Non-owner car insurance is perfect for those who drive occasionally but don’t own a car. It provides liability coverage, ensuring that any damages or injuries you cause to others while driving someone else’s car are covered. With this insurance, you can drive knowing you’re financially protected.
Non-owner car insurance is usually cheaper than standard car insurance since it doesn’t cover a Pennsylvania 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 $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 crucial for individuals who frequently rent or borrow vehicles. It provides liability coverage if you cause an accident while driving a vehicle not owned by you, protecting you from potential out-of-pocket expenses. It can also supplement any existing coverage the car owner may have.
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.
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 Pennsylvania
Non-owner car insurance costs $22 a month or $263 per year in Pennsylvania for coverage limits of 15/30/5.
This rate can vary depending on factors such as your driving history, age, location and the insurance company.
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.
The table below highlights the cheapest non-owner car insurance companies 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 non-owner auto insurance costs $22 per month or $266 annually, while drivers in York pay $23 monthly 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
A 40-year-old Pennsylvania driver living in ZIP 16677 pays $178 a year or $15 per month for non-owner car insurance, whereas insurance rates in the ZIP code 16826 is $179 a year or $15 per month for a driver age with a clean driving record.
When should you consider buying non-owner car insurance in Pennsylvania?
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 example, if you are driving a friend’s car and they only have minimum liability coverage, your non-owner insurance can help cover any additional expenses if the accident exceeds their policy limits.
Keeping continuous insurance coverage is key to securing lower rates in the future. This includes having non-owner car insurance when you don’t own a vehicle. Insurance companies often see gaps in coverage as a sign of high risk, which could 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 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.
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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