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 cheaper than standard car insurance since it doesn’t cover a Virginia driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
- Non-owner car insurance costs an average of $24 a month in Virginia for the coverage limit of 30/60/20.
- The non-owner car insurance rate is $290 per year—lower than liability-only coverage of $477 for Virginia drivers.
- Auto-Owners offers the cheapest non-owner car insurance rates in Virginia at an average cost of $9 per month.
Do I need non-owner car insurance in Virginia?
Non-owner car insurance in Virginia 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.
Non-owner insurance can be beneficial for maintaining continuous coverage when you’re between cars, helping to keep your insurance rates lower in the future. It provides liability protection if you’re at fault in an accident, though it doesn’t cover the car you drive.
Average non-owner car insurance cost in Virginia
Non-owner car insurance costs $24 a month or $290 per year in Virginia for coverage limits of 30/60/20.
This rate may be higher or lower based on your driving profile, age, location and insurance company.
Cheapest non-owner car insurance companies in Virginia
CarInsurance.com’s analysis shows that Auto-Owners offers the most affordable non-owner car insurance rates in Virginia, at $9 per month. Other insurers like Geico and State Farm 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.
The table below highlights the cheapest non-owner car insurance companies in Virginia.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Auto-Owners | $104 | $9 |
| Geico | $210 | $18 |
| State Farm | $228 | $19 |
| Virginia Farm Bureau | $287 | $24 |
| Erie Insurance | $291 | $24 |
| Travelers | $291 | $24 |
| Progressive | $745 | $62 |
| USAA* | $191 | $16 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Virginia, by age and gender
Non-owner car insurance costs in Virginia vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $637 monthly, whereas if you add a 16-year-old female, you’ll pay $570 per month, based on CarInsurance.com’s analysis.
Both male and female teen drivers usually pay higher insurance premiums because they are considered higher risk due to their inexperience. As drivers age and gain more experience, they generally see a decrease in their insurance costs in Virginia.
The table below shows the cost of non-owner car insurance based on age and gender.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $554 | $496 |
| Young Adults (20-24) | $388 | $360 |
| Adults (25-60) | $290 | $290 |
| Seniors (65-75) | $323 | $312 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Virginia cities
Non-owner auto insurance cost in Roanoke is $24 a month or $289 a year, whereas drivers in Suffolk pay $26 a month for the same coverage.
Insurance rates vary by city in Virginia. Car insurance companies consider the rate of accidents, theft, and vandalism in a particular area when determining the premiums for non-owner car insurance.
The cost of living also determines the premiums. In areas with higher costs of living in Virginia, you can expect to pay more for non-owner insurance.
See how much you’ll pay for non-owner car insurance in your city in the table below.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Roanoke | $289 | $24 |
| Suffolk | $317 | $26 |
| Richmond | $319 | $27 |
| Alexandria | $323 | $27 |
| Newport News | $337 | $28 |
| Virginia Beach | $338 | $28 |
| Hampton | $339 | $28 |
| Chesapeake | $349 | $29 |
| Norfolk | $349 | $29 |
| Portsmouth | $362 | $30 |
Affordable non-owner insurance in Virginia, by ZIP code
A 40-year-old Virginia driver living in ZIP 24142 pays $207 a year or $17 per month for non-owner car insurance, whereas insurance rates in the ZIP code 24515 is $217 a year or $18 per month for a driver age with a clean driving record.
When should you consider buying non-owner car insurance in Virginia?
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.
Maintaining non-owner car insurance during this time proves your commitment to continuous coverage, helping to keep your insurance rates more affordable in the long run.
Final thoughts on non-owner car insurance in Virginia
Non-owner car insurance is a good option in Virginia 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.
It is a good option for those who often rent or borrow vehicles as it offers liability coverage when driving someone else’s car and can supplement the car owner’s existing insurance policy.
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.
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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