- Cheapest non-owner car insurance companies in Washington, D.C.
- Best non-owner car insurance in Washington, D.C.
- Insurance.com's top choices for non-owner car insurance
- Average cost of non-owner car insurance in Washington, D.C.
- Non-owner car insurance in Washington, D.C. by age and gender
- Non-owner vs. traditional car insurance
- What does Washington, D.C. non-owner car insurance cover?
- The bottom line: Non-owner car insurance in Washington, D.C.
- Methodology
- Compare Washington, D.C. non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in Washington, D.C.
The cheapest non-owner car insurer in Washington, D.C. is GEICO, with rates averaging $181. The second cheapest Washington, D.C. non-owner insurer is Erie Insurance. Average rates are $239.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| GEICO | $181 | $15 |
| Erie Insurance | $239 | $20 |
| State Farm | $391 | $33 |
| Progressive | $690 | $58 |
| USAA | $239 | $20 |
Best non-owner car insurance in Washington, D.C.
While Erie Insurance is the top choice, GEICO and State Farm are also great options for non-owner coverage.
To find the best non-owner car insurance companies in Washington, D.C., 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 Washington, D.C.
| Company | Average annual premium | J.D. Power | NAIC | AM Best | Overall score |
|---|---|---|---|---|---|
| Erie Insurance | $239 | 863 | 0.61 | A+ | 3.79 |
| GEICO | $181 | 818 | 0.91 | A++ | 3.24 |
| State Farm | $391 | 843 | 0.70 | A++ | 3.14 |
| Progressive | $690 | 814 | 0.65 | A+ | 2.39 |
Insurance.com's top choices for non-owner car insurance
Take a closer look at our top picks for non-owner car insurance in Washington, D.C.
Erie Insurance
Our number one pick for non-owner car insurance in Washington, D.C. is Erie Insurance. The average rate for liability coverage is $239. Erie Insurance has an AM Best score of A+ and an NAIC complaint ratio of 0.61.
GEICO
Another excellent choice for non-owner car insurance in Washington, D.C. is GEICO. Average rates are $181 annually. GEICO has an AM Best rating of A++ and an NAIC complaint ratio of 0.91.
State Farm
Our third recommendation is State Farm, with average rates of $391. It has an NAIC complaint ratio of 0.7 and holds an AM Best rating of A++.
PEOPLE ASK:
Do I need Washington, D.C. 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 Washington, D.C.
Non-owner car insurance in Washington, D.C. costs $310 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 Washington, D.C. by age and gender
Your age and gender can impact your rates, whether you're shopping for non-owner or standard car insurance in Washington, D.C.
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 Washington, D.C. non-owner car insurance rates by age and gender.
| Age group | Female | Male |
|---|---|---|
| Teens (16-19) | $676 | $580 |
| Young Adults (20-24) | $342 | $353 |
| Adults (25-60) | $311 | $267 |
| Seniors (65-75) | $318 | $280 |
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 Washington, D.C. 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.
Insurance companies assume that people without a car drive less often, and because non-owner car insurance works as a backup 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 | $310 |
| Traditional state minimum policy | $558 |
| State minimum car insurance limits | 25/50/10 |
What does Washington, D.C. non-owner car insurance cover?
A Washington, D.C. non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Washington, D.C., 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 Washington, D.C.
Drivers in Washington, D.C. 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 Washington, D.C. costs an average of $310, with GEICO 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.
Take the time to compare options to find the best non-owner car insurance in Washington, D.C. Use the tool above to easily compare non-owner insurance providers near you.
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 Washington, D.C. non-owners car insurance rates with other states
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