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

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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

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

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

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

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

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

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.