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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 premium
USAA$137
Geico$173
State Farm$227
Travelers$277
Nationwide$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

AgeMaleFemale
16$1,729$1,620
17$1,586$1,482
18$1,423$1,338
19$1,040$969
20$978$900
21$754$696
22$589$553
23$567$531
24$535$504
25$460$454
30$389$391
35$380$388
40$389$400
45$384$391
50$371$374
55$360$358
60$363$358
65$375$379
70$417$428
75$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 rates
Loomis$193
Mazama$194
Oroville$194
Tonasket$194
Riverside$195
Wauconda$195
Conconully$196
Okanogan$196
Pateros$196
Winthrop$196
Carlton$197
Twisp$197
Danville$198
Omak$198
Methow$199
Republic$200
Curlew$201
Kettle Falls$201
Nespelem$201
Coulee Dam$202

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

Cities in WashingtonHighest non-owner car insurance rates
Federal Way$380
Bryn Mawr-Skyway$379
East Hill-Meridian$373
Tukwila$373
Parkland$371
Seatac$370
Des Moines$369
Kent$368
White Center$366
Tacoma$364
Spanaway$363
Lakeland North$360
Burien$358
Pacific$358
Renton$358
Waller$358
Clover Creek$357
Covington$357
Lakewood$356
South 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 rates
Kent$368
Tacoma$364
Renton$358
Seattle$352
Bellevue$334
Everett$332
Kirkland$327
Vancouver$317
Spokane$274
Spokane 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 premium
North Carolina$926
Florida$759
New York$578
Michigan$574
Texas$408
Illinois$385
National Average$380
Georgia$373
Pennsylvania$337
California$323
Ohio$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:

  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 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.