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

Which companies offer the cheapest non-owner car insurance in Pennsylvania?

The cheapest non-owner car insurance company in Pennsylvania is Westfield Insurance, with average annual rates of $140, followed by Travelers at $180. These insurers consistently offer the lowest liability-only premiums for drivers who don't own a vehicle.

Compare the cheapest non-owner car insurance companies in Pennsylvania below.

Company	Average annual premium	Average monthly premium
Westfield Insurance	$140	$12
Travelers	$180	$15
Erie Insurance	$236	$20
GEICO	$342	$29
State Farm	$342	$28
Progressive	$563	$47
USAA	$200	$17

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Best non-owner car insurance in Pennsylvania

Westfield Insurance is the best non-owner car insurance company in Pennsylvania based on cost, customer complaints and financial strength ratings. Erie Insurance and Travelers are also strong choices for drivers looking for affordable liability coverage.

To identify the best non-owner car insurance companies in Pennsylvania, we considered several key factors, such as the number of customer complaints, financial strength, and average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates. Our analysis used rate data from Quadrant Information Services, along with third-party ratings from J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC).

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

Company	Average annual premium	J.D. Power	NAIC	A.M Best	Overall score
Westfield Insurance	$140	647	0.60	A	4.29
Erie Insurance	$236	706	0.77	A	4.29
Travelers	$180	633	0.63	A++	4.18
GEICO	$342	643	0.60	A++	3.93
State Farm	$342	673	0.87	A+	3.63
Progressive	$563	625	0.60	A+	3.15
USAA	$200	743	1.16	A++	4.36

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.

Westfield Insurance

Westfield Insurance is our top choice for non-owner car insurance in Pennsylvania. Its average annual non-owner car insurance cost is $140. Westfield Insurance has an AM Best score of A and a low NAIC complaint ratio of 0.60.

Erie Insurance

Another excellent choice for non-owner car insurance in Pennsylvania is Erie Insurance. Average rates are $236 annually. Erie Insurance has an AM Best rating of A and an NAIC complaint ratio of 0.77.

Travelers

Our third recommendation is Travelers, with average rates of $180. It has an NAIC complaint ratio of 0.63 and holds 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.

How much does non-owner car insurance cost in Pennsylvania?

The average cost of non-owner car insurance in Pennsylvania is $279 per year, but individual rates vary significantly based on factors such as driving history, ZIP code, and coverage limits

Your rate will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code

How do age and gender affect non-owner car insurance rates in Pennsylvania?

Age and gender significantly impact non-owner car insurance rates in Pennsylvania, with younger drivers paying the highest premiums and drivers in their 50s typically receiving the lowest rates. Pricing trends reflect driving experience and statistical risk patterns.

How it works:

Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
Rates start to level out around the age of 25 and continue to drop
Drivers in their 50s pay the lowest average rates
After 65, rates increase, but not dramatically

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

Age group	Male	Female
Teens (16-19)	$595	$595
Young Adults (20-24)	$304	$304
Adults (25-60)	$280	$280
Seniors (65-75)	$276	$276

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Do you need non-owner car insurance in Pennsylvania?

You may need non-owner insurance in Pennsylvania if you drive cars you do not own on a regular basis. This coverage can also help if you need proof of insurance to file an SR-22 after a license suspension.

You may need non-owner car insurance if:

You frequently drive cars owned by others and want an extra layer of protection
You frequently rent cars
You need insurance to file an SR-22 in order to reinstate your license
You want to prevent a lapse in coverage while in between cars

You don't need a non-owner policy if:

You own and insure your own vehicle
You only drive cars owned by others occasionally
You drive a company car for which insurance is provided by your employer

Non-owner vs. traditional car insurance

Non-owner car insurance usually costs less than standard car insurance because it provides minimal coverage. While non-owner policies only include liability coverage, standard car insurance can offer much broader protection.

For instance, non-owner car insurance in Pennsylvania won't cover damage to the vehicle you're driving. In contrast, traditional car insurance can include collision and comprehensive coverage to help pay for vehicle repairs or replacements.

Additionally, since insurance companies expect that people without a car will drive less often and because non-owner car insurance serves as secondary coverage to the vehicle owner's policy, the overall 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 liability only	$279
Traditional state minimum policy	$460
State minimum car insurance limits	15/30/5

Read our methodology

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 who frequently rent or borrow vehicles may benefit from non-owner car insurance. This policy provides liability protection if you cause injuries or property damage to others. However, it does not cover your injuries or damage to the car you are driving.

Non-owner car insurance in Pennsylvania costs an average of $279 per year. Westfield Insurance offers the cheapest average premium at $140. Based on our analysis of rates, complaint data and financial strength, Westfield Insurance is the best overall insurer for non-owner coverage in Pennsylvania.

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

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++.

FAQ: Non-owner car insurance in Pennsylvania

Do I need non-owner insurance to drive a friend's car in Pennsylvania?

No. If you have permission to drive the vehicle, the owner's insurance policy will normally cover you. However, if accident costs exceed the policy limits, non-owner insurance can provide additional liability protection.

Can I use non-owner insurance for Uber or delivery driving in Pennsylvania?

No. Non-owner car insurance is a personal car insurance policy that doesn't cover business use of any vehicle. The vehicle being used for ridesharing or deliveries must have the correct coverage.

Does non-owner insurance cover rental cars?

Yes. A non-owner policy will provide you with liability coverage in a rental car. However, it doesn't cover damage to the vehicle itself, only injuries and damage to others.