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 $29 a month in Washington for the coverage limit of 25/50/10.
- The non-owner car insurance rate is $349 per year—lower than liability-only coverage of $731 for Washington drivers.
- Geico offers the cheapest non-owner car insurance rates in Washington at an average cost of $15 per month.
Do I need non-owner car insurance in Washington?
Non-owner car insurance in Washington 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.
Non-owner car insurance often benefits people who frequently rent cars for personal or business use. Instead of opting for expensive coverage through the rental company, you can consider getting non-owner insurance that offers the same level of protection at a more affordable rate.
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 Washington
Non-owner car insurance costs an average of $29 a month and $349 per year in Washington for the coverage limit of 25/50/10.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in Washington
Geico offers the cheapest non-owner car insurance rates in Washington at an average cost of $15 per month, based on CarInsurance.com’s analysis. Other than Geico, State Farm and Travelers also have cheap non-owner insurance 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.
The table below highlights the cheapest non-owner car insurance companies in Washington.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Geico | $182 | $15 |
| State Farm | $237 | $20 |
| Travelers | $290 | $24 |
| Nationwide | $433 | $36 |
| Farmers | $471 | $39 |
| Progressive | $693 | $58 |
| USAA* | $137 | $11 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Washington, by age and gender
Non-owner car insurance costs in Washington can vary by age and gender. When you add a male teen driver to your car insurance, your premiums could go up by $930 a month, while adding a 16-year-old female might increase your monthly cost by $903 .
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 Washington.
The table below shows how non-owner car insurance rates vary by age and gender in Washington.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $722 | $687 |
| Young Adults (20-24) | $424 | $409 |
| Adults (25-60) | $345 | $344 |
| Seniors (65-75) | $364 | $347 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Washington cities
In Spokane Valley non-owner auto insurance costs $28 per month or $335 annually, while drivers in Spokane pay $30 monthly for the same coverage.
In Washington, car insurance rates differ by city, as insurance companies assess the frequency of accidents, theft and vandalism when determining non-owner car insurance premiums.
The cost of living also determines the premiums. In areas with higher costs of living in Washington, you can expect to pay more for non-owner 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 |
|---|---|---|
| Spokane Valley | $335 | $28 |
| Spokane | $356 | $30 |
| Vancouver | $401 | $33 |
| Everett | $419 | $35 |
| Bellevue | $421 | $35 |
| Seattle | $434 | $36 |
| Renton | $447 | $37 |
| Tacoma | $455 | $38 |
| Federal Way | $456 | $38 |
| Kent | $458 | $38 |
Affordable non-owner insurance in Washington, by ZIP code
A Washington driver aged 40 living in ZIP code 98811 pays $232 annually or $19 monthly for non-owner car insurance, while a 40-year-old in ZIP code 99149 with a clean driving record pays $244 per year or $20 per month.
When should you consider buying non-owner car insurance in Washington?
Non-owner car insurance is designed for individuals who do not own a vehicle but still need coverage for the times they drive a car that is not their own. This type of insurance typically provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle.
In addition to covering accidents, non-owner car insurance can help fill in gaps, offering extra protection on top of the car owner’s existing policy. It gives the car owner peace of mind, knowing their insurance rates won’t increase because of an accident caused by someone else.
For instance, if you’re driving a friend’s car and their insurance only includes minimum liability coverage, your non-owner policy can help cover any extra costs if the accident exceeds their policy’s 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.
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 Washington
Non-owner car insurance is an excellent choice in Washington if you occasionally rent or borrow vehicles, use a car-sharing service or need to file an SR-22 form.
Non-owner car insurance provides valuable liability protection for individuals who regularly rent or borrow cars while behind the wheel. It can also work alongside the car owner’s coverage to offer additional protection.
By maintaining continuous coverage with a non-owner car insurance policy, you can keep your rates lower in the future. If you regularly use rented or borrowed vehicles, get quotes from multiple insurance companies to ensure you get the best deal.
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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