Which companies offer the cheapest non-owner car insurance in Washington, D.C.?
GEICO has the cheapest non-owner car insurance in Washington, D.C., with average annual rates of $246. State Farm is the second-cheapest option at $543 per year. Your final rate may change based on your age, driving history, ZIP code and coverage limits.
The table below lists the most budget-friendly non-owner car insurance companies in Washington, D.C.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| GEICO | $246 | $21 |
| State Farm | $543 | $45 |
| Progressive | $1,623 | $135 |
| USAA | $231 | $19 |
What are the best non-owner car insurance companies in Washington, D.C.?
The best non-owner car insurance companies in Washington, D.C. are GEICO, State Farm, and Progressive, 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 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 | A.M Best | Overall score |
|---|---|---|---|---|---|
| GEICO | $246 | 643 | 0.60 | A++ | 4.53 |
| State Farm | $543 | 673 | 0.87 | A+ | 4.20 |
| Progressive | $1,623 | 625 | 0.60 | A+ | 3.16 |
| USAA | $231 | 743 | 1.16 | A++ | 4.50 |
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.
GEICO
Our number one pick for non-owner car insurance in Washington, D.C. is GEICO. The average rate for liability coverage is $246. GEICO has an AM Best score of A++ and an NAIC complaint ratio of 0.60.
State Farm
State Farm is another great option for non-owner car insurance in Washington, D.C., with average rates of $543 per year. It has an AM Best rating of A+ and a low NAIC complaint ratio of 0.87.
Progressive
Our third choice is Progressive, with an average rate of $1,623. It has an NAIC complaint ratio of 0.60 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 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.
The average cost of non-owner car insurance in Washington, D.C. is $661 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
How do age and gender affect non-owner car insurance rates in Washington, D.C.?
Age and gender significantly impact non-owner car insurance rates in Washington, D.C., with younger drivers paying the highest premiums and drivers in their 50s typically receiving the lowest rates. Pricing trends reflect driving experience and statistical risk patterns.
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
Below are the average non-owner car insurance rates in Washington, D.C. by age and gender.
| Age group | Male | Female |
|---|---|---|
| Teens (16-19) | $2,608 | $2,403 |
| Young Adults (20-24) | $942 | $922 |
| Adults (25-60) | $663 | $680 |
| Seniors (65-75) | $715 | $706 |
Do you need non-owner car insurance in Washington, D.C.?
You may need non-owner insurance in Washington, D.C. if you drive cars you do not own on a regular basis. This coverage can also help if you need proof of insurance to file an SR-22 after a license suspension.
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 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 Washington, D.C. 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.
Additionally, since insurance companies expect that people without a car will drive less often and because non-owner car insurance serves as secondary coverage to the vehicle owner's policy, the overall 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 liability only | $661 |
| Traditional state minimum policy | $918 |
| State minimum car insurance limits | 25/50/10 |
What does Washington, D.C. non-owner car insurance cover?
Non-owner car insurance in Washington, D.C. generally provides the minimum required liability coverage, including bodily injury and property damage liability. In no-fault states, policies will also include required personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. (PIP) coverage. However, non-owner insurance does not cover damage to the vehicle you are 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.
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-owner car insurance in Washington, D.C. costs an average of $661 per year. GEICO offers the cheapest 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. at $246. Based on our analysis of rates, complaint data and financial strength, GEICO is the best overall insurer for non-owner coverage in Washington, D.C.
Be sure to compare your options to find the best non-owner car insurance in Washington, D.C. You can use the tool above to quickly and easily compare non-owner insurance providers 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 Washington, D.C.
Do I need non-owner insurance to drive a friend's car in Washington, D.C.?
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 Washington, D.C.?
No. Non-owner car insurance does not cover commercial driving activities such as Uber, Lyft or food delivery services. Drivers using vehicles for rideshare or delivery work need commercial or rideshare insurance coverage that specifically includes business-related driving risks.
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.
Compare Washington, D.C. non-owners car insurance rates with other states
You might also be interested in- Washington, D.C. car insurance laws and requirements: 2026 changes
- Washington, D.C. DWI and insurance: How much does a DWI raise your insurance?
- Speeding ticket calculator in Washington D.C.
- SR-22 insurance in Washington, D.C.
- Washington D.C. gap insurance: Everything you need to know
- Low-income car insurance in Washington, D.C.
- Washington D.C. car insurance guide
- Washington, D.C. car insurance coverage calculator
- Cheapest car insurance for high-risk drivers in Washington, D.C.
- Renters insurance in Washington, D.C.: Cost, best companies and how to save
