Non-owner auto insurance in Virginia: Which company has the cheapest rates?

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Non-owner auto insurance in Virginia costs $297 per year, which is $56 lower than the national average, according to an Insure.com 2023 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.

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 $1,682 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.

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

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

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.

Which 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

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

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

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

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:

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 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.

Explore other insurance options in Virginia

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Average renters insurance cost in Virginia

Leslie Kasperowicz

Managing Editor

 

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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.