Non-owner car insurance covers people who drive but don’t own a car. This type of insurance provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle. It’s important as it offers peace of mind and financial protection, saving you from potential out-of-pocket expenses from accidental liabilities.
Non-owner car insurance is usually more affordable than regular car insurance, as it doesn’t cover your own vehicle. The premium varies based on your driving record, age and location.
Carinsurance.com Insights
- Non-owner car insurance costs an average of $31 a month in West Virginia for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $367 per year—lower than liability-only coverage of $585 for West Virginia drivers.
- State Farm offers the cheapest non-owner car insurance rates in West Virginia at an average cost of $16 per month.
Do I need non-owner car insurance in West Virginia?
Non-owner car insurance in West Virginia is essential for those who often rent or borrow vehicles. It offers liability coverage in the event that you cause an accident while driving a car you rented or borrowed, helping protect you from costly out-of-pocket expenses. Additionally, it can act as supplementary coverage alongside the car owner’s existing insurance.
One common scenario where non-owner car insurance comes into play is when individuals frequently rent cars for personal or business use. Instead of purchasing insurance through the rental car company, which can be expensive, non-owner car insurance can provide similar coverage at a more affordable cost.
Additionally, keeping continuous insurance coverage, such as non-owner insurance when you’re between vehicles, can help keep your insurance premiums lower in the future. It offers coverage if you’re involved in an accident and deemed at fault. However, it does not cover the vehicle you are driving.
Average non-owner car insurance cost in West Virginia
West Virginia drivers can expect to pay an average of $31 per month or $367 annually for non-owner car insurance with a coverage limit of 25/50/25.
This rate may be higher or lower based on your driving profile, age, location and insurance company.
Cheapest non-owner car insurance companies in West Virginia
CarInsurance.com’s analysis shows that State Farm offers the most affordable non-owner car insurance rates in West Virginia, at $16 per month. Other insurers like Westfield Insurance and Erie Insurance also offer affordable premiums.
Non-owner auto insurance rates can differ depending on your driving history, ZIP code and coverage requirements. You should compare quotes from multiple insurers to find the best rate for your needs.
See the cheapest companies for non-owner car insurance in West Virginia in the table below.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| 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 |
Non-owner car insurance in West Virginia, by age and gender
In West Virginia, non-owner car insurance rates differ based on age and gender. For example, if you add a male teen driver to your car insurance, you’ll pay an average of $579 a month for insurance, whereas adding a 16-year-old female would cost you around $591 monthly.
Young drivers, both male and female, typically pay higher insurance rates. Inexperienced drivers are more likely to be involved in accidents, which increases the risk for insurance companies. As drivers age, they gain more experience behind the wheel and thus pay lower rates compared to teen drivers in West Virginia.
The table below shows how non-owner car insurance rates vary by age and gender in West Virginia.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $487 | $465 |
| Young Adults (20-24) | $384 | $384 |
| Adults (25-60) | $362 | $364 |
| Seniors (65-75) | $363 | $361 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest West Virginia cities
In Martinsburg non-owner auto insurance costs $29 per month or $345 annually, while drivers in Clarksburg pay $30 monthly for the same coverage.
Car insurance premiums in West Virginia vary by city, with insurers adjusting non-owner car insurance rates based on factors such as the frequency of accidents, theft and vandalism in the area.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any West Virginia city can lead to higher insurance rates overall, including non-owner car insurance.
See the table below for the cost of non-owner car insurance in your city.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Martinsburg | $345 | $29 |
| Clarksburg | $355 | $30 |
| Morgantown | $360 | $30 |
| Wheeling | $362 | $30 |
| Weirton | $374 | $31 |
| Parkersburg | $375 | $31 |
| Beckley | $384 | $32 |
| Charleston | $392 | $33 |
| Huntington | $403 | $34 |
Affordable non-owner insurance in West Virginia, by ZIP code
A 40-year-old West Virginia driver living in ZIP 25444 pays $327 a year or $27 per month for non-owner car insurance, whereas insurance rates in the ZIP code 26812 is $327 a year or $27 per month for a driver age with a clean driving record.
When should you consider buying non-owner car insurance in West Virginia?
Non-owner car insurance provides coverage for drivers who don’t own a car but still need insurance while driving someone else’s vehicle. This insurance primarily covers liability, helping you pay for any damages or injuries you may cause to others in the event of an accident.
Aside from providing coverage for accidents, non-owner car insurance can also supplement any existing coverage the car owner may have. It can offer peace of mind to the car owner, as they will not have to worry about their own insurance rates increasing due to an accident caused by someone else.
For example, if you’re driving a friend’s vehicle with only basic liability coverage, your non-owner insurance can help cover the extra costs if the damages exceed their policy’s coverage limits.
Moreover, maintaining continuous insurance coverage is important for keeping your future insurance rates low. This includes having non-owner car insurance when you may not own a vehicle. Insurance companies often view gaps in coverage as high-risk behavior, which can result in higher premiums.
Having non-owner car insurance during these gaps demonstrates your commitment to continuous coverage, which can help you maintain lower rates moving forward.
Final thoughts on non-owner car insurance in West Virginia
Non-owner car insurance is an excellent choice in West Virginia if you occasionally rent or borrow vehicles, use a car-sharing service or need to file an SR-22 form.
Non-owner car insurance is a valuable type of coverage for individuals who frequently rent or borrow vehicles. It provides liability protection while driving someone else’s car and can supplement any existing coverage the car owner may have.
It is also beneficial for maintaining continuous insurance coverage, which can help keep your rates low in the future. Consider a non-owner car insurance policy if you frequently use vehicles that do not belong to you, and get quotes from three different companies to ensure you’re getting the best rate.
Resources & Methodology
Methodology
CarInsurance.com gathered data on non-owner car insurance rates from Quadrant Information Services. The rates are for non-owner state minimum liability only and the coverage limit varies by state.
To determine non-owner car insurance rates for different companies, CarInsurance.com used a sample profile of a 40-year-old male and female driver who owns a Honda Accord LX with no traffic violations on his record. We compared 53,409,632 insurance quotes across 34,588 ZIP codes from 170 insurance companies in the U.S.
Insurance company: Based on the analysis, we have created lists of the companies that offer non-owner insurance. USAA also made it to the list, but it provides services only to current and former military members and their families.
Age group: Non-owner car insurance rates are calculated by evaluating the sample profile for different age groups.
- Teens: Age 16-19
- Young adults: Age 20-24
- Adult drivers: Age 25-60
- Senior drivers: Age 65-75
To get non-owner car insurance rates for different cities and age groups we have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 75 company groups nationwide. These are sample rates and should only be used for comparison purposes.
These are sample rates and should only be used for comparison purposes.
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