Home Car insurance Non-owner car insurance Non-owner auto insurance in Virginia Non-owner auto insurance in Virginia: Which company has the cheapest rates? The average cost in Virginia for a non-owner car insurance policy is $297 a year, but companies such as Auto-Owners and USAA offer lower rates. View Carriers Please enter valid zip Compare top carriers in your area Written by Leslie Kasperowicz Leslie Kasperowicz 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. and John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. 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. Expert insight from Golnoush Goharzad Golnoush Goharzad Personal injury attorney, California.Go to comment Updated on: July 23, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Non-owner auto insurance in Virginia costs $297 per year, which is $56 lower than the national average, according to an Insure.com rate analysis. In Virginia, non-owner policies are available from companies such as Geico, State Farm and Erie Insurance. “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 Virginia. Key Takeaways The average non-owner car insurance cost in Virginia is $25 per month for a 40-year-old male with a good driving record. Car insurance rates vary by age. For instance, a 16-year-old male in Virginia pays an average of $1,230 for non-owner car insurance, whereas a 25-year-old male pays $357 a year for the same coverage. Auto-Owners offers most affordable rates for non-owner car insurance in Virginia at $122. How much does non-owner auto insurance cost in Virginia? Insurance companies view non-owner policyholders as less risky due to their limited access to a vehicle, and therefore, it’s usually less expensive to buy non-owner insurance than full coverage car insurance. On average in the United States, it costs a driver with a clean driving record and good credit score $1,895 per year 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. In Virginia, full coverage car insurance costs $1,227. Meanwhile, non-owner auto insurance is $353 a year on average in the U.S. and $297 in Virginia. But various factors affect individual rates, such as where in Virginia you live, your age and driving history and other factors. You might find interesting The best, cheapest car insurance in VirginiaCheapest car insurance in VirginiaVirginia car insurance calculatorCheapest SR-22 insurance in VirginiaBest and cheapest companies for home and auto bundles in Virginia Which insurer offers the cheapest non-owner insurance rates in Virginia? Auto-Owners offers Virginia’s least expensive non-owner insurance policy at $122 a year. At $688 a year, American Family charges the highest rate for non-owner insurance in the state. Experts recommend comparing quotes from many different insurance companies so that you can find the best rate available. The cheapest non-owner insurance policies in the state are listed below. Cheapest non-owner insurance rates in Virginia CompanyAverage annual premiumAuto-Owners$122USAA$141Geico$175State Farm$205Erie 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 plays an important role in pricing because young people who haven’t been driving for a long time are seen as higher risk and are more likely to cause an accident. So older and more experienced drivers usually have lower rates. On average, non-owner insurance costs $1,165 a year for a 16-year-old and $290 for a 45-year-old in Virginia. Average non-owner car insurance rates in Virginia by age and gender AgeMaleFemale16$1,230$1,09917$1,016$91118$866$77719$669$60220$587$53321$515$46922$470$43523$428$40124$397$37925$357$36330$325$32735$305$30940$297$29845$289$29150$286$28655$287$28760$291$29065$315$30770$342$33175$391$366 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.Car insurance rates in Virginia by cityChesapeakeNewport NewsNorfolkRichmondVirginia BeachWhich Virginia cities have the cheapest non-owner auto insurance? Rates differ from ZIP code to ZIP code. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates. 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 ratesBacova$242Hot Springs$242Millboro$242Mustoe$243Raphine$243Warm Springs$243Burnsville$244Mount Solon$244West Augusta$244Blue Grass$245Clifton Forge$245Deerfield$245Doe Hill$245Iron Gate$245Lexington$245Monterey$245Spottswood$245Buena Vista$246Augusta Springs$246Head Waters$246 The 20 Virginia cities with the highest non-owner car insurance rates Cities in VirginiaHighest non-owner car insurance ratesBailey’s Crossroads$397North Springfield$396Groveton$389Springfield$389Burke$387West Mclean$387Bristol$386Falls Church$386Fairfax$385Alexandria$384Annandale$384Fort Belvoir$383Huntington$383West Springfield$381Crosspointe$380Arlington$361Richmond$353Norfolk$349Hampton$349Newport News$341 How much is non-owner car insurance in Virginia’s 10 biggest cities? The most populous cities in Virginia have varying non-owner insurance rates. The cost of non-owner insurance in Alexandria is the highest at $384. Bacova has the cheapest prices of the state’s largest cities at $242. Non-owner auto rates in Virginia’s 10 largest cities 10 largest cities in VirginiaNon-owner car ratesAlexandria$384Arlington$361Richmond$353Norfolk$349Hampton$349Newport News$341Virginia Beach$332Chesapeake$331Roanoke$275Bacova$242 How non-owner insurance rates in Virginia compare to rates in other states Non-owner auto insurance rates also differ from state to state. The average non-owner insurance rate in Virginia is $297 a year, which is lower than the national average of $353. South Dakota is the least expensive at $170 annually, followed by Idaho at $190 per year and Iowa at $193 a year. Non-owner car insurance rates in the 10 most populous states StateAverage annual premiumCalifornia$323Florida$671Georgia$373Illinois$286Michigan$574New York$578North Carolina$989Ohio$198Pennsylvania$216Texas$408National Average$353 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 Virginia 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 insurance policy, you’ll need to call your insurer 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. Here are some 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.” Explore other insurance options in Virginia Average car insurance cost in Virginia Average renters insurance cost in Virginia Average homeowners insurance cost in Virginia How much is car insurance in other statesAlabama$364/YearAlaska$233/YearArizona$325/YearArkansas$232/YearCalifornia$323/YearColorado$287/YearConnecticut$422/YearDelaware$720/YearFlorida$671/YearGeorgia$373/YearHawaii$407/YearIdaho$190/YearIllinois$286/YearIndiana$263/YearIowa$193/YearKansas$255/YearKentucky$484/YearLouisiana$366/YearMaine$235/YearMaryland$285/YearMassachusetts$449/YearMichigan$574/YearMinnesota$257/YearMississippi$302/YearMissouri$315/YearMontana$230/YearNebraska$187/YearNevada$414/YearNew Hampshire$246/YearNew Jersey$993/YearNew Mexico$289/YearNew York$578/YearNorth Carolina$989/YearNorth Dakota$220/YearOhio$198/YearOklahoma$168/YearOregon$450/YearPennsylvania$216/YearRhode Island$476/YearSouth Carolina$435/YearSouth Dakota$170/YearTennessee$251/YearTexas$408/YearUtah$436/YearVermont$266/YearWashington$270/YearWest Virginia$293/YearWisconsin$248/YearWyoming$216/YearShow moreLeslie KasperowiczManaging Editor  . .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. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How much does non-owner auto insurance cost in Virginia?Which insurer offers the cheapest non-owner insurance rates in Virginia?How much is non-owner car insurance in Virginia by age?Which Virginia cities have the cheapest non-owner auto insurance?How much is non-owner car insurance in Virginia's 10 biggest cities?How non-owner insurance rates in Virginia compare to rates in other statesWhat does non-owner auto insurance cover?How to get non-owner car insurance in VirginiaMethodologyWhat our expert says ZIP Code Please enter valid ZIP See rates