Car Insurance Non-owner car insurance in Pennsylvania: Which company has the cheapest rates? Auto-Owners and Erie Insurance offer the lowest non-owner insurance rates in the state. Written by: Leslie Kasperowicz | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Posted on March 15, 2023 Why you can trust Insure.com 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 premiumAuto-Owners$45Erie Insurance$102Travelers$137USAA$180Geico$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 AgeRate16$1,44217$1,08818$1,02519$69920$67821$50722$44323$43224$42425$37730$34535$33940$33745$33250$32555$31760$31965$32370$33675$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 ratesBreezewood$176Clearville$176Harrisonville$176West Milton$176Buffalo Mills$177Crystal Spring$177Everett$177Hopewell$177Hustontown$177Hyndman$177Lewisburg$177Mifflinburg$177Mingoville$177Needmore$177New Columbia$177Wells Tannery$177White Deer$177Artemas$178Bedford$178Beech Creek$178 The 20 Pennsylvania cities with the highest non-owner car insurance rates Cities in PennsylvaniaHighest non-owner car insurance ratesPhiladelphia$417Sharon Hill$375Darby$372Upper Darby$356Yeadon$352Elkins Park$347Cheltenham$343Wyncote$340Chester$329Clifton Heights$326Bryn Athyn$324Huntingdon Valley$324Bala Cynwyd$321Feasterville$321Glenolden$320Folcroft$319Bensalem$318Croydon$313Jenkintown$312Norwood$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 ratesPhiladelphia$417Levittown$298Allentown$244Bethlehem$235Scranton$233Pittsburgh$230Reading$228Erie$226Lancaster$218Harrisburg$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 premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385National Average$380Georgia$373Pennsylvania$337California$323Ohio$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: Contact an auto insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs 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. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... Full coverage auto insurance: What it costs to get covered A complete guide to car insurance for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to Car Insurance Discounts Proper insurance coverage for college-bound children How to read (and actually understand!) your auto insurance policy Car Insurance Companies New driver insurance grace period: What you need to know How much do insurance agents make Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Table of contents How much does non-owner auto insurance cost in Pennsylvania? Which insurer offers the cheapest non-owner insurance rates in Pennsylvania? How much is non-owner car insurance in Pennsylvania by age? Which Pennsylvania cities have the cheapest non-owner auto insurance? How much is non-owner car insurance in Pennsylvania's 10 biggest cities? How non-owner insurance rates in Pennsylvania compare to rates in other states How to get non-owner car insurance in Pennsylvania Get instant quotes now ! Please enter valid zip Get quote