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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 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.

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 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 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

AgeMaleFemale
16$1,230$1,099
17$1,016$911
18$866$777
19$669$602
20$587$533
21$515$469
22$470$435
23$428$401
24$397$379
25$357$363
30$325$327
35$305$309
40$297$298
45$289$291
50$286$286
55$287$287
60$291$290
65$315$307
70$342$331
75$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 city

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

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
Augusta Springs$246
Head Waters$246

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

Cities in VirginiaHighest non-owner car insurance rates
Bailey’s Crossroads$397
North Springfield$396
Groveton$389
Springfield$389
Burke$387
West Mclean$387
Bristol$386
Falls Church$386
Fairfax$385
Alexandria$384
Annandale$384
Fort Belvoir$383
Huntington$383
West Springfield$381
Crosspointe$380
Arlington$361
Richmond$353
Norfolk$349
Hampton$349
Newport 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 rates
Alexandria$384
Arlington$361
Richmond$353
Norfolk$349
Hampton$349
Newport News$341
Virginia Beach$332
Chesapeake$331
Roanoke$275
Bacova$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 premium
California$323
Florida$671
Georgia$373
Illinois$286
Michigan$574
New York$578
North Carolina$989
Ohio$198
Pennsylvania$216
Texas$408
National 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:

  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.

expert

What our expert says

Q: Does a non-owner policy cover damage to your car?

expert-image
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.”

How much is car insurance in other states

Alabama$364/Year
Alaska$233/Year
Arizona$325/Year
Arkansas$232/Year
California$323/Year
Colorado$287/Year
Connecticut$422/Year
Delaware$720/Year
Florida$671/Year
Georgia$373/Year
Hawaii$407/Year
Idaho$190/Year
Illinois$286/Year
Indiana$263/Year
Iowa$193/Year
Kansas$255/Year
Kentucky$484/Year
Louisiana$366/Year
Maine$235/Year
Maryland$285/Year
Massachusetts$449/Year
Michigan$574/Year
Minnesota$257/Year
Mississippi$302/Year
Missouri$315/Year
Montana$230/Year
Nebraska$187/Year
Nevada$414/Year
New Hampshire$246/Year
New Jersey$993/Year
New Mexico$289/Year
New York$578/Year
North Dakota$220/Year
Ohio$198/Year
Oklahoma$168/Year
Oregon$450/Year
Pennsylvania$216/Year
Rhode Island$476/Year
South Dakota$170/Year
Tennessee$251/Year
Texas$408/Year
Utah$436/Year
Vermont$266/Year
Washington$270/Year
West Virginia$293/Year
Wisconsin$248/Year
Wyoming$216/Year
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Leslie Kasperowicz
Managing 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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