Non-owner auto insurance in West Virginia: Which company has the cheapest rates?

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Non-owner auto insurance in West Virginia costs $293 a year, which is $60 lower than the rest of the nation on average, according to Insure.com’s 2023 rate analysis.

In West Virginia, non-owner policies are available from companies such as State Farm, Westfield Insurance and Geico.

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in West Virginia.

How much does non-owner auto insurance cost in West Virginia?

Non-owner insurance is usually cheaper than full coverage car insurance—insurers consider non-owner policyholders as less risky because they have minimal access to a vehicle.

On average in the U.S., it costs drivers with clean driving records and good credit scores $1,682 annually for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for any damages to property. In West Virginia, full coverage car insurance costs $1,528.

Alternatively, non-owner car insurance is $353 a year on average in the United States and $293 in West Virginia.

But actual rates are based on your age and driving history and also where in West Virginia you live.

Which insurer offers the cheapest non-owner insurance rates in West Virginia?

In West Virginia, USAA’s non-owner insurance policy is the cheapest at $131 a year.

At $689 a year, Progressive charges the highest rate for non-owner insurance in the state.

The best way to find the lowest price is to compare quotes from several different insurers. We have listed West Virginia’s most affordable non-owner insurance policies below.

Cheapest non-owner insurance rates in West Virginia

Note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in West Virginia by age?

Age is an important factor when it comes to pricing. Young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. West Virginia non-owner insurance costs, on average, $783 a year for a 16-year-old, while it’s $296 for a 45-year-old driver.

Average non-owner auto insurance rates in West Virginia by age and gender

Which West Virginia cities have the cheapest non-owner auto insurance?

Rates differ from ZIP code to ZIP code. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism in an area.

The tables below show which cities in West Virginia have the lowest and highest non-owner car insurance rates.

The 20 West Virginia cities with the lowest non-owner car insurance rates

The 20 West Virginia cities with the highest non-owner car insurance rates

How much is non-owner auto insurance in West Virginia’s 10 biggest cities?

The largest cities in West Virginia have different non-owner insurance rates. The cost of non-owner insurance in Huntington is the most expensive at $312; Delray, Kirby and Mathias have the cheapest rates of the largest cities in the state at $254.

Non-owner auto rates in West Virginia’s 10 largest cities

How non-owner insurance rates in West Virginia compare to rates in other states

Non-owner auto insurance rates also differ from state to state. West Virginia’s average non-owner insurance rate is $293 a year, lower than the $353 national average. At $170 per year, South Dakota is the cheapest, followed by Idaho at an average of $190 a year. Iowa is the third most affordable at $193 annually.

Non-owner auto insurance rates in the 10 most populous states

How to get non-owner car insurance in West Virginia

Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card.

To purchase a policy, follow these steps:

1. Contact an auto insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly.

For a non-owner insurance policy, you’ll need to call your insurer rather than go online for a quote.

“The best way to find any insurance is to shop around and price match,” says Marlon Moss, a licensed agent at A Plus Insurance.

Here are a few insurance companies with phone numbers to call for a non-owner insurance quote.

• State Farm: 800-782-8332
• Geico: 800-207-7847
• Progressive: 888-671-4405
• Allstate: 800-726-6033
• USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.

Leslie Kasperowicz

Managing Editor

 

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com.