Auto Insurance
Non-OwnerCar InsuranceWest VirginiaCheapest and Best Non-Owner Car Insurance in West Virginia (2023)
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Non-owner auto insurance in West Virginia provides coverage against bodily injury of other parties and property damage if you cause an accident in a car you do not own. You might also need it after a DUI conviction to reinstate your license.
State Farm provides the best and cheapest non-owner car insurance in West Virginia when getting the state’s minimum liability requirements. The company also offers the most affordable insurance for high-risk drivers that would require an SR-22 filing in other states, but West Virginia does not have that requirement.
Non-OwnerCar InsuranceWest VirginiaTable of Contents
Cheapest With a Clean Record - State Farm
Cheapest With an Offense - State Farm
Best Non-Owner Car Insurance - State Farm
Cheapest Non-Owner Car Insurance in West Virginia
MoneyGeek found that the following companies offer the most affordable non-owner car insurance in West Virginia:
- Drivers with clean records: State Farm ($25 per month)
- Drivers with an at-fault accident: State Farm ($28 per month)
Although the average cheapest company is the same in West Virginia, a driving violation on your record can increase your premium — which is why a driver pays around $3 more per month for a non-owner policy after an at-fault accident, according to MoneyGeek’s analysis.
Cheapest Non-Owner Car Insurance With a Clean Driving Record in West Virginia
If you have a clean driving record and want a non-owner policy in West Virginia, the following companies are, on average, the cheapest:
- State Farm: $25 per month
- Nationwide: $38 per month
But as a military community member, USAA may be the best option. It’s the cheapest insurance company for a non-owner policy in West Virginia, with an average monthly cost of $15.
The average statewide cost of non-owner car insurance is $35 in West Virginia, less than the national average of $43 per month.
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WEST VIRGINIA MINIMUM INSURANCE REQUIREMENTS
West Virginia’s minimum car insurance requirements do apply to non-owner car insurance. The state-minimum policy limits are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $25,000 uninsured motorist property damage per accident
But you should estimate how much coverage you need with MoneyGeek’s resources. Purchasing minimum coverage might not be sufficient because of its low financial protection.
Cheapest Non-Owner SR-22 Car Insurance in West Virginia
SR-22 insurance in West Virginia is not a requirement because the state does not mandate filing that certificate of financial responsibility. The following insurance companies provide the average cheapest rates for non-owner car insurance for high-risk drivers in West Virginia:
- State Farm: $28 per month
- Nationwide: $46 per month
You may choose USAA if you are a veteran or active-duty military member. The company ranks first for the cheapest non-owner policy as a high-risk driver in West Virginia, charging around $22 monthly.
In some states, a severe offense like an at-fault accident may require the filing of an SR-22 form and higher rates. But in West Virginia, you do not have to file an SR-22, although rates are higher.
The average cost of non-owner insurance is $56 in West Virginia for high-risk drivers, less than the national average of $59 monthly.
WHAT IS SR-22 INSURANCE?
SR-22 is a certificate of financial responsibility that an insurance company files with the state on a high-risk driver’s behalf to demonstrate that their policy meets the state-minimum auto insurance requirements. SR-22 is not an insurance policy, but it is commonly called “SR-22 insurance.”
West Virginia doesn’t require drivers to file an SR-22, but if you move from another state that does, you may still need to uphold the SR-22 car insurance requirement of that state while living in West Virginia.
What Is Non-Owner Car Insurance?
Non-owner car insurance is for licensed drivers who do not own a car but occasionally drive vehicles, such as those who frequently borrow or rent cars. It might also suit you if you need liability coverage to reinstate your driver’s license. A non-owner policy in West Virginia will pay for injuries you cause to other drivers or their passengers and damages to property in an accident.
Look at the table below to see the differences in coverage between a non-owner and full coverage policy.
Policy Coverage | Full Coverage | Non-Owner |
|---|---|---|
Liability insurance |  | |
Medical payments | | |
Personal injury protection | | |
Uninsured/underinsured motorist | | |
Rental car liability | | |
Collision | | |
Comprehensive | |
Average Cost of Non-Owner Car Insurance in West Virginia
MoneyGeek found that the average cost of non-owner auto insurance in West Virginia is $35 per month, less than the national average of $43. Rating factors like your age and motor vehicle record may have a more significant effect on the policy cost than your location.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43West Virginia Average Cost
Monthly Premium
$35On average, non-owner car insurance in West Virginia is:$8 saved
This is 19% less expensive.
Best Non-Owner Car Insurance in West Virginia
The following insurance companies offer the best non-owner auto insurance in West Virginia:
- State Farm: MoneyGeek score of 69 out of 100 ($25 per month)
- GEICO: MoneyGeek score of 61 out of 100 ($39 per month)
- Nationwide: MoneyGeek score of 54 out of 100 ($38 per month)
MoneyGeek scored these companies after assessing factors like J.D. Power customer satisfaction ratings, AM Best financial stability ratings and affordability.
We explain essential information about these companies below.
State Farm
Based on MoneyGeek’s analysis, State Farm is the best option for non-owner car insurance in West Virginia. The company ranks well for customer satisfaction and has an affordable rate. You may get discounts with State Farm, such as for maintaining a clean driving record.
Read MoneyGeek’s review of State Farm auto insurance to learn more about the company.
GEICO
GEICO came in second for non-owner car insurance in West Virginia, based on MoneyGeek’s analysis. Although the company has a below-average claims handling score, it has a good customer satisfaction score. GEICO may provide a discount for safe driving, as a member of the military community or if you are a federal employee.
Read MoneyGeek’s GEICO auto insurance review to learn more.
Nationwide
Nationwide is also a suitable option for non-owner car insurance in West Virginia. The company may have the second-cheapest rate, but its customer satisfaction score is below average. With Nationwide, you may get a discount for setting up automatic payments, paperless billing or safe driving.
MoneyGeek’s Nationwide review has more information on the company.
Should You Get Non-Owner Car Insurance in West Virginia?
A non-owner policy in West Virginia can significantly benefit you in many ways if you do not own a car. It covers bodily injury and property damage liability when you drive a rental car or borrow a vehicle from others, and this policy might be required to reinstate your license.
Who Should Consider Non-Owner Car Insurance?
Car borrowers
Borrowing a car puts a lot of financial responsibility on you, as you may have to cover the costs if you get into an at-fault accident in that car. But you won't have to worry about the other driver’s or passengers' bodily injury and property damage claims if you carry non-owner car insurance.
Occasional renters
You have the option to purchase coverage for a rental car through the company, but it can be very expensive. A non-owner policy is a good choice for people who frequently rent cars since it covers liability at a reasonable price. To protect the rental car, though, consider purchasing collision coverage from the company.
Drivers between cars
You should purchase a non-owner insurance policy if you have just sold your car and are looking to buy a new one. It’s essential to avoid a lapse in coverage as insurers may charge you a higher rate if you have not been continuously insured.
License reinstatement seekers
To reinstate your license after it gets suspended due to a serious violation, you can buy non-owner car insurance.
ONE-DAY CAR INSURANCE
You might consider getting the “one-day insurance” that some insurers offer when looking for temporary car insurance in West Virginia. However, MoneyGeek advises against it as it may be a scam and not an actual insurance product. You will be better off purchasing rental car insurance from the company if you need coverage for a short period, such as going on a road trip.
Frequently Asked Questions About Non-Owner Car Insurance in West Virginia
MoneyGeek answered the following frequently asked questions to help you understand the best options for non-owner car insurance in West Virginia.
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About Mark Fitzpatrick
sources
- Foremost. "Auto Insurance." Accessed June 14, 2023.