Non-Owner Car Insurance in West Virginia: The Cheapest Options and What You Need to Know

The average cost of non-owner car insurance in West Virginia is $363 annually. GEICO offers the most affordable option, which costs $126 on average per year. MoneyGeek’s comprehensive guide explains how non-owner car insurance works in West Virginia. Our research will help you find the best policy for your needs.

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Last Updated: 8/16/2022

Non-owner car insurance is a good option if you don’t own a car but frequently use rentals or car-sharing services. A non-owner policy can also be used as proof of insurance when you need your license reinstated following a violation.

Non-owner car insurance rates in West Virginia vary depending on the insurer and the driver’s record. A driver with a DUI will pay an average of $476 annually for non-owner car insurance, while a driver with a clean record will pay $363 per year on average.

MoneyGeek analyzed the costs of non-owner car insurance in West Virginia and explains when a non-owner policy is necessary.

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Cheapest Non-Owner Car Insurance Companies in West Virginia

In West Virginia, a non-owner liability car insurance policy costs less than traditional car insurance. Drivers can save even more by comparing quotes from different insurers to get cheap non-owner car insurance in West Virginia.

MoneyGeek found that the cheapest non-owner car insurance companies in West Virginia, on average, are:

  • GEICO: $126 per year
  • State Farm: $305 per year

Progressive has the most expensive policy for non-owner coverage in West Virginia, averaging $645 yearly.

The rates in this analysis are for a 40-year-old driver with a non-owner car insurance policy in West Virginia, with the limits detailed in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in West Virginia

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $126
    $11
  • USAA
    $163
    $14
  • State Farm
    $305
    $25
  • Nationwide
    $576
    $48
  • Progressive
    $645
    $54
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How Much Is Non-Owner Car Insurance in West Virginia?

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A non-owner insurance policy costs an average of $363 yearly in this state. This is cheaper than the average cost of traditional car insurance at $549 annually.

For those with a severe driving violation, such as a DUI, non-owner car insurance in West Virginia costs around $476 yearly. Meanwhile, the same driver can obtain traditional car insurance for $971 on average.

Cheapest DUI Non-Owner Car Insurance Companies in West Virginia

A non-owner policy is an affordable option for those in West Virginia who need car insurance but don’t have a vehicle of their own. Drivers with violations, such as DUIs, on their records may opt for non-owner car insurance since it’s cheaper than traditional car insurance.

If you have a DUI on your record, the insurers that offer the cheapest widely available non-owner car insurance policies in West Virginia are, on average:

  • State Farm: $305 per year
  • GEICO: $430 per year

USAA offers the most affordable policy, which costs around $263 per year, but it is only available to those with a military background. Progressive has the most expensive non-owner policy for West Virginia drivers with a DUI, at an average rate of $804 yearly.

Cheapest DUI Non-Owner Car Insurance Companies in West Virginia

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $263
    $22
  • State Farm
    $305
    $25
  • GEICO
    $430
    $36
  • Nationwide
    $576
    $48
  • Progressive
    $804
    $67
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What Is Non-Owner Car Insurance in West Virginia?

Non-owner car insurance, also referred to as non-owner liability insurance, is the best option for those who need insurance but don’t own a vehicle. A non-owner policy includes the minimum liability coverage required in West Virginia, as well as uninsured motorist coverage with the same limits.

However, non-owner car insurance plans in West Virginia are not full coverage policies, so they do not include comprehensive and collision insurance.

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When buying non-owner car insurance in West Virginia, your policy should meet the minimum requirement for liability coverage set by the state, including:

  • $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 injury liability per person
  • $50,000 uninsured motorist injury liability per accident
  • $25,000 uninsured motorist property damage per accident

Who Should Get Non-Owner Car Insurance in West Virginia?

If you are a driver in West Virginia, a non-owner car insurance policy may be the best option for you in these circumstances:

  • You don’t own a car but frequently drive rentals or use car-sharing services: A non-owner car insurance policy will give you the minimum liability coverage required by the state to cover bodily injury and property damage to others in case you cause an accident. It also includes uninsured motorist coverage with the same limits. This policy is cheaper than traditional car insurance in the long run.
  • Your license is suspended and you need to get it reinstated: If your license has been suspended, a non-owner insurance policy can be used as proof of insurance to get your license reinstated.
  • If you want to keep your insurance from lapsing while you do not have a car: If you want to maintain your insurance coverage while you don’t own a car, a non-owner car insurance policy is an affordable way to avoid a lapse in coverage. This will save you money in the long run because insurance providers may significantly increase your rates if there’s a period when you don’t have insurance.

Who Shouldn’t Get Non-Owner Car Insurance in West Virginia?

A non-owner car insurance policy is not always necessary. For example, if you occasionally drive a friend’s car with their permission, you will be covered under their policy, which makes it unnecessary to purchase non-owner car insurance.

Similarly, drivers in West Virginia who use rental cars only occasionally would be better off purchasing rental insurance from the car rental company each time instead of maintaining a non-owner car insurance policy.

How to Get Non-Owner Car Insurance in West Virginia

All the companies listed by MoneyGeek in this guide offer non-owner car insurance in West Virginia. Typically, you won’t be able to request quotes for this type of insurance policy online. If you plan to buy from any of these car insurance providers, the best way to get a quote is to reach out to them directly using the contact information below.

Contact Non-Owner Car Insurance Companies in West Virginia
  • Company
    Contact Number
  • GEICO
    800-207-7847
  • USAA
    800-531-8722
  • State Farm
    800-782-8332
  • Nationwide
    877-669-6877
  • Progressive
    888-671-4405

Frequently Asked Questions About West Virginia Non-Owner Car Insurance

The differences between non-owner car insurance and a traditional auto insurance policy can lead to some confusion. To help you make an informed decision, take a look at the answers to some of the most frequently asked questions about non-owner car insurance in West Virginia:

Methodology

MoneyGeek collected non-owner car insurance quotes from insurance companies throughout West Virginia in collaboration with Quadrant Information Services. The policies were based on a 40-year-old driver with a clean driving record as well as one with a DUI. This guide used the minimum car insurance requirements in West Virginia with the exception of liability insurance, which includes the following limits:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

We applied the same limits to traditional car insurance policies.