Non-owner car insurance is designed for individuals who often drive vehicles they don’t own. It provides liability coverage, which pays for property damage or bodily injuries you cause while driving someone else’s car. It offers financial protection and peace of mind, helping you avoid substantial, unexpected expenses should an accident occur.
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.
- Non-owner car insurance costs an average of $22 a month in Pennsylvania for the coverage limit of 15/30/5.
- The non-owner car insurance rate is $263 per year—lower than liability-only coverage of $504 for Pennsylvania drivers.
- Erie Insurance offers the cheapest non-owner car insurance rates in Pennsylvania at an average cost of $9 per month.
Do I need non-owner car insurance in Pennsylvania?
Non-owner car insurance in Pennsylvania is important for renting or borrowing cars. It helps cover costs if you’re at fault in an accident while driving a car you don’t own, so you’re not stuck paying for damages out of pocket. Also, it can work alongside the car owner’s insurance to offer additional coverage.
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 Pennsylvania
Non-owner car insurance costs an average of $22 a month and $263 per year in Pennsylvania for the coverage limit of 15/30/5.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in Pennsylvania
CarInsurance.com’s analysis shows that Erie Insurance offers the most affordable non-owner car insurance rates in Pennsylvania, at $9 per month. Other insurers like Westfield Insurance and Travelers also offer affordable premiums.
Your non-owner auto insurance rate may vary based on your driving history, ZIP code and coverage limits. Comparing quotes from multiple insurers can help you find the best insurance policy at affordable rates.
Below is a table showing the cheapest companies for non-owner car insurance in Pennsylvania.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Erie Insurance | $103 | $9 |
| Westfield Insurance | $123 | $10 |
| Travelers | $132 | $11 |
| State Farm | $220 | $18 |
| Geico | $256 | $21 |
| Nationwide | $517 | $43 |
| Progressive | $580 | $48 |
| USAA* | $181 | $15 |
Note: *USAA is only available to military community members and their families.
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Pennsylvania cities
In Harrisburg the average cost of non-owner auto insurance is $22 per month or $266 per year, and York drivers pay $23 a month for the same coverage.
Car insurance premiums in Pennsylvania 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.
The cost of living is another factor that influences non-owner car insurance rates. Cities with higher costs of living in Pennsylvania generally pay higher insurance premiums, including non-owner car insurance.
The table below shows how much you’ll pay for non-owner car insurance based on your city.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Harrisburg | $266 | $22 |
| York | $270 | $23 |
| Scranton | $287 | $24 |
| Lancaster | $287 | $24 |
| Erie | $291 | $24 |
| Bethlehem | $291 | $24 |
| Pittsburgh | $295 | $25 |
| Reading | $295 | $25 |
| Allentown | $318 | $27 |
| Philadelphia | $411 | $34 |
Affordable non-owner insurance in Pennsylvania, by ZIP code
In Pennsylvania, a 40-year-old driver living in ZIP code 16677 pays $178 a year or $15 per month for non-owner insurance, while the coverage costs $179 a year or $15 per month for a driver in ZIP code 16826 with a clean driving record.
When should you consider buying non-owner car insurance in Pennsylvania?
Non-owner car insurance is for individuals who don’t own a vehicle but still need coverage when driving someone else’s car. It generally offers liability coverage, which protects you if you cause damage or injury to others while driving a rented or borrowed vehicle.
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.
Maintaining continuous coverage is essential to help keep your insurance rates low in the future. Non-owner car insurance is an excellent option if you don’t own a car. Insurance companies may view lapses in coverage as risky, which can lead to 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 Pennsylvania
Non-owner car insurance is a good option in Pennsylvania to get auto insurance liability coverage if you rent or borrow vehicles occasionally, 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.
Non-owner car insurance is a smart way to maintain continuous coverage, helping you secure lower rates in the future. If you drive cars that aren’t your own regularly, be sure to get quotes from different companies to find 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.
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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