Non-owner car insurance in Pennsylvania: Which company has the cheapest rates?

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Non-owner auto insurance in Pennsylvania costs $216 a year, which is $137 lower than the rest of the nation on average, according to Insure.com’s rate analysis.

In Pennsylvania, non-owner policies are available from companies such as Travelers, USAA, and Geico.

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.

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

Non-owner insurance is usually cheaper than full coverage auto insurance—insurance companies view non-owner policyholders as less risky because they have limited access to a vehicle.

On average, in the United States, it costs a driver with a clean driving record and good credit score $1,895 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 any damages to property. Full coverage car insurance is $1,256 in Pennsylvania.

On the other hand, non-owner car insurance costs $353 a year on average in the U.S. and $216 in Pennsylvania.

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

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

Auto-Owners offers Pennsylvania’s least expensive non-owner insurance policy at $45 a year.

At $453 a year, Nationwide charges the highest rate for non-owner insurance in the state.

To find the best price, compare quotes from different insurance companies. Below is a list of the cheapest non-owner insurance available in the state.

Cheapest non-owner insurance rates in Pennsylvania

Note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Pennsylvania by age?

Age is an important factor when it comes to pricing. Statistically, young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. In Pennsylvania, a 45-year-old will pay an average of $215 annually for a non-owner insurance policy versus a 16-year-old driver who will pay an average of $576.

Average non-owner car insurance rates in Pennsylvania by age

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Which Pennsylvania cities have the cheapest non-owner auto insurance?

There’s a great deal of variation from city to city when it comes to rates. Insurers consider the number of thefts, collisions, and vandalism in an area when calculating rates.

Below are Pennsylvania’s cheapest and most expensive cities for non-owner car insurance.

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

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

How much is non-owner car insurance in Pennsylvania’s 10 biggest cities?

The largest cities in Pennsylvania have varying non-owner insurance rates. Non-owner insurance in Philadelphia is the most expensive at $417. Harrisburg has the lowest prices of the state’s largest cities at $209.

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

How non-owner insurance rates in Pennsylvania compare to rates in other states

Non-owner auto insurance rates also differ from state to state. Pennsylvania’s average non-owner insurance rate is $216 a year, which is lower than the national average of $353. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 annually and Iowa at $193 a year.

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

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 car insurance in Pennsylvania

Your driver’s license number and a credit or debit card are all you’ll 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

In many cases, you’ll get proof of insurance almost immediately.

You’ll have to call an insurance company for a non-owner auto insurance policy rather than go online for a quote.

“The most efficient way to go about finding the most affordable non-owner insurance is to work with an insurance broker, who is able to shop multiple insurance companies to find the best price,” says Lauren McKenzie, an insurance agent with A Plus Insurance.

Below are a few insurers with 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 2023 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.

What our expert says

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

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.”

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Leslie Kasperowicz

Managing Editor

 

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com.