insure logo

Why you can trust Insure.com

quality icon

Quality Verified

At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria.

It costs an average of $337 per year for non-owner car insurance in Pennsylvania, which is $43 lower than the average nationally, according to an Insure.com 2023 rate analysis.

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

“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 auto insurance cost in Pennsylvania?

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

In the U.S., it costs drivers with a clean driving record and good credit score an average of $1,682 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. The cost of full coverage car insurance costs $1,256 a year in Pennsylvania.

Alternatively, annual non-owner car insurance is $380 on average in the United States and $337 in Pennsylvania.

Rates are based on various factors, such as where in Pennsylvania you live, which insurer you purchase from as well as your age and driving history.

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

In Pennsylvania, Auto-Owners’ non-owner insurance policy is the cheapest at $45 on average.

At $1,185, Farmers Insurance charges the highest rate for non-owner insurance in the state.

You should compare quotes from multiple insurers to find the best price. The cheapest non-owner policies available in Pennsylvania are listed below.

Cheapest non-owner insurance rates in Pennsylvania

CompanyAverage annual premium
Auto-Owners$45
Erie Insurance$102
Travelers$137
USAA$180
Geico$226

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 plays an important role in pricing because young people who haven’t been driving for a long time are seen as riskier and as more likely to cause an accident. So, older and more experienced drivers usually enjoy less expensive rates. On average, non-owner insurance costs $1,442 a year for a 16-year-old and $332 for a 45-year-old in Pennsylvania.

Average non-owner car insurance rates in Pennsylvania by age 

AgeRate
16$1,442
17$1,088
18$1,025
19$699
20$678
21$507
22$443
23$432
24$424
25$377
30$345
35$339
40$337
45$332
50$325
55$317
60$319
65$323
70$336
75$356

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

Rates vary from ZIP code to ZIP code. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism in a given area.

The charts below show the cities in Pennsylvania that have the least and most expensive non-owner auto insurance rates.

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

Cities in PennsylvaniaLowest non-owner car insurance rates
Breezewood$176
Clearville$176
Harrisonville$176
West Milton$176
Buffalo Mills$177
Crystal Spring$177
Everett$177
Hopewell$177
Hustontown$177
Hyndman$177
Lewisburg$177
Mifflinburg$177
Mingoville$177
Needmore$177
New Columbia$177
Wells Tannery$177
White Deer$177
Artemas$178
Bedford$178
Beech Creek$178

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

Cities in PennsylvaniaHighest non-owner car insurance rates
Philadelphia$417
Sharon Hill$375
Darby$372
Upper Darby$356
Yeadon$352
Elkins Park$347
Cheltenham$343
Wyncote$340
Chester$329
Clifton Heights$326
Bryn Athyn$324
Huntingdon Valley$324
Bala Cynwyd$321
Feasterville$321
Glenolden$320
Folcroft$319
Bensalem$318
Croydon$313
Jenkintown$312
Norwood$310

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

The most populous cities in Pennsylvania sometimes have varying rates. The cost of non-owner insurance in Philadelphia is the most expensive at $417. Harrisburg has the cheapest rates among the state’s most populous cities at $209.

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

10 largest cities in Pennsylvania Non-owner car rates
Philadelphia$417
Levittown$298
Allentown$244
Bethlehem$235
Scranton$233
Pittsburgh$230
Reading$228
Erie$226
Lancaster$218
Harrisburg$209

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

The rates for non-owner car insurance differ between states. The average non-owner insurance rate in Pennsylvania is $337, which is lower than the national average of $380. South Dakota is the least expensive at $170 annually, followed by Idaho at $190 per year and Iowa at $193 a year.

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

StateAverage annual premium
North Carolina$926
Florida$759
New York$578
Michigan$574
Texas$408
Illinois$385
National Average$380
Georgia$373
Pennsylvania$337
California$323
Ohio$230

How to get non-owner car insurance in Pennsylvania

To get a non-owner policy, you’ll need your driver’s license number and a credit or debit card.

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.

For a non-owner car insurance policy quote, you must call your insurer instead of visiting their website.

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

Here are a few insurers with their phone 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.