- 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.
Geico is the cheapest non-owner car insurance in Washington, D.C. with rates averaging $181. The second most affordable option in Washington, D.C. is Erie Insurance, with an average rate of $239.
The table below shows the most affordable non-owner car insurance companies in Washington, D.C.
| 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.
Although Erie Insurance came out on top, Geico and State Farm are also excellent choices for providing 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.
The table below compares the top 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
Geico is another great option for non-owner car insurance in Washington, D.C. with average rates of $181 per year. It has an AM Best rating of A++ and a low NAIC complaint ratio of 0.91.
State Farm
Our third choice is State Farm, with an average rate of $391. It has an NAIC complaint ratio of 0.7 and 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 drive it frequently. Occasional use of a friend's car is covered by their insurance as permissive use, usually as long as it's less than 12 times a year. Still, it's always best to check with your friend's insurance company.
Average cost of non-owner car insurance in Washington, D.C.
The average cost of non-owner car insurance in Washington, D.C. is $310, but rates may vary based on factors such as your driving record, age, and coverage level.
Non-owner car insurance in Washington, D.C. by age and gender
Whether you're looking for non-owner or standard car insurance, age and gender affect your rates in Washington, D.C.
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 Washington, D.C. rates for non-owner car insurance based on 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 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 Washington, D.C. 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.
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 only gives you the basic coverage you need to drive legally. It meets all the minimum car insurance requirements in Washington, D.C. But it won't pay for any damage to the car itself.
Non-owner car insurance is secondary, so it will only apply after the car owner's policy limits are exceeded.
The bottom line: Non-owner car insurance in Washington, D.C.
Washington, D.C. 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.
Non-owners car insurance averages $310 in Washington, D.C. and Geico offers the lowest rates. In our analysis, Erie Insurance was the top pick overall. Remember that your age, gender, and driving record significantly impact 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
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++.
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