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

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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

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

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

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

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

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

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:

1. Contact a car 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 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.