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 Washington 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 $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 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 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.
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 Washington
CarInsurance.com’s analysis shows that Geico offers the most affordable non-owner car insurance rates in Washington, at $15 per month. Other insurers like State Farm and Travelers 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 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 vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $930 monthly, whereas if you add a 16-year-old female, you’ll pay $903 per month, based on CarInsurance.com’s analysis.
Young drivers, regardless of gender, generally face higher insurance premiums. Their lack of experience makes them more prone to accidents, raising the risk for insurers. As drivers get older and gain more driving experience, their insurance rates typically decrease in Washington.
The table below shows the cost of non-owner car insurance based on age and gender.
| 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 the average cost of non-owner auto insurance is $28 per month or $335 per year, and Spokane drivers pay $30 a month 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.
See the table below for the cost of non-owner car insurance in 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.
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.
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.
By having non-owner car insurance during these gaps, you are demonstrating responsible and continuous insurance coverage, which can help keep your rates low in the future.
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 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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