Cheapest and Best Non-Owner Car Insurance in West Virginia (2024)

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.

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.

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.

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.

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.

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.

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.

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.

MoneyGeek answered the following frequently asked questions to help you understand the best options for non-owner car insurance in West Virginia.