Non-owner car insurance in Pennsylvania: Best and cheapest companies

Cheapest non-owner car insurance companies in Pennsylvania

The cheapest non-owner car insurance in Pennsylvania is from Erie Insurance, with an average rate of $103. The second most affordable option in Pennsylvania is Westfield Insurance, with an average rate of $123.

The table below shows the most affordable non-owner car insurance companies in Pennsylvania.

Company	Average annual premium	Average monthly premium
Erie Insurance	$103	$9
Westfield Insurance	$123	$10
Travelers	$132	$11
State Farm	$220	$18
Geico	$256	$21
Nationwide	$517	$43
Progressive	$580	$48
USAA	$181	$15

Data updated in 2024

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Best non-owner car insurance in Pennsylvania

While Erie Insurance is the top choice, Travelers and State Farm are also great options for non-owner coverage.

To find the best non-owner car insurance companies in Pennsylvania, we looked at several factors, including how many complaints each company receives, financial stability and average rates. We used rate data from Quadrant Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).

The table below shows a comparison of the best non-owner car insurance companies in Pennsylvania.

Company	Average annual premium	J.D. Power	NAIC	AM Best	Overall score
Erie Insurance	$103	863	0.61	A+	3.75
Travelers	$132	822	0.49	A++	3.38
State Farm	$220	843	0.70	A++	3.17
Geico	$256	818	0.91	A++	2.90
Westfield Insurance	$123	833	1.08	A	2.83
Nationwide	$517	820	0.64	A+	2.37
Progressive	$580	814	0.65	A+	2.26

Data updated in 2024

Read our methodology

Insurance.com's top choices for non-owner car insurance

Take a closer look at our top picks for non-owner car insurance in Pennsylvania.

Erie Insurance

Erie Insurance is our top choice for non-owner car insurance in Pennsylvania. Its average annual non-owner car insurance cost is $103. Erie Insurance has an AM Best score of A+ and a low NAIC complaint ratio of 0.61.

Travelers

Travelers is another great option for non-owner car insurance in Pennsylvania, with average rates of $132 per year. It has an AM Best rating of A++ and a low NAIC complaint ratio of 0.49.

State Farm

Our third choice is State Farm, with an average rate of $220. It has an NAIC complaint ratio of 0.7 and an AM Best rating of A++.

Non-owner car insurance in Pennsylvania by age and gender

Your age and gender can impact your rates, whether you're shopping for non-owner or standard car insurance in Pennsylvania.

Age plays an important role in calculating car insurance rates. Younger drivers have less experience and are more likely to have accidents, so insurance companies charge higher rates to cover the risk.

Gender is another factor that affects car insurance rates in most states. Men are often considered higher-risk drivers and tend to have more accidents, resulting in higher premiums.

Here are the average Pennsylvania non-owner car insurance rates by age and gender.

Age group	Female	Male
Teens (16-19)	$502	$499
Young Adults (20-24)	$324	$323
Adults (25-60)	$264	$264
Seniors (65-75)	$276	$276

Data updated in 2024

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Average annual rates for non-owner vs. traditional car insurance

Non-owner car insurance costs less than standard car insurance because it provides minimal coverage. It only includes liability coverage, while standard auto insurance offers many additional types of coverage.

For example, non-owner car insurance in Pennsylvania doesn't cover damage to the car you're driving or your injuries. Standard car insurance may include collision and comprehensive coverage to help pay for car repairs.

Furthermore, because insurance companies anticipate that people who don't own a car will drive less frequently, and because non-owner car insurance is secondary to the owner's policy, the risk of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. is much lower.

The table below compares average annual rates for non-owner and owner car insurance.

Non-owners state minimum policy	Traditional state minimum policy	State minimum car insurance limits
$263	$375	15/30/5

Data updated in 2024

Read our methodology

Average cost of non-owner car insurance in Pennsylvania

The average cost of non-owner car insurance in Pennsylvania is $263, but rates may vary based on factors such as your driving record, age, and coverage level.

The bottom line: Non-owner car insurance in Pennsylvania

Drivers in Pennsylvania may need non-owner car insurance if they frequently rent or borrow a car. This coverage only includes liability protection, which pays for property damage or injuries you cause to others. It doesn't cover you or the car you're driving.

Non-owner car insurance in Pennsylvania costs an average of $263, with Erie Insurance offering the lowest rates. Our analysis found that Erie Insurance is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your insurance rates.

Shop around to find the best Pennsylvania non-owner car insurance available. Use the tool above to compare non-owner insurers in your area.

Expert's Insight "Consumers may think it's only important to maintain insurance when they own a vehicle, without realizing that gaps in insurance coverage might disqualify them from the benefit of certain discounts. Some individuals will cancel their auto policy when they're between vehicles or simply don't have regular access to a vehicle. Demonstrating a history of continuous insurance coverage can not only help you qualify for future discounts but can also provide you protection and peace of mind in the event you are involved in an accident while driving, or even riding in, someone else's car. A non-owner policy is an inexpensive way to accomplish both," says Rick Kautzer, director of product management at Dairyland Insurance.

Methodology

Insurance.com analyzed non-owner car insurance companies in 2024 to find the cheapest and the best overall based on rates and third-party ratings.

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on a 40-year-old driver with a clean record and good credit for a state minimum liability policy. These rates were one of the factors used to rank the best companies.

For additional data points in the ranking, customer complaints ratios were pulled from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume. Overall customer satisfaction ratings were drawn from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000. Finally, AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.