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Non-owner car insurance in Virginia is $336 annually, which is $44 lower than the national average, according to a 2023 rate analysis by Insure.com.

Many companies offer these policies in Virginia, such as Geico, State Farm and Erie Insurance.

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.

In addition to understanding the various requirements, it’s important to learn what non-owner insurance is, which companies offer it and how much it costs in Virginia.

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

Insurance companies regard non-owner policyholders as less risky due to their minimal access to a vehicle, and therefore, it’s usually cheaper to buy non-owner insurance than typical car insurance.

On average in the U.S., it costs drivers with a clean driving record plus a good credit score $1,682 per year for a 100/300/100 full coverage insurance policy. This includes $100,000 for injuries you may cause in an accident, up to $300,000 per accident, and an additional $100,000 for any damages to property. In Virginia, it’s $1,227.

Non-owner car insurance costs $336 a year in Virginia and $380 on average in the U.S. by comparison.

But there are various factors to consider when comparing rates, such as which insurer you buy from, your age and driving history and also where in Virginia you live.

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

With an average annual cost of $122, Auto-Owners’ non-owner insurance policy is Virginia’s most affordable.

At $769, Farmers Insurance charges the highest rate for non-owner insurance in the state.

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

Cheapest non-owner insurance rates in Virginia

CompanyAverage annual premium
Auto-Owners$122
USAA$141
Geico$175
State Farm$205
Erie Insurance$219

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

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

Age is also important when it comes to pricing. 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. Virginia non-owner insurance costs, on average, $1,383 a year for a 16-year-old, whereas it’s $328 for a 45-year-old driver.

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

AgeMaleFemale
16$1,451$1,314
17$1,226$1,114
18$1,070$974
19$790$715
20$711$646
21$607$552
22$539$497
23$498$464
24$466$440
25$412$416
30$364$366
35$345$349
40$336$337
45$327$329
50$321$322
55$319$319
60$322$321
65$344$343
70$372$368
75$421$408

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

From city to city, there’s a lot of variation in rates. Insurers base rates on variables like how common theft, collisions and vandalism are in different cities in the United States.

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

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

Cities in VirginiaLowest non-owner car insurance rates
Bacova$242
Hot Springs$242
Millboro$242
Mustoe$243
Raphine$243
Warm Springs$243
Burnsville$244
Mount Solon$244
West Augusta$244
Blue Grass$245
Clifton Forge$245
Deerfield$245
Doe Hill$245
Iron Gate$245
Lexington$245
Monterey$245
Spottswood$245
Buena Vista$246
Craigsville$246
Head Waters$246

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

Cities in VirginiaHighest non-owner car insurance rates
Lincolnia$398
Bailey’s Crossroads$397
North Springfield$396
Annandale$395
Fort Hunt$390
Groveton$389
Kings Park West$389
Springfield$389
Burke$387
West McLean$387
Alexandria$386
Seven Corners$386
Lorton$385
Merrifield$385
Kingstowne$384
West Falls Church$384
Fort Belvoir$383
Huntington$383
West Springfield$381
Fairfax Station$380

How much is non-owner auto insurance in Virginia’s 10 biggest cities?

The biggest cities in Virginia sometimes have significantly different non-owner insurance rates. The non-owner insurance cost in Alexandria is the most expensive at $386. Roanoke has the cheapest rates among the state’s most populous cities at $275.

Non-owner car rates in Virginia’s 10 largest cities

10 largest cities in VirginiaNon-owner car rates
Alexandria$386
Arlington$361
Richmond$353
Norfolk$349
Hampton$349
Portsmouth$342
Newport News$341
Virginia Beach$332
Chesapeake$331
Roanoke$275

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

From state to state, the rates for non-owner auto insurance can also differ. Virginia’s average non-owner insurance rate is $336; lower than the $380 average nationally. At $170 per year, South Dakota is the cheapest, followed by Idaho at an average of $190 per year. After that is Iowa at $193 annually.

Non-owner car 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 auto insurance in Virginia

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

To purchase a policy, follow these steps:

  1. Contact a car 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 auto insurance policy, you’ll have to call an insurance company rather than go online for a quote.

“You must pick up the phone to request a non-owner insurance quote. Although the majority of the major auto insurance providers provide non-owner policies, none of them provide online non-owner insurance estimates,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

Here are some insurers with 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.