Cheapest and Best Non-Owner Car Insurance in Washington, D.C. (2024)

Non-owner car insurance offers liability coverage to individuals who do not own a vehicle but need financial protection while driving rentals, borrowed cars or rideshares. This type of policy provides coverage for third-party injuries and property damage in case of an at-fault accident.

Non-owner car insurance can also be a good option for drivers with violations, such as DUIs, who need to get their licenses reinstated after a suspension.

MoneyGeek’s analysis found that the cheapest non-owner car insurance in Washington, D.C. is offered by GEICO, which has the lowest rates for drivers with clean records as well as those with violations. GEICO is also the best company overall, offering a combination of affordability and quality service.

The cheapest company for non-owner auto insurance in Washington, D.C., is:

• Drivers with a clean record: GEICO ($22 per month)
• Drivers with violations: GEICO ($34 per month)

GEICO is the best option for cheap non-owner auto insurance for both drivers with clean records and those with violations. However, rates for drivers with a poor record are $12 more per month, on average, compared to rates for a clean record.

For drivers with a clean record, the most affordable options for non-owner car insurance in Washington, D.C., are:

• GEICO: $22 per month
• Progressive: $39 per month

If you have a military background, USAA is one of the cheapest providers, with an average rate of $26 monthly.

The cheapest average rate for non-owner car insurance in Washington D.C., is $22 per month, which is lower than the national average of $43 per month.

The most affordable companies for non-owner SR-22 car insurance in Washington, D.C are:

• GEICO: $34 per month
• State Farm: $45 per month

USAA is among the best options for low-cost SR-22 car insurance for non-owner drivers in D.C at $38 per month, but only individuals with a military background are eligible for its policies.

Serious violations like DUIs that require the filing of an SR-22 form, which could lead to increased car insurance rates since insurers will consider you a high-risk driver.

The cheapest average rate for non-owner SR-22 insurance in Washington, D.C., is $34 per month, which is significantly cheaper than the national average cost of non-owner SR-22 insurance of $59 per month.

Non-owner car insurance is a type of insurance that offers liability coverage for individuals who don't own a vehicle but drive frequently. For example, those who frequently borrow or rent cars can purchase non-owner car insurance in Washington, D.C., to get coverage for property damage and bodily injury caused to others in an at-fault accident. Coverage for personal injury and damage to the borrowed or rented vehicle are not included in the coverage.

You can use the table below to understand the coverage differences between non-owner and standard car insurance.

The average cost of Washington, D.C., non-owner car insurance is $42 per month, which is in line with the national average of $43 per month.

While location can be a determining factor in the average cost of car insurance, factors such as driver age, driving history and coverage needs tend to have more of an impact on costs.

The best companies for non-owner auto insurance in Washington, D.C., are:

• GEICO: MoneyGeek score 74 out of 100 ($22 per month)
• State Farm: MoneyGeek score 68 out of 100 ($41 per month)
• Progressive: MoneyGeek score 66 out of 100 ($39 per month)

MoneyGeek ranked the best companies in Washington, D.C., based on several factors, including J.D. Power customer satisfaction ratings, AM Best financial stability ratings and affordability.

We reviewed the best providers in the highlights below to help you choose the best insurer.

Non-owner car insurance can be beneficial for certain types of drivers who do not own a car but still need occasional coverage. This includes individuals who frequently rent cars, borrow cars from others or those seeking to reinstate their driver's license.

If you fall into any of the categories below, a non-owner car insurance policy could provide you with the coverage you need.

We answered commonly asked questions to help you learn more about Washington, D.C., non-owner auto insurance.