In West Virginia, you do not need to have auto insurance in place before the DMV will transfer a vehicle title to your name, but you must provide proof of insurance before you can register the vehicle and obtain new plates.
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Title Transfer Requirements
The DMV requires the signed title, a completed Application for Certificate of Title (Form MV-1), a valid photo ID, and payment of any applicable fees and taxes. If the vehicle is being gifted or sold, a bill of sale may also be needed.
When Insurance Becomes Mandatory
Once the title is in your name, West Virginia law requires that the vehicle be insured before it can be registered for road use. You must present a current insurance card or electronic proof of coverage at the time of registration.
Steps to Complete the Process
- Obtain the signed title from the seller.
- Complete Form MV-1 and gather your ID.
- Pay title and tax fees at the DMV.
- Provide proof of auto insurance before receiving plates and registration.
Common Questions
Can I drive the car without insurance after the title is transferred?
No. Driving an uninsured vehicle is illegal in West Virginia and can result in fines, suspension of your driver's license, and inability to register the car.
What if I have a lapse in coverage?
You must reinstate coverage and present proof before the DMV will issue or renew registration.