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Non-owner auto insurance in Pennsylvania costs $352 per year, which is $55 less than the rest of the country on average, according to a rate analysis by Insure.com.

In Pennsylvania, non-owner policies are available from companies such as Westfield Insurance, Erie Insurance and Travelers.

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Pennsylvania.

Key Takeaways

  • The average non-owner car insurance cost in Pennsylvania is $29 per month for a 40-year-old male with a good driving record.
  • Car insurance rates vary by age. For instance, a 16-year-old male in Pennsylvania pays an average of $910 for non-owner car insurance, whereas a 25-year-old male pays $385 a year for the same coverage.
  • Westfield Insurance offers most affordable rates for non-owner car insurance in Pennsylvania at $105.

How much does non-owner auto insurance cost in Pennsylvania?

Non-owner insurance is usually less expensive than full coverage auto insurance-insurers view non-owner policyholders as less of a risk because they have minimal access to a vehicle.

On average in the U.S., it costs a driver with a clean driving record and good credit score $2,513 annually for a 100/300/100 full coverage insurance policy-$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. Full coverage car insurance is $2,428 in Pennsylvania.

Alternatively, non-owner car insurance is $407 a year on average in the United States and $352 in Pennsylvania.

But actual rates are based on your age and driving history and also where in state you live.

Which insurer offers the cheapest non-owner insurance rates in Pennsylvania?

Westfield Insurance offers Pennsylvania’s least expensive non-owner insurance policy at $105 a year.

At $827 a year, the Nationwide charges the highest rate for non-owner insurance in the state.

Experts recommend comparing quotes from many different insurance companies so that you can find the best rate available. The cheapest non-owner insurance policies in the state are listed below.

Cheapest non-owner insurance rates in Pennsylvania

CompanyAverage annual premium
Westfield Insurance$105
Erie Insurance$130
Travelers$161
State Farm$243
GEICO$542
Progressive$646
Nationwide$827
USAA*$181
*USAA is only available to military community members and their families.
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How much is non-owner car insurance in Pennsylvania by age?

Age plays an important role in pricing because young people who haven’t been driving for a long time are seen as higher risk and are more likely to cause an accident. So older and more experienced drivers usually enjoy lower rates. On average, non-owner insurance costs $910 a year for a 16-year-old and $352 for a 45-year-old in Pennsylvania.

Average non-owner auto insurance rates in Pennsylvania by age and gender

AgeRates for male driversRates for female drivers
16$910$910
17$727$727
18$646$646
19$532$532
20$498$498
21$460$460
22$440$440
23$417$417
24$402$402
25$385$385
30$360$360
35$357$357
40$352$352
45$352$352
50$348$348
55$346$346
60$348$348
65$351$351
70$368$368
75$394$394
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Which Pennsylvania cities have the cheapest non-owner car insurance?

Rates differ from city to city. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates.

Below are the cheapest and most expensive cities for non-owner car insurance in Pennsylvania.

The 20 Pennsylvania cities with the lowest non-owner auto insurance rates

CityNon-owner car insurance rates
Sandy Ridge$255
Blanchard$257
Vicksburg$265
Hawthorn$266
Turkey City$270
Curllsville$275
Oak Ridge$278
Wells Tannery$282
Breezewood$283
Clearville$283
Crystal Spring$283
Gipsy$283
Hopewell$284
Galeton$284
Everett$284
Westfield$284
Waterfall$284
Harrison Valley$285
Gaines$285
Knoxville$285
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The 20 Pennsylvania cities with the highest non-owner car insurance rates

CityNon-owner car insurance rates
Upper Darby$662
Yeadon$657
Darby$642
Sharon Hill$641
Elkins Park$611
Cheltenham$606
Wyncote$593
Huntingdon Valley$572
Bryn Athyn$571
Feasterville$566
Jenkintown$560
Clifton Heights$556
Bala Cynwyd$550
Folcroft$545
Bensalem$545
Drexel Hill$544
Glenolden$540
Merion Station$534
Croydon$533
Essington$533
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How much is non-owner car insurance in Pennsylvania’s 10 biggest cities?

The most populous cities in Pennsylvania have varying non-owner insurance rates. The cost of non-owner insurance in Philadelphia is the most expensive at $517; Harrisburg has the cheapest rates of the largest cities in the state at $361.

