Car Insurance Non-owner car insurance in Washington: Which company has the cheapest rates? USAA and Geico offer the lowest non-owner insurance rates in the state. Written by: Leslie Kasperowicz Leslie Kasperowicz 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. and John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. | 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. | Updated on April 12, 2023 Why you should 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 editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. On average in the U.S., it costs drivers with clean driving records and good credit scores $1,682 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 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? 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 AgeMaleFemale16$1,019$94417$856$78718$713$66419$560$52820$501$47121$377$36122$353$34223$333$32124$317$31125$298$29430$283$28535$277$28540$270$28245$268$27650$266$26555$261$25960$267$25865$281$26870$295$28275$337$308 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 Cities in WashingtonLowest non-owner car insurance ratesLoomis$193Mazama$194Butte Valley$194Tonasket$194Riverside$195Wauconda$195Conconully$196Malott$196Pateros$196Winthrop$196Carlton$197Twisp$197Danville$198Omak$198Methow$199Republic$200Curlew$201Kettle Falls$201Nespelem$201Coulee Dam$202 The 20 Washington cities with the highest non-owner auto insurance rates Cities in WashingtonHighest non-owner car insurance ratesFederal Way$380Bryn Mawr-Skyway$379East Hill-Meridian$373Boulevard Park$373Coral Springs$371SEATAC$370Des Moines$369Kent$368Tacoma$364Elk Plain$363Algona$360Burien$358Gray Summit$358Renton$358Waller$358Clover Creek$357Covington$357Lakewood$356South Hill$356Seattle$352 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 10 largest cities in WashingtonNon-owner car ratesKent$368Tacoma$364Renton$358Seattle$352Everett$332Kirkland$327Vancouver$317Spokane$274Mazama$194Loomis$193 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 StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385Georgia$373National Average$353Pennsylvania$337California$323Ohio$230 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: Contact an auto 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 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. Leslie KasperowiczManaging 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. 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... What is Full Coverage Car Insurance? 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