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 $26 a month in Washington, D.C., for the coverage limit of 25/50/10.
- The non-owner car insurance rate is $310 per year—lower than liability-only coverage of $785 for Washington, D.C., drivers.
- Geico offers the cheapest non-owner car insurance rates in Washington, D.C., at an average cost of $15 per month.
Do I need non-owner car insurance in Washington, D.C.?
Non-owner car insurance in Washington, D.C., is essential for those who often rent or borrow vehicles. It offers liability coverage in the event that you cause an accident while driving a car you rented or borrowed, helping protect you from costly out-of-pocket expenses. Additionally, it can act as supplementary coverage alongside the car owner’s existing insurance.
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, D.C.
Non-owner car insurance costs an average of $26 a month and $310 per year in Washington, D.C., 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, D.C.
According to CarInsurance.com’s analysis, Geico offers the lowest non-owner car insurance rates in Washington, D.C., with an average cost of $15 per month. Erie Insurance 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.
See the cheapest companies for non-owner car insurance in Washington, D.C., in the table below.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Geico | $181 | $15 |
| Erie Insurance | $239 | $20 |
| State Farm | $391 | $33 |
| Progressive | $690 | $58 |
| USAA* | $239 | $20 |
Non-owner car insurance in Washington, D.C., by age and gender
Non-owner car insurance costs in Washington, D.C., can vary by age and gender. When you add a male teen driver to your car insurance, your premiums could go up by $769 a month, while adding a 16-year-old female might increase your monthly cost by $669.
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 Washington, D.C.
The table below shows how non-owner car insurance rates vary by age and gender in Washington, D.C.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $676 | $580 |
| Young Adults (20-24) | $342 | $353 |
| Adults (25-60) | $311 | $267 |
| Seniors (65-75) | $318 | $280 |
Compare non-owner car insurance rates in neighboring states
When should you consider buying non-owner car insurance in Washington, D.C.?
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.
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 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.
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 Washington, D.C.
Non-owner car insurance in Washington, D.C., 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 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.
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. USAA also made it to the list, but it provides services only to current and former military members and their families.
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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