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

Which companies offer the cheapest non-owner car insurance in West Virginia?

Erie Insurance has the cheapest non-owner car insurance in West Virginia, with average annual rates of $238. GEICO is the second-cheapest option at $281 per year. Your final rate may change based on your age, driving history, ZIP code and coverage limits.

The table below lists the most budget-friendly non-owner car insurance companies in West Virginia.

Company	Average annual premium	Average monthly premium
Erie Insurance	$238	$20
GEICO	$281	$23
Progressive	$1,097	$91
USAA	$152	$13

Read our methodology

Best non-owner car insurance in West Virginia

GEICO is our top pick for non-owner car insurance in West Virginia. Erie Insurance and Progressive are also strong options based on affordability, customer satisfaction and financial strength

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 (NAIC).

The table below shows a comparison of the best non-owner car insurance companies in West Virginia.

Company	Average annual premium	J.D. Power	NAIC	A.M Best	Overall score
GEICO	$281	643	0.60	A++	4.37
Erie Insurance	$238	706	0.77	A	4.33
Progressive	$1,097	625	0.60	A+	3.16
USAA	$152	743	1.16	A++	4.50

Read our methodology

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

Explore our top recommendations for non-owner car insurance in West Virginia.

GEICO

Our top choice for non-owner car insurance in West Virginia is GEICO, with an average rate of $281 for liability coverage. GEICO holds an AM Best rating of A++ and has an NAIC complaint ratio of 0.60.

Erie Insurance

Another excellent choice for non-owner car insurance in West Virginia is Erie Insurance. Average rates are $238 annually. Erie Insurance has an AM Best rating of A and an NAIC complaint ratio of 0.77.

Progressive

Our third pick is Progressive. Progressive rates average $1,097. Its NAIC complaint ratio is 0.60, and it has a rating of A+.

PEOPLE ASK:

Do I need West Virginia non-owner car insurance to drive a friend's car?

Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.

How much does non-owner car insurance cost in West Virginia?

The average cost of non-owner car insurance in West Virginia is $442 per year, but individual rates vary significantly based on factors such as driving history, ZIP code, and coverage limits

Your rate will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code

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

Teen drivers and younger motorists usually pay the highest premiums because insurers consider them higher risk. Rates generally decrease after age 25, remain lowest for drivers in their 50s and may increase slightly after age 65.

How it works:

Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
Rates start to level out around the age of 25 and continue to drop
Drivers in their 50s pay the lowest average rates
After 65, rates increase, but not dramatically

Even in a state that bans the use of age and gender for car insurance rates, like West Virginia, your years of driving experience will still impact what you pay.

Below are the average non-owner car insurance rates in West Virginia by age and gender.

Age group	Male	Female
Teens (16-19)	$962	$915
Young Adults (20-24)	$559	$555
Adults (25-60)	$443	$449
Seniors (65-75)	$456	$451

Read our methodology

Do you need non-owner car insurance in West Virginia?

You may need non-owner car insurance in West Virginia if you frequently borrow or rent cars, need to file an SR-22, or want to maintain continuous coverage. However, it's unnecessary if you already own a vehicle or only drive occasionally.

You may need non-owner car insurance if:

You frequently drive cars owned by others and want an extra layer of protection
You frequently rent cars
You need insurance to file an SR-22 in order to reinstate your license
You want to prevent a lapse in coverage while in between cars

You don't need a non-owner policy if:

You own and insure your own vehicle
You only drive cars owned by others occasionally
You drive a company car for which insurance is provided by your employer

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.

Furthermore, because insurance companies anticipate that people who don't own a car will drive less frequently, and because non-owner car insurance is secondary 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 compares average annual rates for non-owner and owner car insurance.

Non-owners state minimum liability only	$442
Traditional state minimum policy	$587
State minimum car insurance limits	25/50/25

Read our methodology

What does West Virginia non-owner car insurance cover?

Non-owner car insurance in West Virginia generally provides the minimum required liability coverage, including bodily injury and property damage liability. In no-fault states, policies will also include required personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. (PIP) coverage. However, non-owner insurance does not cover damage to the vehicle you are driving.

Non-owner car insurance is considered secondary coverage, meaning it only kicks in after the car owner's policy limits are exceeded.

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

Drivers in West Virginia might need non-owner car insurance for different situations, like renting or borrowing a vehicle. However, this coverage typically only includes liability protection to cover property damage or injuries you cause to others. It does not cover you personally or any damage to the car you're driving.

Non-owner car insurance in West Virginia costs an average of $442 per year. Erie Insurance offers the cheapest average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $238. Based on our analysis of rates, complaint data and financial strength, GEICO is the best overall insurer for non-owner coverage in West Virginia.

Be sure to compare your options to find the best non-owner car insurance in West Virginia. You can use the tool above to quickly and easily compare non-owner insurance providers in your area.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios 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 from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.

FAQ: Non-owner car insurance in West Virginia

Do I need non-owner insurance to drive a friend's car in West Virginia?

No. If you have permission to drive the vehicle, the owner's insurance policy will normally cover you. However, if accident costs exceed the policy limits, non-owner insurance can provide additional liability protection.

Can I use non-owner insurance for Uber or delivery driving in West Virginia?

No. Non-owner car insurance does not cover commercial driving activities such as Uber, Lyft or food delivery services. Drivers using vehicles for rideshare or delivery work need commercial or rideshare insurance coverage that specifically includes business-related driving risks.

Does non-owner insurance cover rental cars?

Yes. A non-owner policy will provide you with liability coverage in a rental car. However, it doesn't cover damage to the vehicle itself, only injuries and damage to others.