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

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

Travelers has the cheapest non-owner car insurance in Virginia at an average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $375. Virginia Farm Bureau Insurance is the second-cheapest insurer at $436 per year, although rates vary significantly between companies.

The table below shows the most affordable non-owner car insurance companies in Virginia.

Company	Average annual premium	Average monthly premium
Travelers	$375	$31
Virginia Farm Bureau Insurance	$436	$36
State Farm	$444	$37
Erie Insurance	$577	$48
GEICO	$769	$64
Progressive	$965	$80
Farmers	$1,680	$140
USAA	$249	$21

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What are the best non-owner car insurance companies in Virginia?

The best non-owner car insurance companies in Virginia are Erie Insurance, State Farm, and Travelers, based on average rates, customer satisfaction, and complaint ratios. These insurers offer reliable, competitively priced 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	A.M Best	Overall score
Erie Insurance	$577	706	0.77	A	4.55
State Farm	$444	673	0.87	A+	4.35
Travelers	$375	633	0.63	A++	4.31
GEICO	$769	643	0.60	A++	4.12
Progressive	$965	625	0.60	A+	3.71
Farmers	$1,680	636	1.24	A	2.69
USAA	$249	743	1.16	A++	4.56

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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

Erie Insurance

Our number one pick for non-owner car insurance in Virginia is Erie Insurance. The average rate for liability coverage is $577. Erie Insurance has an AM Best score of A and an NAIC complaint ratio of 0.77.

State Farm

State Farm is another great option for non-owner car insurance in Virginia, with average rates of $444 per year. It has an AM Best rating of A+ and a low NAIC complaint ratio of 0.87.

Travelers

Our third choice is Travelers, with an average rate of $375. It has an NAIC complaint ratio of 0.63 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

The average cost of non-owner car insurance in Virginia is $549 per year. Your rate depends on several personal and location-based factors.

Your rate will vary based on:

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

Non-owner car insurance in Virginia by age and gender

Younger drivers often pay more because they have less driving experience and higher accident rates. Rates often decrease after age 25 and stay lower through middle age.

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

Even in a state that bans the use of age and gender for car insurance rates, like Virginia, your years of driving experience will still impact what you pay.

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

Age group	Male	Female
Teens (16-19)	$2,133	$1,919
Young Adults (20-24)	$787	$761
Adults (25-60)	$545	$593
Seniors (65-75)	$693	$608

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Do you need non-owner car insurance in Virginia?

You may need non-owner car insurance in Virginia if you frequently borrow or rent cars, need to file an SR-22, or want to maintain continuous coverage. However, it's unnecessary if you already own a vehicle or only drive occasionally.

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 Virginia 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.

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 liability only	$549
Traditional state minimum policy	$693
State minimum car insurance limits	50/100/25

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What does Virginia non-owner car insurance cover?

Non-owner car insurance in Virginia covers liability claims when you cause an accident in a borrowed or rented vehicle and other state-required coverage. Liability coverage pays for injuries and property damage caused to others.

This coverage may include:

Bodily injury liability
Property damage liability

However, it does not cover:

Damage to the car you are driving
Theft or vandalism

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 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.

Non-owner car insurance in Virginia costs an average of $549, with Travelers offering the lowest rates. Our analysis found that Erie Insurance is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your 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++.

FAQ: Non-owner car insurance in Virginia

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

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 Virginia?

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.