- Cheapest non-owner car insurance companies in Virginia
- Best non-owner car insurance in Virginia
- Insurance.com's top choices for non-owner car insurance
- Average cost of non-owner car insurance in Virginia
- Non-owner car insurance in Virginia by age and gender
- Non-owner vs. traditional car insurance
- What does Virginia non-owner car insurance cover?
- The bottom line: Non-owner car insurance in Virginia
- Methodology
- Compare Virginia non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in Virginia
The cheapest non-owner car insurance in Virginia is from Auto-Owners, with an average rate of $104. The second most affordable option in Virginia is GEICO, with an average rate of $210.
The table below shows the most affordable non-owner car insurance companies in Virginia.
| 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 |
Best non-owner car insurance in Virginia
Although Auto-Owners came out on top, Erie Insurance and State Farm are also excellent choices for providing 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.
The table below compares the top 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 |
Insurance.com's top choices for non-owner car insurance
Explore our top recommendations for non-owner car insurance in Virginia.
Auto-Owners
Our top choice for non-owner car insurance in Virginia is Auto-Owners, with an average rate of $104 for liability coverage. Auto-Owners holds an AM Best rating of A++ and has an NAIC complaint ratio of 0.5.
Erie Insurance
Erie Insurance is another great option for non-owner car insurance in Virginia, with average rates of $291 per year. It has an AM Best rating of A+ and a low NAIC complaint ratio of 0.61.
State Farm
Our third choice is State Farm, with an average rate of $228. It has an NAIC complaint ratio of 0.7 and an AM Best 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-owner car insurance in Virginia costs $290 on average. However, your actual rate may vary depending on factors like your driving history, age and the level of coverage you choose.
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 |
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 shows a comparison of average yearly rates for non-owner and standard car insurance.
| Non-owners state minimum policy | $290 |
| Traditional state minimum policy | $428 |
| State minimum car insurance limits | 30/60/20 |
What does Virginia non-owner car insurance cover?
A Virginia non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Virginia, 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 Virginia
Virginia drivers may need non-owner car insurance for various reasons, such as renting or borrowing a car. However, this type of coverage typically only offers liability coverage to pay for property damage or bodily injuries you cause to others. Coverage does not extend to you or the vehicle you're driving.
In Virginia, non-owner car insurance costs an average of $290, with Auto-Owners offering the most affordable rates. Based on our research, Auto-Owners 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 Virginia non-owners car insurance rates with other states
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