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

Cheapest non-owner car insurance companies in Virginia

Auto-Owners offers the most affordable non-owner car insurance in Virginia, with rates averaging $104. The second cheapest Virginia non-owner insurer is Geico. Average rates are $210.

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

Company	Average annual premium	Average monthly premium
Auto-Owners	$104	$9
Geico	$210	$18
State Farm	$228	$19
Virginia Farm Bureau	$287	$24
Erie Insurance	$291	$24
Travelers	$291	$24
Progressive	$745	$62
USAA	$191	$16

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Best non-owner car insurance in Virginia

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

To find the best non-owner car insurance companies in Virginia, 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 Virginia.

Company	Average annual premium	J.D. Power	NAIC	AM Best	Overall score
Auto-Owners	$104	840	0.50	A++	3.92
Erie Insurance	$291	863	0.61	A+	3.49
State Farm	$228	843	0.70	A++	3.21
Travelers	$291	822	0.49	A++	3.18
Geico	$210	818	0.91	A++	3.04
Progressive	$745	814	0.65	A+	2.26

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

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

Auto-Owners

Our number one pick for non-owner car insurance in Virginia is Auto-Owners. The average rate for liability coverage is $104. Auto-Owners has an AM Best score of A++ and an NAIC complaint ratio of 0.5.

Erie Insurance

Another excellent choice for non-owner car insurance in Virginia is Erie Insurance. Average rates are $291 annually. Erie Insurance has an AM Best rating of A+ and an NAIC complaint ratio of 0.61.

State Farm

Our third pick is State Farm. State Farm rates average $228. Its NAIC complaint ratio is 0.7, and it has a rating of A++.

PEOPLE ASK:

Do I need Virginia 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 Virginia

Non-owners car insurance in Virginia costs $290. However, the rates may differ based on factors such as your driving record, age and coverage level.

Non-owner car insurance in Virginia by age and gender

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

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 Virginia non-owner car insurance rates by age and gender.

Age group	Female	Male
Teens (16-19)	$554	$496
Young Adults (20-24)	$388	$360
Adults (25-60)	$290	$290
Seniors (65-75)	$323	$312

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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 Virginia 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.

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	$290
Traditional state minimum policy	$428
State minimum car insurance limits	30/60/20

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What does Virginia non-owner car insurance cover?

A Virginia non-owner car insurance policy only provides the legally required coverage to be on the road. It includes all Virginia minimum car insurance requirements. It doesn't cover any damage to the vehicle itself.

Non-owner car insurance is secondary, which means it will only apply after the car owner's policy limits are exceeded.

The bottom line: Non-owner car insurance in Virginia

Drivers in Virginia 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 Virginia costs an average of $290, with Auto-Owners offering the lowest rates. Our analysis found that Auto-Owners is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your insurance rates.

Take the time to compare options to find the best non-owner car insurance in Virginia. Use the tool above to easily compare non-owner insurance providers near you.

Methodology

Insurance.com analyzed non-owner car insurance companies in 2023 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++.