Car Insurance Non-owner car insurance in Washington: Which company has the cheapest rates? Residents pay an average of $389 for non-owner car insurance, but USAA and Geico offer lower rates. Written by: Leslie Kasperowicz | 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. | Posted on March 16, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Non-owner auto insurance in Washington costs $389 per year, which is $9 more than the national average, according to a 2023 rate analysis by Insure.com. Many companies offer these policies in Washington, such as State Farm, Travelers and Nationwide. 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 know what non-owner insurance is, which companies offer it and how much it costs in Washington. How much does non-owner auto insurance cost in Washington? Insurance companies regard non-owner policyholders as less of a risk due to their minimal access to a car. Therefore, it’s usually less expensive to buy a non-owner insurance policy than typical car insurance. On average in the United States, it costs drivers with good credit scores and clean driving records $1,682 annually for a 100/300/100 full coverage insurance policy. This includes $100,000 for injuries you might cause in an accident, up to $300,000 per accident, and an additional $100,000 for property damage. In Washington, it’s $1,203. Non-owner auto insurance is $389 a year in Washington and $380 on average in the U.S. by comparison. But there are various factors to consider when comparing rates, such as how old you are, your chosen insurance company and your driving history. Which insurer offers the cheapest non-owner insurance rates in Washington? In Washington, USAA’s non-owner insurance policy is the cheapest at $137 on average. At $461 a year, Farmers Insurance 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 Washington CompanyAverage annual premiumUSAA$137Geico$173State Farm$227Travelers$277Nationwide$286 Note that USAA only offers coverage to military members, veterans and their families. How much is non-owner car insurance in Washington by age? Age plays an important role in pricing because young people who haven’t been driving for a long time are riskier; they are more likely to cause an accident. Therefore, older and more experienced drivers usually enjoy cheaper rates. On average, non-owner insurance costs $1,675 a year for a 16-year-old and $388 for a 45-year-old in Washington. Average non-owner auto insurance rates in Washington by age and gender AgeMaleFemale16$1,729$1,62017$1,586$1,48218$1,423$1,33819$1,040$96920$978$90021$754$69622$589$55323$567$53124$535$50425$460$45430$389$39135$380$38840$389$40045$384$39150$371$37455$360$35860$363$35865$375$37970$417$42875$469$473 Which Washington cities have the cheapest non-owner auto insurance? There’s a great deal of variation from city to city regarding rates. Insurers set rates based on factors 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 Cities in WashingtonLowest non-owner car insurance ratesLoomis$193Mazama$194Oroville$194Tonasket$194Riverside$195Wauconda$195Conconully$196Okanogan$196Pateros$196Winthrop$196Carlton$197Twisp$197Danville$198Omak$198Methow$199Republic$200Curlew$201Kettle Falls$201Nespelem$201Coulee Dam$202 The 20 Washington cities with the highest non-owner car insurance rates Cities in WashingtonHighest non-owner car insurance ratesFederal Way$380Bryn Mawr-Skyway$379East Hill-Meridian$373Tukwila$373Parkland$371Seatac$370Des Moines$369Kent$368White Center$366Tacoma$364Spanaway$363Lakeland North$360Burien$358Pacific$358Renton$358Waller$358Clover Creek$357Covington$357Lakewood$356South Hill$356 How much is non-owner auto insurance in Washington’s 10 biggest cities? The biggest cities in Washington sometimes have significantly different non-owner insurance rates. The non-owner insurance rate in Kent is the highest at $368, whereas Spokane Valley has the least expensive rates among the largest cities in the state at $258. Non-owner auto rates in Washington’s 10 largest cities 10 largest cities in WashingtonNon-owner car ratesKent$368Tacoma$364Renton$358Seattle$352Bellevue$334Everett$332Kirkland$327Vancouver$317Spokane$274Spokane Valley$258 How non-owner insurance rates in Washington compare to rates in other states From state to state, the rates for non-owner car insurance can also vary. Washington’s average non-owner insurance rate is $389; more 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 auto insurance rates in the 10 most populous states StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385National Average$380Georgia$373Pennsylvania$337California$323Ohio$230 How to get non-owner car insurance in Washington 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: Contact a car 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 get an online 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 insurance companies with their 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. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... Full coverage auto insurance: What it costs to get covered A complete guide to car insurance for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... 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How non-owner insurance rates in Washington compare to rates in other states How to get non-owner car insurance in Washington Get instant quotes now ! Please enter valid zip Get quote