GEICO offers the cheapest non-owner car insurance in Washington, D.C., with a monthly premium of just $22, lower than the district's average. The table below compares other affordable options.
Cheapest Non-Owner Car Insurance in Washington, D.C.
Updated: November 11, 2025
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Best Cheap Non-Owner Car Insurance in Washington, D.C.: Key Takeaways
GEICO offers the cheapest SR-22 non-owner car insurance for those with a driving incident in Washington, D.C., with an average monthly cost of $34.
Non-owner car insurance covers you when driving a vehicle that isn't yours, as long as you meet D.C.'s minimum coverage requirements.
Consider non-owner insurance if you often borrow cars, rent vehicles or need to reinstate your license but can't afford a traditional policy.
Cheapest Non-Owner Car Insurance in Washington, D.C.
| GEICO | $267 | $22 |
| Progressive | $467 | $39 |
| State Farm | $488 | $41 |
| Nationwide | $1,005 | $84 |
Have auto insurance questions?Chat with Charlie now.
Cheapest Non-Owner SR-22 Car Insurance in Washington, D.C.
GEICO provides the most affordable SR-22 non-owner policy in Washington, D.C., at $34 monthly, well below the district's $63 average. The table below shows other low-cost options.
| GEICO | $404 | $34 |
| State Farm | $540 | $45 |
| Progressive | $894 | $74 |
| Nationwide | $1,198 | $100 |
How Much Is Non-Owner Car Insurance in Washington, D.C.?
Non-owner car insurance in Washington, D.C., costs an average of $42 monthly, slightly below the $43 national average. SR-22 averages $63 per month, higher than the national average of $48 to $58. Your premium may vary based on your driving history.
Non-Owner Car Insurance Cost Comparison: National vs. D.C.
National Average Cost
Monthly Premium
$43Washington, D.C. Average Cost
Monthly Premium
$42Non-owner car insurance in Washington, D.C., is average:$1 saved
This is 2% less expensive.
Washington, D.C., Non-Owner Car Insurance: Buyer's Guide
To help D.C. drivers determine if a non-owner insurance policy is right for them, we've outlined its key differences from standard policies, costs and who benefits most.
What Is Non-Owner Car Insurance?
Non-owner car insurance is smart if you drive often but don't own a car. It covers costs if you're at fault in a crash, providing financial protection that meets the district's minimum coverage requirements. Below, see how this compares to standard policies.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Washington, D.C., Allow Non-Owner Car Insurance?
Non-owner insurance offers coverage for those who drive but don't own a car. It's available in Washington, D.C., and meets SR-22 filing requirements.
WASHINGTON, D.C., MINIMUM INSURANCE REQUIREMENTS
In Washington, D.C., non-owner car insurance must meet the same minimum requirements as owner policies.
The minimum limits are:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $5,000 uninsured/underinsured property damage coverage
These limits are the bare minimum, but you need to determine if they provide enough financial protection. Assess your actual coverage needs, as minimum limits may not cover all costs after a serious accident.
Should You Get Non-Owner Car Insurance in Washington, D.C.?
Non-owner insurance in D.C. is affordable for those who regularly drive but don’t own a car, especially frequent vehicle renters or car-sharing users. This policy provides minimum coverage if you cause an accident. Consider how often you drive and the cars you use before purchasing a policy.
AVOID ONE-DAY CAR INSURANCE
Be cautious of "one-day insurance" offers in Washington, D.C., as they aren't legitimate and may signal fraud. For reliable temporary coverage, such as during a move or road trip, choose insurance through a car rental company.
Who Needs Non-Owner Car Insurance?
The following drivers in Washington, D.C., should consider a non-owner car insurance policy:
Car borrowers
Non-owner insurance covers drivers who borrow a vehicle. It provides minimum coverage for damage or injuries caused by the borrower.
Occasional renters
Non-owner insurance provides financial protection without requiring repeated rental insurance purchases, potentially saving money over time.
Drivers between cars
Drivers without a car can maintain continuous insurance coverage with a non-owner policy, which may prevent future premiums from increasing due to a lapse in coverage.
License reinstatement-seekers
For those seeking to reinstate their driver's license after a suspension, a non-owner policy provides proof of insurance to meet legal requirements without owning a vehicle.
WHAT IS SR-22 INSURANCE?
An SR-22, or Certificate of Financial Responsibility, is a form your insurer files with the DMV to confirm you meet the required minimum coverage. It's often required for drivers with a DUI or without insurance to drive legally.
Cheap Non-Owner Car Insurance in Washington, D.C.: Bottom Line
Washington, D.C., offers non-owner car insurance, even for drivers requiring an SR-22 form. GEICO is the cheapest option, followed by Progressive and State Farm. Compare quotes from multiple insurers to find the best deal.
Non-Owner Car Insurance in Washington, D.C.: FAQ
Get answers to frequently asked questions about non-owner car insurance in Washington, D.C., below.
Which company offers the cheapest non-owner car insurance in Washington, D.C.?
GEICO offers the most affordable non-owner car insurance in Washington, D.C., with a monthly cost of $22. It also provides the cheapest rate for SR-22 insurance at $34.
How much does non-owners car insurance cost in Washington, D.C.?
Non-owner car insurance in Washington, D.C., costs about $508 annually or $42 monthly. For drivers needing SR-22, the average cost is $758 annually or $63 monthly.
Our Research Approach for Non-Owner Insurance
Shopping for non-owner insurance can be confusing because you don't have a car to base the policy on. We know you need to see real-world rates without buying a traditional policy. We designed our methodology using a sample profile and the district's exact minimum limits to help you find the cheapest, most effective financial protection.
Data Collection and Scope
We compiled Washington, D.C., auto insurance rates from the District of Columbia Department of Insurance, Securities and Banking and Quadrant Information Services. Our research included examining 240 car insurance quotes from five providers to identify the most affordable options in the district.
Defining Our Sample Profile
Non-owner policies cover the driver, not the car. To get accurate rates, we used a sample driver profile with specific characteristics. This approach isolates the primary cost factors: the driver's history and location.
Our sample driver included:
- 40-year-old male
- Clean driving record
- Good credit history
- 12,000 miles driven annually
- Vehicle proxy: 2012 Toyota Camry LE (used to generate quotes, though not owned)
Coverage Levels We Used
We compared non-owner car insurance rates using the minimum coverage policies required by Washington, D.C. This ensures you can meet the legal requirements affordably, whether you're renting a car or seeking license reinstatement.
The required minimum limits are:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $5,000 uninsured/underinsured property damage coverage
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.