- 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 offers the lowest non-owner car insurance rates in Washington, D.C., with an average cost of $181. The next most affordable option is Erie Insurance, which has an average rate of $239.
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 | $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 is the best overall choice, GEICO and State Farm are also excellent options for non-owner car insurance coverage.
To identify the best non-owner car insurance companies in Washington, D.C., 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 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
Explore our top recommendations for non-owner car insurance in Washington, D.C.
Erie Insurance
Our top choice for non-owner car insurance in Washington, D.C. is Erie Insurance, with an average rate of $239 for liability coverage. Erie Insurance holds an AM Best rating of A+ and has an NAIC complaint ratio of 0.61.
GEICO
GEICO is also a great choice for non-owner car insurance in Washington, D.C., offering coverage at an average annual rate of $181. It has earned an AM Best rating of A++ and maintains a low NAIC complaint ratio of 0.91.
State Farm
Our third pick is State Farm. State Farm rates average $391. Its NAIC complaint ratio is 0.7, and it has a 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 $310, but your rate may differ depending on your driving record, age and the coverage you choose.
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.
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 | $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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