Cheapest Non-Owner Car Insurance In Virginia 2024

In Virginia, Auto-Owners stands out for offering the cheapest non-owner car insurance, with an annual average rate of $270.

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Updated: 10 December 2024
Written by Bob Phillips
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For non-owner car insurance in Virginia, Auto-Owners’ $270 annual average rate makes it the most budget-friendly choice. It’s tailored for drivers borrowing or renting vehicles.

This type of insurance offers an affordable option for individuals looking to meet state requirements or keep continuous coverage even if they don’t own a vehicle.

Does Virginia Allow Non-Owner Car Insurance?

Virginia allows drivers without cars to obtain non-owner insurance, which provides liability coverage to meet state requirements for property damage and bodily injury.

Cheapest Overall Non-Owner Car Insurance In Virginia

Auto-Owners provides the best-priced non-owner car insurance in Virginia, with an average cost of $270 per year.

Company Cheapest Annual Rate Cheapest Monthly Rate
Auto-Owners $270 $23
Kemper $718 $60
GEICO $409 $34
Progressive $718 $60
State Farm $378 $32

Cheapest Non-Owner Car Insurance With A Clean Driving Record

For Virginia drivers with clean records, the cheapest non-owner car insurance comes from Auto-Owners, with an average yearly premium of $270.

Company Annual Rate Monthly Rate
Auto-Owners $270 $23
Kemper $718 $60
GEICO $409 $34
Progressive $718 $60
State Farm $378 $32

Cheapest Non-Owner SR-22 Car Insurance In Virginia

For non-owner SR-22 coverage in Virginia, Auto-Owners provides the best deal, with an average yearly cost of $358.

Company Annual Rate Monthly Rate
GEICO $634 $53
Auto-Owners $358 $30
Progressive $926 $77
GEICO $618 $52
Travelers $598 $50

What Is Non-Owner Car Insurance?

Non-owner car insurance provides liability protection for drivers who don’t have a car of their own. It covers injuries and property damage caused to others in accidents.

It’s a good fit for people who frequently rent or borrow vehicles, though it doesn’t include personal injuries or the car itself.

Feature Non-Owner Car Insurance Full Coverage Policy
Purpose Liability protection for non-vehicle owners Comprehensive protection for vehicle owners
Covers Bodily injury and property damage to others Liability, collision, and comprehensive coverage
Excludes Damage to the vehicle driven, personal injuries Typically covers damage to your own vehicle and self
Cost Lower premiums Higher premiums due to extensive coverage
Ideal For Drivers without a personal vehicle Vehicle owners seeking comprehensive protection
Flexibility Generally not customizable Customizable options for broader protection

Virginia Minimum Auto Insurance Requirements

Virginia requires drivers to have minimum liability insurance that includes $30,000 for bodily injury per person, $60,000 for injuries per accident, and $20,000 for property damage.

Additionally, uninsured motorist coverage of $30,000 per person and $60,000 per accident is also required.

What Is SR-22 Insurance?

The SR-22 is a certificate of financial responsibility, not car insurance, required for high-risk drivers. It proves the driver has the minimum liability coverage required by the state. After serious offenses like DUIs or reckless driving, an SR-22 is usually required and filed with the state by the insurance provider.

While the SR-22 itself isn’t insurance, it often leads to higher premiums due to the perceived increased risk. The SR-22 requirement typically lasts for about three years.

Average Cost Of Non-Owner Car Insurance In Virginia

If you frequently borrow or rent vehicles in Virginia, knowing the average cost of non-owner car insurance is key. This type of insurance offers liability coverage at a fraction of the cost of a full policy, making it an affordable option for non-owners.

Below, you’ll find a comparison of the average annual and monthly premiums from various auto insurance companies to help guide your decision.

Provider Annual Rate Monthly Rate
GEICO $513 $43
Travelers $652 $55
Progressive $750 $63
Nationwide $598 $50
State Farm $781 $65

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

Age plays a major role in determining the cost of non-owner car insurance in Virginia. Younger drivers tend to pay higher premiums because they are seen as higher risk due to their lack of experience.

On the other hand, older drivers often pay lower premiums since they are viewed as more experienced and less likely to be involved in accidents. For example, a 20-year-old might pay around $486 per year, while a 50-year-old could pay closer to $284.

Below is a table comparing the rates by age.

Age Annual Rate
16 $639
17 $557
18 $492
19 $537
20 $486
21 $376
22 $375
23 $355
24 $357
25 $315
30 $299
35 $295
40 $291
45 $290
50 $284
55 $279
60 $285
65 $298
70 $325
75 $352

Average Cost Of Non Owner Car Insurance In Virginia Cities

Your location in Virginia can impact how much you pay for non-owner car insurance. Insurance companies consider a variety of factors, including traffic patterns, crime levels, and local laws, when setting premiums.

