State Farm offers the cheapest non-owner car insurance for West Virginia drivers with clean records at just $25 monthly, below the state average of $35. Explore other affordable choices below.
Cheapest Non-Owner Car Insurance in West Virginia
Updated: February 3, 2025
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Best Cheap Non-Owner Car Insurance in West Virginia: Key Takeaways
State Farm offers the cheapest non-owner SR-22 car insurance in West Virginia for drivers with a driving incident, with an average monthly cost of $28.
Non-owner insurance covers you when driving a vehicle you don't own, as long as you meet the state's minimum coverage requirements.
Consider non-owner insurance if you borrow or rent cars frequently or need to reinstate your license without a traditional policy.
Cheapest Non-Owner Car Insurance in West Virginia
| State Farm | $303 | $25 |
| Nationwide | $457 | $38 |
| GEICO | $470 | $39 |
| Progressive | $716 | $60 |
Cheapest Non-Owner SR-22 Car Insurance in West Virginia
State Farm offers West Virginia's most affordable SR-22 non-owner policy at just $28 monthly — half the state average of $56 for minimum coverage. The table below compares other SR-22 providers.
| State Farm | $340 | $28 |
| Nationwide | $547 | $46 |
| GEICO | $724 | $60 |
| Progressive | $1,059 | $88 |
How Much Is Non-Owner Car Insurance in West Virginia?
West Virginia's average monthly non-owner car insurance cost is $35, less than the national average of $43. The state average for SR-22 insurance is $56, higher than $48 nationally. Your premium will depend on your driving history and other factors.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
West Virginia Average Cost
Monthly Premium
$35Non-owner car insurance in West Virginia is cheap:$8 saved
This is 19% less expensive.
West Virginia Non-Owner Car Insurance: Buyer's Guide
Our guide helps drivers decide if non-owner insurance is right for them, covering the basics, cost and who benefits most.
What Is Non-Owner Car Insurance?
Non-owner insurance is for drivers who frequently borrow or rent cars but don't own one. It covers injuries and damage caused in an accident. This plan is ideal for those who want affordable protection while driving others' vehicles. Below, we compare non-owner insurance with standard policies.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does West Virginia Allow Non-Owner Car Insurance?
West Virginia offers non-owner insurance for residents without a vehicle but needing coverage. If you must file an SR-22, affordable plans are available to meet state requirements.
WEST VIRGINIA MINIMUM INSURANCE REQUIREMENTS
West Virginia's minimum coverage requirements apply to non-owner car insurance. The limits are:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $25,000 uninsured/underinsured property damage coverage
These state minimums may not fully protect you. Consider how much coverage you need before purchasing a policy.
Should You Get Non-Owner Car Insurance in West Virginia?
Non-owner car insurance is a smart choice for those who drive but don’t own a car. It covers you when driving rentals or borrowed vehicles, offering affordable protection for frequent drivers of other people's cars.
AVOID ONE-DAY CAR INSURANCE
Beware of "one-day insurance" offers in West Virginia, as they're likely fraudulent. For temporary coverage, such as during a move or road trip, purchasing insurance from a car rental company is safer.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
Non-owner insurance provides coverage when driving a borrowed vehicle, without taking on the owner's insurance costs.
Occasional renters
Non-owner insurance provides affordable coverage, helping you avoid the higher costs of rental company insurance.
Drivers between cars
Non-owner insurance maintains continuous coverage for drivers who don't own a car but plan to buy one, potentially lowering future premiums.
License reinstatement-seekers
Non-owner policies provide an affordable way to meet insurance requirements for drivers seeking license reinstatement after a suspension.
WHAT IS SR-22 INSURANCE?
An SR-22 is a form your insurance company sends to the DMV to prove you have the state minimum coverage. Also called a Certificate of Financial Responsibility, the SR-22 is sometimes needed after offenses such as DUIs or driving without insurance.
Cheap Non-Owner Car Insurance in West Virginia: Bottom Line
West Virginia provides non-owner car insurance for drivers, including those needing SR-22 forms. State Farm is the most affordable option, followed by Nationwide and GEICO. For the best deal, compare quotes from several providers.
Non-Owner Car Insurance in West Virginia: FAQ
Find answers to common questions about non-owner car insurance in West Virginia below.
Which company offers the cheapest non-owner car insurance in West Virginia?
State Farm offers the cheapest non-owner car insurance in West Virginia at $25 monthly and SR-22 coverage at $28.
How much does non-owners car insurance cost in West Virginia?
In West Virginia, non-owner car insurance typically costs $424 annually or $35 per month. For drivers needing SR-22 insurance, the cost increases to about $667 annually or $56 per month.
West Virginia Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled West Virginia auto insurance rates by collecting data from the West Virginia Offices of the Insurance Commissioner and Quadrant Information Services. We examined 240 quotes from five providers to identify the state's best and most affordable options.
Coverage Levels
We compared non-owner car insurance rates from companies in West Virginia using minimum coverage policies. The state-required minimum coverage includes:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $25,000 uninsured/underinsured property damage coverage
Drivers and Cars in West Virginia
To find the best and most affordable companies for non-owner car insurance in West Virginia, we used a sample driver profile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit history
- 12,000 miles driven annually
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.