Ignition Interlock Coverage
West Virginia's Test and Lock program requires participants to carry liability insurance, but the device costs themselves are paid out-of-pocket unless you add this specific endorsement.
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What Is Ignition Interlock Coverage Insurance?
Ignition interlock coverage is an endorsement that reimburses the monthly lease, calibration service, and lockout fees for a court-ordered ignition interlock device. This endorsement shifts those recurring costs to your insurer in exchange for a monthly premium add.
Who Needs Ignition Interlock Coverage Insurance?
The endorsement pays for itself when total device costs over the program term exceed the cumulative premium — typically after three to four months.
Calculate your total device cost over the full program term — monthly rental times number of months, plus calibration visits times visit fee. Compare that total to the endorsement premium over the same period.
How Much Does Ignition Interlock Coverage Insurance Cost?
- Length of court-ordered interlock period — longer mandates increase total reimbursement exposure and raise premium.
- Device provider monthly rental rate — higher device costs increase the insurer's reimbursement liability.
- Calibration visit frequency — more frequent calibration requirements increase covered service costs.
- Your underlying liability premium — interlock coverage is priced as a percentage add to your base policy in some carrier models.
- State monitoring program structure — states with centralized monitoring and standardized device fees produce more predictable endorsement pricing.
- Prior interlock violations — missed calibrations or failed rolling retests can trigger higher endorsement premiums at renewal.
