint severity is above the national distribution, litigation environment is below the national distribution.
Complaint frequency (normalized)
Complaints per premium volume normalized by market share.
Sources: NAIC Consumer Complaint Database
Complaint type severity
Claims handling, delays, settlement disputes, coverage interpretation.
Sources: NAIC, State DOI
Regulatory enforcement intensity
Market conduct exams and claims-handling enforcement.
Sources: State DOI enforcement actions
Litigation environment
Dispute escalation likelihood and settlement pressure.
Sources: State court statistics, Tort reform status
Market stress indicators
Claim severity, fraud, and repair dispute signals in filings.
Sources: SERFF, Rate filing justifications
Premium pressure context
How premiums compare with risk in West Virginia
This context index uses public NAIC average premium data to show how pricing pressure compares with the risk baseline. It is not a quote or a recommendation.
38
/ 100
Average combined premium: $1,227
Premium pressure is roughly aligned with the current risk baseline.
State context
Data-backed context for West Virginia
This section summarizes the strongest public signals behind the state score, highlights trend direction, and flags shifts in claim friction and repair pressure.
Leading signals
Claim Friction & Legal Context
Claim friction signals show complaint frequency is above the national distribution, complaint severity is above the national distribution, litigation environment is below the national distribution.
Cost & Repair Pressure
Repair cost levels are near the national midpoint, with inflation pressure near the national midpoint.
Market Structure Context
Market structure signals show rate filing activity is below the national distribution, market concentration is above the national distribution.