Non-owner car insurance in West Virginia: Best and cheapest companies

Cheapest non-owner car insurance companies in West Virginia

The cheapest non-owner car insurer in West Virginia is State Farm, with rates averaging $188. The second cheapest West Virginia non-owner insurer is Westfield Insurance. Average rates are $193.

Compare the cheapest non-owner car insurance companies in West Virginia below.

Company	Average annual premium	Average monthly premium
State Farm	$188	$16
Westfield Insurance	$193	$16
Erie Insurance	$194	$16
Geico	$327	$27
Encova Insurance	$583	$49
Nationwide	$593	$49
Progressive	$712	$59
USAA	$142	$12

Data updated in 2024

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Best non-owner car insurance in West Virginia

Although Erie Insurance came out on top, State Farm and Geico are also excellent choices for providing non-owner coverage.

To find the best non-owner car insurance companies in West Virginia, we looked at several factors, including how many complaints each company receives, financial stability and average rates. We used rate data from Quadrant Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners.

The table below compares the top non-owner car insurance companies in West Virginia.

Company	Average annual premium	J.D. Power	NAIC	AM Best	Overall score
Erie Insurance	$194	863	0.61	A+	3.96
State Farm	$188	843	0.70	A++	3.64
Geico	$327	818	0.91	A++	3.13
Westfield Insurance	$193	833	1.08	A	2.97
Nationwide	$593	820	0.64	A+	2.75
Progressive	$712	814	0.65	A+	2.55

Data updated in 2024

Read our methodology

Insurance.com's top choices for non-owner car insurance

Take a closer look at our top picks for non-owner car insurance in West Virginia.

Erie Insurance

Erie Insurance is our top choice for non-owner car insurance in West Virginia. Its average annual non-owner car insurance cost is $194. Erie Insurance has an AM Best score of A+ and a low NAIC complaint ratio of 0.61.

State Farm

State Farm is another great option for non-owner car insurance in West Virginia, with average rates of $188 per year. It has an AM Best rating of A++ and a low NAIC complaint ratio of 0.7.

Geico

Our third choice is Geico, with an average rate of $327. It has an NAIC complaint ratio of 0.91 and an AM Best rating of A++.

Non-owner car insurance in West Virginia by age and gender

Whether you're looking for non-owner or standard car insurance, age and gender affect your rates in West Virginia.

Age is one of the most important factors that impacts car insurance rates. Younger drivers lack experience and are more likely to be in accidents. That means car insurance companies charge higher rates to offset claims.

Gender also plays a part in determining car insurance rates in most states. Males tend to be riskier drivers and have more injuries, leading to higher premiums.

Below are the average West Virginia rates for non-owner car insurance based on age and gender.

Age group	Female	Male
Teens (16-19)	$487	$465
Young Adults (20-24)	$384	$384
Adults (25-60)	$362	$364
Seniors (65-75)	$363	$361

Data updated in 2024

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Average annual rates for non-owner vs. traditional car insurance

Non-owner car insurance is typically cheaper than standard car insurance since coverage is minimal. Non-owner car insurance only includes liability coverage, while owner car insurance can include a lot more coverage.

For example, non-owner car insurance in West Virginia doesn't pay for damages to the car you're driving or any injuries you sustain. Owner car insurance can include collision and comprehensive coverage to pay for vehicle damages.

Insurance companies assume that people without a car drive less often, and because non-owner car insurance works as a backup to the owner's policy, the risk of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. is much lower.

The table below shows a comparison of average yearly rates for non-owner and standard car insurance.

Non-owners state minimum policy	$367
Traditional state minimum policy	$510
State minimum car insurance limits	25/50/25

Data updated in 2024

Read our methodology

Average cost of non-owner car insurance in West Virginia

The average cost of non-owner car insurance in West Virginia is $367, but your rate may differ depending on your driving record, age and the coverage you choose.

The bottom line: Non-owner car insurance in West Virginia

West Virginia drivers may need non-owner car insurance for various reasons, such as renting or borrowing a car. However, this type of coverage typically only offers liability coverage to pay for property damage or bodily injuries you cause to others. Coverage does not extend to you or the vehicle you're driving.

Non-owner car insurance in West Virginia costs an average of $367, with State Farm offering the lowest rates. Our analysis found that Erie Insurance is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your insurance rates.

Take the time to compare options to find the best non-owner car insurance in West Virginia. Use the tool above to easily compare non-owner insurance providers near you.

Expert's Insight "Consumers may think it's only important to maintain insurance when they own a vehicle, without realizing that gaps in insurance coverage might disqualify them from the benefit of certain discounts. Some individuals will cancel their auto policy when they're between vehicles or simply don't have regular access to a vehicle. Demonstrating a history of continuous insurance coverage can not only help you qualify for future discounts but can also provide you protection and peace of mind in the event you are involved in an accident while driving, or even riding in, someone else's car. A non-owner policy is an inexpensive way to accomplish both," says Rick Kautzer, director of product management at Dairyland Insurance.

Methodology

Insurance.com analyzed non-owner car insurance companies in 2024 to find the cheapest and the best overall based on rates and third-party ratings.

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on a 40-year-old driver with a clean record and good credit for a state minimum liability policy. These rates were one of the factors used to rank the best companies.

For additional data points in the ranking, customer complaints ratios were pulled from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume. Overall customer satisfaction ratings were drawn from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000. Finally, AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.