Non-Owner Car Insurance in West Virginia
Numbers updated
Liability insurance for drivers in West Virginia who don't own a car.
- $47. average monthly liability cost for owners.
- 25/50/25. These are the minimum liability limits.
- 32nd of 51most expensive state (1st = highest)
Non-owner insurance: who it suits
- You often drive borrowed or rented cars, but you don't own one.
- With no car for you to insure, West Virginia asks you for proof of current insurance through a filing (WV Certificate of Insurance, form WV-1B).
- You want to avoid a coverage gap between cars, since that can increase the next price.
What this policy covers
A non-owner policy covers liability only. It must meet the 25/50/25 minimum required in West Virginia.
If you cause a crash while driving a borrowed car, it pays other people. Repairs to the car you drive aren't covered here. Usually, the owner's policy pays first.
How much it costs
No official average is available for non-owner insurance. In West Virginia, the average annual liability cost for car owners is $567. Non-owner policies usually cost less because you don't keep a car in your driveway every day.
Learn more about West Virginia car insurance
Written first on