- 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
Auto-Owners offers the lowest non-owner car insurance rates in Virginia, with an average cost of $104. The next most affordable option is GEICO, which has an average rate of $210.
The table below lists the most budget-friendly 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 is the best overall choice, Erie Insurance and State Farm are also excellent options for non-owner car insurance coverage.
To identify the best non-owner car insurance companies in Virginia, 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 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
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
Erie Insurance is also a great choice for non-owner car insurance in Virginia, offering coverage at an average annual rate of $291. It has earned an AM Best rating of A+ and maintains a low NAIC complaint ratio of 0.61.
State Farm
Our third recommendation is State Farm, with average rates of $228. It has an NAIC complaint ratio of 0.7 and holds 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
The average cost of non-owner car insurance in Virginia is $290, but your rate may differ depending on your driving record, age and the coverage you choose.
Non-owner car insurance in Virginia by age and gender
Whether you're looking for non-owner or standard car insurance, age and gender affect your rates in Virginia.
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 Virginia rates for non-owner car insurance based on 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 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 Virginia 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 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
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-owners car insurance averages $290 in Virginia, and Auto-Owners offers the lowest rates. In our analysis, Auto-Owners was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.
Shop around to find the best Virginia 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++.
Compare Virginia non-owners car insurance rates with other states
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