Non-owner auto insurance in Virginia: Which company has the cheapest rates?

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Non-owner auto insurance in Virginia costs $290 annually, which is $35 less than the average nationally, according to an Insure.com rate analysis.

In Virginia, non-owner policies are available from companies such as Auto-Owners, Geico and State Farm.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Virginia.

How much does non-owner car insurance cost in Virginia?

Insurance companies view non-owner policyholders as less of a risk due to their minimal access to a car, and therefore, it’s usually less expensive to buy non-owner insurance than full coverage auto insurance.

On average in the United States, it costs a driver with a clean driving record and good credit score $1,895 per year for a 100/300/100 full coverage insurance policy-$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. In Virginia, full coverage car insurance costs $1,469.

Alternatively, non-owner car insurance is $325 a year on average in the U.S. and $290 in Virginia.

But various factors affect individual rates, such as where in state you live, your age and driving history and other factors.

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Which insurer offers the cheapest non-owner insurance rates in Virginia?

In Virginia, Auto-Owners’s non-owner insurance policy is the cheapest at $104 a year.

At $745 a year, Progressive charges the highest rate for non-owner insurance in the state.

Experts recommend comparing quotes from many different insurance companies so that you can find the best rate available. The cheapest non-owner insurance policies in the state are listed below.

Cheapest non-owner insurance rates in Virginia

Note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Virginia by age?

Age is an important factor when it comes to pricing. Statistically, young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. In Virginia, a 45-year-old will pay an average of $287 annually for a non-owner insurance policy compared to a 16-year-old driver who will pay an average of $604.

Average non-owner car insurance rates in Virginia by age

Which Virginia cities have the cheapest non-owner auto insurance?

Rates differ from city to city. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism in an area.

The tables below display the cities in Virginia that have the least and most expensive non-owner auto insurance rates.

The 20 Virginia cities with the lowest non-owner auto insurance rates

The 20 Virginia cities with the highest non-owner car insurance rates

How much is non-owner car insurance in Virginia’s 10 biggest cities?

The most populous cities in Virginia have varying non-owner insurance rates. The cost of non-owner insurance in Portsmouth is the most expensive at $362; Roanoke has the cheapest rates of the largest cities in the state at $289.

Non-owner auto rates in Virginia’s 10 largest cities

How non-owner insurance rates in Virginia compare to rates in other states

Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Virginia is $290 a year, which is lower than the national average of $325.

Non-owner auto insurance rates in the 10 most populous states

What does non-owner auto insurance cover?

Non-owner auto insurance provides coverage when you are driving a vehicle you don’t own. “If someone with non-owner auto insurance is involved in an accident while driving a rental car or a friend’s car, the policy typically covers liability for damages and injuries to others,” says Golnoush Goharzad, a personal injury attorney in California.

An important caveat is these policies don’t cover damage to the car you are driving. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency,” Goharzad says.

Goharzad adds that non-owner auto insurance policies may provide extra coverage. “Non-owner policies may also provide supplementary liability over and above what the car owner’s policy covers, filling in gaps if the primary policy’s limits are exhausted.”

How to get non-owner auto insurance in Virginia

Your driver’s license number and a credit or debit card are all you need to get a non-owner insurance policy.

To purchase a policy, follow these steps:

1. Contact an auto insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly. Here are a few car insurance companies with their contact numbers to call for a non-owner insurance quote.

• State Farm: 800-782-8332
• Geico: 800-207-7847
• Progressive: 888-671-4405
• Allstate: 800-726-6033
• USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.

What our expert says

Q: Does a non-owner policy cover damage to your car?

Golnoush GoharzadPersonal injury attorney, California.

These policies don’t cover damage to the car you are driving, Goharzad says. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency.”

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Leslie Kasperowicz

Managing Editor

 

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com.