Urban areas like Portsmouth tend to have higher rates due to the risks of heavy traffic and crime. In contrast, smaller towns often offer more affordable rates.

Below is a table comparing the average non-owner car insurance rates in five Virginia cities.

City  Annual Rate
Richmond $322
Suffolk $319
Roanoke $291
Portsmouth $364
Chesapeake $352

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Average Rates Vs Traditional Car Insurance

Knowing the differences between non-owner and traditional car insurance is important for making informed financial choices. Non-owner car insurance is intended for people who drive but don’t own a car.

It provides liability protection for bodily injuries and property damage to others, which is usually more affordable than traditional car insurance. Traditional car insurance, however, includes protection for the vehicle itself, like comprehensive and collision coverage, leading to higher premiums.

Below is a comparison of rates from five companies for both types of coverage.

Company Non-Owner Annual Rate Traditional Annual Rate
Progressive $500 $1,200
USAA $530 $1,350
State Farm $550 $1,400
Geico $570 $1,450
Allstate $600 $1,500

Should You Get Non-Owner Car Insurance In Virginia?

Non-owner car insurance is an ideal option for those who don’t own a car but still require liability protection. Here’s who should consider it:

  • Renters: Those who rent cars often can benefit from non-owner car insurance, which tends to be more affordable and provides better coverage than rental company insurance.
  • Car Borrowers: If you occasionally borrow a vehicle, non-owner car insurance ensures you’re covered for liability in case you cause an accident while driving someone else’s car.
  • License Reinstatement: Non-owner car insurance is often required if you’re reinstating your license after a suspension or revocation, such as due to a DUI. It demonstrates financial responsibility when paired with an SR-22.
  • Infrequent Drivers: Non-owner car insurance is perfect for those who don’t drive regularly but want to maintain continuous coverage to avoid future rate increases.
  • Drivers Between Cars: Non-owner insurance helps provide liability coverage when you’re between cars, ensuring you remain covered during a transition.

How To Get Non-Owner Car Insurance In Virginia

Getting non-owner car insurance in Virginia is a simple process. Follow these easy steps to find the right policy for your situation.

Assess Your Needs

Understand why you require non-owner car insurance—whether it’s for meeting state laws, reinstating a license, or ensuring coverage when renting or borrowing cars.

1

Gather Your Information

Prepare personal information such as your driver’s license number, driving history, and any necessary documentation like an SR-22 if required.

2

Compare Insurance Providers

Search for insurers offering non-owner car insurance in Virginia. Evaluate rates, coverage options, and customer feedback to narrow your choices.

3

Get Price Estimates

Request quotes from multiple insurers. Be transparent about your driving habits and insurance needs for the most accurate estimates.

4

Pick the Right Policy

Choose the policy that aligns with your needs and budget, making sure it meets Virginia’s minimum coverage requirements and includes any extra features you want.

5

Apply for Insurance

Submit your application online, by phone, or in person. Make sure to provide all the necessary details.

6

Review the Policy

Before purchasing, carefully read through the terms and conditions, making sure you understand coverage limits and exclusions.

7

Pay the Premium

Pay your premium to activate your policy. You can often choose between monthly or annual payment options.

8

Maintain Coverage

Ensure your policy stays active by paying on time and confirming that any required SR-22 filings are submitted to the state.

9

Average Non-Owner Car Insurance Rates vs Other US States

State Annual Rate
Alabama $450
Alaska $480
Arizona $500
Arkansas $460
California $600
Colorado $520
Connecticut $550
Florida $650
Georgia $500
Illinois $470
Indiana $440
Kentucky $480
Louisiana $630
Michigan $680
New Mexico $490
North Carolina $430
Ohio $420
Pennsylvania $540
Texas $530
Washington $510

Our Methodology

Our process for evaluating car insurance companies involves a comprehensive review of several factors. We compare premiums based on different profiles and coverage levels to determine affordability. Customer satisfaction is assessed using feedback from surveys and trusted review sites. We also look at financial stability using ratings from reliable agencies. We review coverage options, flexibility, and additional benefits to ensure well-rounded recommendations. Finally, we include insights from other reputable insurance review platforms to support our findings.

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FAQs

Does Virginia require non-owner insurance?

Virginia does not mandate non-owner car insurance, but drivers who need liability coverage and don’t own a vehicle—such as people reinstating their license or borrowing cars—can choose this type of insurance.

How do you insure a car you don’t own?

A non-owner car insurance policy provides liability coverage for vehicles you don’t own, such as rented or borrowed cars, and it can help fulfill any state-required insurance obligations.

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