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

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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

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 

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

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

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

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

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.