Car Insurance Non-owner auto insurance in West Virginia: Which company has the cheapest rates? The average cost in West Virginia for a non-owner car insurance policy is $293 a year, but USAA and Erie Insurance offer lower rates. Written by: Leslie Kasperowicz | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Posted on March 16, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. It costs an average of $293 a year for non-owner car insurance in West Virginia, which is $87 lower than the U.S. average, according to a 2023 rate analysis from Insure.com. In West Virginia, these policies are available from companies such as State Farm, Westfield Insurance and Geico, in addition to many others. “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. In addition to understanding the various requirements, it’s important to know what non-owner insurance is, which companies offer it and how much it costs in West Virginia. How much does non-owner car insurance cost in West Virginia? Non-owner insurance is usually cheaper than typical auto insurance — insurance companies consider non-owner policyholders less risky because they have minimal access to a vehicle. On average in the U.S., it costs drivers with good credit scores as well as clean driving records $1,682 per year 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 property damage. It is $1,528 in West Virginia. Alternatively, non-owner car insurance costs $380 a year on average in the United States and $293 in West Virginia. There are different variables to consider when comparing rates, such as where in West Virginia you live, which insurer you purchase from as well as your age and driving history. Which insurer offers the cheapest non-owner insurance rates in West Virginia? With an average annual cost of $131, USAA’s non-owner insurance policy is West Virginia’s most affordable. At $689 a year, Progressive charges the highest rate for non-owner insurance in the state. To find the best price, compare quotes from different insurance companies. Below is a list of the cheapest non-owner insurance available in the state. Cheapest non-owner insurance rates in West Virginia CompanyAverage annual premiumUSAA$131Erie Insurance$153State Farm$190Westfield Insurance$195Geico$227 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 also important when it comes to pricing. Statistically, young drivers are riskier because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. In West Virginia, a 45-year-old will pay $296 annually on average for a non-owner insurance policy compared to a 16-year-old driver who will pay $783 on average. Average non-owner auto insurance rates in West Virginia by age and gender AgeMaleFemale16$805$76017$691$65318$627$59119$540$51120$514$48721$377$37222$351$34823$338$33524$325$32825$304$30830$295$30135$294$31440$293$29945$293$29950$290$29555$290$29260$291$29365$294$29770$300$30275$318$314 Which West Virginia cities have the cheapest non-owner car insurance? There’s a great deal of variation from city to city when it comes to rates. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism within the area. Below are charts displaying the cities in West Virginia that have the least and most expensive non-owner auto insurance rates. The 20 West Virginia cities with the lowest non-owner car insurance rates Cities in West VirginiaLowest non-owner car insurance ratesDelray$254Kirby$254Mathias$254Wardensville$254Baker$255High View$255Purgitsville$255Capon Bridge$256Capon Springs$256Elk Garden$256Green Spring$256Keyser$256Levels$256Lost City$256Moorefield$256New Creek$256Old Fields$256Petersburg$256Romney$256Slanesville$256 The 20 West Virginia cities with the highest non-owner auto insurance rates Cities in West VirginiaHighest non-owner car insurance ratesGilbert$348Kermit$348Justice$346Matewan$345Wharncliffe$345Williamson$345Delbarton$344Dingess$344Lenore$344Breeden$343Chattaroy$343Naugatuck$343Ragland$343Rawl$343Red Jacket$343Borderland$342Baisden$341Edgarton$341North Matewan$341Varney$341 How much is non-owner car insurance in West Virginia’s 10 biggest cities? The most populous cities in West Virginia sometimes have rates that are significantly different. The non-owner insurance price in Huntington is the most expensive at $321. Delray has the least expensive rates among the state’s most populous cities at $254. Non-owner auto rates in West Virginia’s 10 largest cities 10 largest cities in West VirginiaNon-owner car ratesHuntington$321Charleston$314Beckley$306Weirton$301Parkersburg$300Wheeling$292Clarksburg$292Morgantown$284Martinsburg$272Delray$254 How non-owner insurance rates in West Virginia compare to rates in other states The rates for non-owner auto insurance will vary from state to state. The average non-owner insurance rate in West Virginia is $293, which is lower than the national average of $380. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 a year and Iowa at $193 per year. Non-owner car insurance rates in the 10 most populous states StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385National Average$380Georgia$373Pennsylvania$337California$323Ohio$230 How to get non-owner auto insurance in West Virginia To get a non-owner policy, you’ll need your driver’s license number and a credit or debit card. To purchase a policy, follow these steps: Contact a car insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs Put down a payment to begin coverage Often, you’ll receive proof of insurance very quickly. For a non-owner car insurance policy quote, you must call your insurer instead of visiting their website. “The best way to find any insurance is to shop around and price match,” says Marlon Moss, a licensed agent at A Plus Insurance. Below are some insurers 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. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... Full coverage auto insurance: What it costs to get covered A complete guide to car insurance for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... 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How non-owner insurance rates in West Virginia compare to rates in other states How to get non-owner auto insurance in West Virginia Get instant quotes now ! Please enter valid zip Get quote