Cheapest Non-Owner Car Insurance In Pennsylvania 2024

In Pennsylvania, Travelers offers the cheapest non-owner car insurance, with an average yearly cost of $296. This type of policy is perfect for drivers who don’t own a car but need liability coverage while driving rented or borrowed vehicles. It’s an affordable way to stay insured and meet legal requirements.

Does Pennsylvania Allow Non-Owner Car Insurance?

Non-owner car insurance is available in Pennsylvania for people who don’t own a car but drive rented or borrowed vehicles. These policies provide liability coverage, meeting the state’s requirements for bodily injury and property damage.

Cheapest Overall Non-Owner Car Insurance In Pennsylvania

Travelers provides the cheapest non-owner car insurance in Pennsylvania, with an average yearly cost of $296.

Cheapest Non-Owner Car Insurance With A Clean Driving Record

Travelers offers the most affordable non-owner car insurance in Pennsylvania for drivers with a clean record, averaging $296 annually.

Cheapest Non-Owner SR-22 Car Insurance In Pennsylvania

Travelers offers the most affordable non-owner SR-22 car insurance in Pennsylvania, with an average yearly cost of $364.

What Is Non-Owner Car Insurance

Non-owner car insurance offers liability protection for people who drive but don’t own a vehicle. It helps cover costs if the driver is responsible for an accident, including injuries or property damage to others. This insurance is ideal for those who rent cars, borrow vehicles, or rely on car-sharing services. However, it doesn’t cover damage to the vehicle being used or the driver’s own injuries.

Pennsylvania Minimum Auto Insurance Requirements

In Pennsylvania, drivers must have specific minimum auto insurance coverage to drive legally. This includes at least $15,000 for bodily injury per person, $30,000 for total bodily injury per accident, and $5,000 for property damage. Additionally, $5,000 in personal injury protection (PIP) is required for medical costs and lost wages, regardless of fault. Uninsured motorist coverage of $15,000 per person and $30,000 per accident is also mandatory.

What Is SR-22 Insurance?

An SR-22 isn’t a type of car insurance; it’s a certificate of financial responsibility required for high-risk drivers. It proves that the driver has the minimum liability insurance mandated by state law. Usually required after serious offenses like DUIs or reckless driving, the SR-22 is submitted by the insurer to the state’s motor vehicle department.

Although it isn’t insurance, having an SR-22 often leads to higher insurance premiums due to the increased risk. This requirement typically lasts for a set period, often three years.

Average Cost Of Non-Owner Car Insurance In Pennsylvania

Knowing the typical cost of non-owner car insurance in Pennsylvania is important for those who often rent or borrow vehicles. This insurance offers essential liability protection without the high cost of a full policy, making it a smart option for people who don’t own a car. Below is a breakdown of average annual and monthly premiums from various insurers to help guide your decision-making.

Average Cost Of Non-Owner Car Insurance In Pennsylvania – By Age

Age is a key factor in determining the cost of non-owner car insurance in Pennsylvania. Insurance companies use age as a measure of risk, and younger drivers typically pay higher premiums due to their perceived inexperience and increased likelihood of accidents.

On the other hand, older drivers often benefit from lower premiums because they are viewed as more experienced and less risky. For instance, a 20-year-old might pay around $365 per year, while a 50-year-old could pay about $261. Below is a table showing how non-owner car insurance rates change by age.

Average Cost Of Non-Owner Car Insurance In Pennsylvania Cities

The location of a driver plays a crucial role in determining the cost of non-owner car insurance in Pennsylvania. Insurance companies take into account factors like traffic congestion, crime rates, and regional laws when setting premiums. Urban areas such as Philadelphia generally have higher rates due to increased traffic and crime risks.

Meanwhile, smaller towns tend to offer more affordable rates. Below is a table showing the average non-owner car insurance premiums for five cities in Pennsylvania.

Average Rates Vs Traditional Car Insurance

It’s important to understand the difference between non-owner car insurance and traditional car insurance when making financial choices. Non-owner car insurance is for people who drive regularly but don’t own a car. It mainly covers liability, providing protection for bodily injuries and property damage caused to others, which makes it more affordable than traditional car insurance.

Traditional car insurance, however, includes coverage for damage to the car itself, such as comprehensive and collision coverage, leading to higher premiums. Below is a comparison of average rates for non-owner versus traditional car insurance from five companies.

Should You Get Non-Owner Car Insurance In Pennsylvania?

Non-owner car insurance is a smart choice for individuals who don’t own a vehicle but need liability coverage. Below are the types of people who should consider this type of coverage, along with their specific needs:

• Renters: If you rent cars frequently, non-owner car insurance can offer better coverage and savings compared to rental companies’ insurance. This policy provides consistent liability coverage, often more comprehensive and affordable in the long run.
• Car Borrowers: Those who occasionally borrow cars from friends or family can benefit from non-owner insurance. It ensures liability coverage in case you cause an accident while driving someone else’s car, without relying on the owner’s insurance.
• License Reinstatement: Non-owner insurance is often required for drivers reinstating their license after a suspension, such as following a DUI. Pairing it with an SR-22 form shows you’re meeting state requirements for financial responsibility.
• Infrequent Drivers: If you drive infrequently but still want to keep continuous insurance coverage to avoid future premium increases, non-owner car insurance is a great option. It helps prevent gaps that could signal a higher risk to insurers.
• Drivers Between Cars: If you’re in between owning vehicles, such as after selling your car or waiting for a new one, a non-owner policy offers interim liability coverage. It ensures you stay insured during the transition and maintain a positive insurance record.

Average Non-Owner Car Insurance Rates vs Other US States