Non-owner car insurance in Washington: Which company has the cheapest rates?

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On average in the U.S., it costs drivers with clean driving records and good credit scores $1,895 annually 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 Washington, full coverage car insurance costs $1,203.

Alternatively, non-owner car insurance costs $353 a year on average in the United States and $270 in Washington.

But actual rates are based on your age and driving history and also where in Washington you live.

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

In Washington, USAA’s non-owner insurance policy is the cheapest at $137 a year.

At $461 a year, Farmers charges the highest rate for non-owner insurance in the state.

The best way to find the lowest price is to compare quotes from several different insurers. We have listed Washington’s most affordable non-owner insurance policies below.

Cheapest non-owner insurance rates in Washington

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

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

Older drivers have more time behind the wheel than younger, inexperienced drivers and are less likely to be in an accident. Their rates are usually cheaper than those of younger drivers. On average, Washington non-owner insurance costs $272 a year for a 45-year-old, while it’s $982 for a 16-year-old driver.

Average non-owner car insurance rates in Washington by age and gender

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

There’s a great deal of variation from city to city when it comes to rates. Insurers set rates based on data points such as theft, collisions and vandalism in different U.S. cities.

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

The 20 Washington cities with the lowest non-owner car insurance rates

The 20 Washington cities with the highest non-owner auto insurance rates

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.

How much is non-owner car insurance in Washington’s 10 biggest cities?

The most populous cities in Washington have different non-owner insurance rates. The cost of non-owner insurance in Kent is the most expensive at $368, while Loomis has the least expensive rates of the largest cities in the state at $193.

Non-owner auto rates in Washington’s 10 largest cities

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

Non-owner auto insurance rates also differ from state to state. Washington’s average non-owner insurance rate is $270 a year, lower than the $353 national average. At $170 per year, South Dakota is the least expensive, followed by Idaho at an average of $190 a year. Iowa is the third most affordable at $193 annually.

Non-owner car insurance rates in the 10 most populous states

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 Washington

Getting a non-owner insurance policy is as simple as providing your driver’s license 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

Often, you’ll receive proof of insurance very quickly.

For a non-owner insurance policy, you’ll need to call your insurer rather than go online for a quote.

“The best way to find any insurance is to shop around and price match,” says Marlon Moss, a licensed agent at A Plus Insurance.

Here are a few insurers with their 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 Washington

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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.