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 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.
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 Virginia
Virginia drivers can expect to pay an average of $24 per month or $290 annually for non-owner car insurance with a coverage limit 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
According to CarInsurance.com’s analysis, Auto-Owners offers the lowest non-owner car insurance rates in Virginia, with an average cost of $9 per month. Geico and State Farm also provide affordable non-owner insurance premiums.
Non-owner auto insurance rates may vary based on your driving record, ZIP code, and coverage needs. It’s a good idea to compare quotes from multiple insurers to find the best rate for your specific situation.
Below is a table showing the cheapest companies for non-owner car insurance 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 can vary by age and gender. When you add a male teen driver to your car insurance, your premiums could go up by $637 a month, while adding a 16-year-old female might increase your monthly cost by $570 .
Young drivers, both male and female, typically pay higher insurance rates. Inexperienced drivers are more likely to be involved in accidents, which increases the risk for insurance companies. As drivers age, they gain more experience behind the wheel and thus pay lower rates compared to teen drivers 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
In Roanoke non-owner auto insurance costs $24 per month or $289 annually, while drivers in Suffolk pay $26 monthly 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.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any Virginia city can lead to higher insurance rates overall, including non-owner car 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
In Virginia, a 40-year-old driver living in ZIP code 24142 pays $207 a year or $17 per month for non-owner insurance, while the coverage costs $217 a year or $18 per month for a driver in ZIP code 24515 with a clean driving record.
When should you consider buying non-owner car insurance in Virginia?
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.
Non-owner car insurance provides coverage for accidents and can serve as an additional layer of protection that complements the car owner’s current policy. It reassures the car owner that they won’t have to worry about their insurance rates going up due to an accident caused by another driver.
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.
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.
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 Virginia
Non-owner car insurance in Virginia is ideal for those who rent or borrow vehicles, use car-sharing services or are required 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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