Non-owner auto rates in Pennsylvania’s 10 largest cities

10 largest citiesNon-owner car insurance rates
Harrisburg$361
York$364
Lancaster$384
Scranton$384
Erie$388
Pittsburgh$397
Bethlehem$399
Reading$404
Allentown$430
Philadelphia$517
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How non-owner insurance rates in Pennsylvania compare to rates in other states

Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Pennsylvania is $352 a year, which is lower than the national average of $407.

Non-owner auto insurance rates in the 10 most populous states

StateAverage annual premium
California$394
Florida$925
Georgia$407
Illinois$395
Michigan$462
North Carolina$581
New York$661
Ohio$245
Pennsylvania$352
Texas$418
National Average$407
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What does non-owner auto insurance cover?

Non-owner auto insurance provides coverage when you are driving a vehicle you don’t own. “If someone with non-owner auto insurance is involved in an accident while driving a rental car or a friend’s car, the policy typically covers liability for damages and injuries to others,” says Golnoush Goharzad, a personal injury attorney in California.

An important caveat is these policies don’t cover damage to the car you are driving. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency,” Goharzad says.

Goharzad adds that non-owner auto insurance policies may provide extra coverage. “Non-owner policies may also provide supplementary liability over and above what the car owner’s policy covers, filling in gaps if the primary policy’s limits are exhausted.”

How to get non-owner auto insurance in Pennsylvania

Your driver’s license number and a credit or debit card are all you need to get a non-owner insurance policy.

To purchase a policy, follow these steps:

  1. Contact an auto insurance agent about the coverage
  2. Supply your basic driving history
  3. Review the information you receive on the insurers and rates
  4. Choose the policy that best meets your needs
  5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly. Here are a few car insurance companies with their contact numbers to call for a non-owner insurance quote.

  • State Farm: 800-782-8332
  • GEICO: 800-207-7847
  • Progressive: 888-671-4405
  • Allstate: 800-726-6033
  • USAA: 800-531-8722

Methodology

Insure.com in 2025 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.

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What our expert says

Q: Does a non-owner policy cover damage to your car?

expert-image
Golnoush GoharzadPersonal injury attorney, California.
These policies don’t cover damage to the car you are driving, Goharzad says. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency.”

Frequently asked questions

Who needs non-owner car insurance in Pennsylvania?

Non-owner car insurance is ideal for individuals who frequently rent cars or borrow others’ vehicles but do not own a car themselves. It’s also necessary for those who need to maintain continuous insurance coverage to avoid lapses.

Is non-owner car insurance available to everyone?

Non-owner car insurance is generally available if you do not own a vehicle, do not have regular access to a vehicle, and have a valid driver’s license. It is not available if you can be covered as a driver under another household member’s policy.

Can I get non-owner car insurance if I live with someone who owns a car?

If you live with someone who owns a car, you are generally expected to be listed on their car insurance policy. However, if you are not listed, non-owner car insurance could provide you with liability coverage when driving other vehicles.

What is the difference between non-owner and standard car insurance?

Non-owner car insurance only covers liability for bodily injury and property damage inflicted on others, not damages to the vehicle you are driving or injuries to yourself, which are typically covered under standard auto insurance policies.

How much is car insurance in other states

Alabama$389/Year
Alaska$168/Year
Arizona$477/Year
Arkansas$337/Year
California$394/Year
Colorado$345/Year
Connecticut$991/Year
Delaware$762/Year
Florida$925/Year
Georgia$407/Year
Hawaii$333/Year
Idaho$209/Year
Illinois$395/Year
Indiana$286/Year
Iowa$171/Year
Kansas$340/Year
Kentucky$399/Year
Louisiana$419/Year
Maine$201/Year
Maryland$471/Year
Massachusetts$499/Year
Michigan$462/Year
Minnesota$278/Year
Mississippi$339/Year
Missouri$440/Year
Montana$326/Year
Nebraska$277/Year
Nevada$569/Year
New Hampshire$379/Year
New Jersey$708/Year
New Mexico$334/Year
New York$661/Year
North Dakota$200/Year
Ohio$245/Year
Oklahoma$291/Year
Oregon$676/Year
Rhode Island$451/Year
South Dakota$201/Year
Tennessee$386/Year
Texas$418/Year
Utah$603/Year
Vermont$317/Year
Virginia$378/Year
Washington$403/Year
West Virginia$229/Year
Wisconsin$290/Year
Wyoming$215/Year
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Leslie Kasperowicz
Managing Editor

 
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Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

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