- Cheapest non-owner car insurance companies in Pennsylvania
- Best non-owner car insurance in Pennsylvania
- Insurance.com's top choices for non-owner car insurance
- Average cost of non-owner car insurance in Pennsylvania
- Non-owner car insurance in Pennsylvania by age and gender
- Non-owner vs. traditional car insurance
- What does Pennsylvania non-owner car insurance cover?
- The bottom line: Non-owner car insurance in Pennsylvania
- Methodology
- Compare Pennsylvania non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in Pennsylvania
Erie Insurance offers the lowest non-owner car insurance rates in Pennsylvania, with an average cost of $103. The next most affordable option is Westfield Insurance, which has an average rate of $123.
The table below lists the most budget-friendly 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 |
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 |
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
Our number one pick for non-owner car insurance in Pennsylvania is Erie Insurance. The average rate for liability coverage is $103. Erie Insurance has an AM Best score of A+ and an 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++.
PEOPLE ASK:
Do I need Pennsylvania non-owner car insurance to drive a friend's car?
Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.
Average cost of non-owner car insurance in Pennsylvania
The average cost of non-owner car insurance in Pennsylvania is $263, but your rate may differ depending on your driving record, age and the coverage you choose.
Non-owner car insurance in Pennsylvania by age and gender
Whether you're looking for non-owner or standard car insurance, age and gender affect your rates in Pennsylvania.
Age is one of the most important factors that impacts car insurance rates. Younger drivers lack experience and are more likely to be in accidents. That means car insurance companies charge higher rates to offset claims.
Gender also plays a part in determining car insurance rates in most states. Males tend to be riskier drivers and have more injuries, leading to higher premiums.
Below are the average Pennsylvania rates for non-owner car insurance based on 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 |
Non-owner vs. traditional car insurance
Non-owner car insurance is typically cheaper than standard car insurance since coverage is minimal. Non-owner car insurance only includes liability coverage, while owner car insurance can include a lot more coverage.
For example, non-owner car insurance in Pennsylvania doesn't pay for damages to the car you're driving or any injuries you sustain. Owner car insurance can include collision and comprehensive coverage to pay for vehicle damages.
Insurance companies assume that people without a car drive less often, and because non-owner car insurance works as a backup 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 shows a comparison of average yearly rates for non-owner and standard car insurance.
| Non-owners state minimum policy | $263 |
| Traditional state minimum policy | $375 |
| State minimum car insurance limits | 15/30/5 |
What does Pennsylvania non-owner car insurance cover?
A Pennsylvania non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Pennsylvania, but it won't cover any damage to the vehicle you're driving.
Non-owner car insurance is considered secondary coverage, meaning it only kicks in after the car owner's policy limits are exceeded.
The bottom line: Non-owner car insurance in Pennsylvania
Drivers in Pennsylvania might need non-owner car insurance for different situations, like renting or borrowing a vehicle. However, this coverage typically only includes liability protection to cover property damage or injuries you cause to others. It does not cover you personally or any damage to the car you're driving.
In Pennsylvania, non-owner car insurance costs an average of $263, with Erie Insurance offering the most affordable rates. Based on our research, Erie Insurance stands out as the best overall option. Remember, factors like your age, gender and driving history can significantly affect your insurance rates.
Methodology
170+
insurance companies analyzed
34,000+
ZIP codes examined
$53M
insurance quotes analyzed
Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:
- A 40-year-old driver
- A clean record
- Good credit
- State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage
Best company rankings use the rate data outline above, as well as:
- Customer complaints ratios 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 from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
- AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.
Compare Pennsylvania non-owners car insurance rates with other states
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