Non-Owner Car Insurance in District Of Columbia: The Cheapest Options and What You Need to Know

In the District of Columbia, the average cost of non-owner car insurance is $467 per year. The cheapest insurer is GEICO, costing an average rate of $168 annually. MoneyGeek’s comprehensive guide explains when and how to get insurance with no car in the District of Columbia.

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Last Updated: 8/15/2022

Drivers who do not own a car but frequently drive rentals or use car-sharing services may find non-owner car insurance in the District of Columbia as a good option. It’s also best for those who need proof of insurance to get their license reinstated.

On average, non-owner car insurance costs $467 annually for drivers with a clean driving record and $599 per year for those with a serious driving violation, like a DUI.

MoneyGeek evaluated quotes from various insurance providers and explained when you should and shouldn’t buy non-owner car insurance in the District of Columbia.

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Cheapest Non-Owner Car Insurance Companies in District Of Columbia

Compared to regular auto insurance, a non-owner car insurance policy is less expensive. You can still save money if you compare rates from different insurance providers.

Based on average rates, the cheapest widely available insurers in the District of Columbia for non-owner car insurance are:

  • GEICO: $168 per year
  • State Farm: $608 per year

USAA has the second most affordable average annual rate of $246, but it is only available to military families.

Meanwhile, the most expensive insurance company is Progressive with an average annual rate of $847.

The non-owner car insurance policies in this analysis are for a 40-year-old driver with the limits detailed in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in District Of Columbia

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $168
    $14
  • USAA
    $246
    $21
  • State Farm
    $608
    $51
  • Progressive
    $847
    $71
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How Much Is Non-Owner Car Insurance in District Of Columbia?

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Across all companies offering non-owner car insurance in the District of Columbia, the average rate is $467 per year for drivers with a clean driving history. That is $254 less than the average cost of standard auto insurance, which is $721 annually.

A major traffic violation can raise your premiums. For those with a DUI, non-owner car insurance costs an average of $599 annually, while traditional insurance if you have a DUI costs roughly $1,098 per year.

Cheapest SR-22 Non-Owner Car Insurance Companies in District Of Columbia

District of Columbia drivers need to file an SR-22 to get their license reinstated. SR-22 in District of Columbia is necessary after a serious traffic violation, such as a DUI. If you do not own a car, non-owner SR-22 may be the most affordable option for you.

On average, the most affordable companies for average drivers with a DUI on record are:

  • GEICO: $296 per year
  • State Farm: $608 per year

USAA is the second most cost-effective option and has an average rate of $478 annually. However, you must have a military background to be eligible for this policy.

The most expensive insurer is Progressive, with an average rate of $1,014 yearly.

Cheapest SR-22 Non-Owner Car Insurance Companies in District Of Columbia

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $296
    $25
  • USAA
    $478
    $40
  • State Farm
    $608
    $51
  • Progressive
    $1,014
    $85
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What Is Non-Owner Car Insurance in District Of Columbia?

Non-owner liability insurance, otherwise known as non-owner car insurance, is the best option if you need insurance but do not own a car. This policy should include liability coverage and other coverages the state requires, like uninsured motorist coverage.

However, this type of policy does not include comprehensive and collision insurance, also known as full coverage.

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All non-owner car insurance policies in the District of Columbia should meet the minimum coverage requirements, including:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident
  • $5,000 uninsured motorist property damage coverage per accident

Who Should Get Non-Owner Car Insurance in District Of Columbia?

Non-owner car insurance in the District of Columbia is best for the following types of drivers:

  • Drivers who need insurance to get their license reinstated: If you are convicted of a major driving violation, such as a DUI, your driver’s license may get suspended. To reinstate it, you may need to file an SR-22 to prove that you have insurance coverage. Since an SR-22 raises insurance premiums, getting non-owner car insurance can help you save money.
  • Drivers who rent cars or use car-sharing services often: If you do not own a vehicle but frequently drive by renting a car, non-owner auto insurance may be the best option. It’s also ideal for drivers who regularly borrow a vehicle whose owner’s policy does not provide sufficient coverage.
  • Drivers who temporarily do not have a car but want to maintain insurance coverage to avoid a lapse: If you decided to give up your car insurance because you temporarily don’t have a vehicle, you may incur an insurance lapse. This could significantly increase your rates. Non-owner car insurance can help you maintain coverage without having your rates go up.

Who Shouldn’t Get Non-Owner Car Insurance in District Of Columbia?

There are circumstances when non-owner car insurance is not necessary. For example, if you are a Washington resident who frequently drives a friend’s or relative’s car, you’ll be covered under their insurance since you have permission to drive their vehicle.

If you rarely rent a car, you don’t need non-owner car insurance. If you travel outside D.C. only once or twice a year and rent a car to do so, rental car insurance is sufficient.

How to Get Non-Owner Car Insurance in District Of Columbia

The insurance companies mentioned on this page provide policies for non-owner car insurance in the District of Columbia. However, most insurers do not provide quotes online. To buy non-owner insurance, you’ll have to call them for a quote. You can use the contact information of the insurers listed below to get a quote.

Contact Non-Owner Car Insurance Companies in District Of Columbia
  • Company
    Contact Number
  • GEICO
    800-207-7847
  • USAA
    800-531-8722
  • State Farm
    800-782-8332
  • Progressive
    888-671-4405

Frequently Asked Questions About District Of Columbia Non-Owner Car Insurance

Non-owner car insurance is not the same as a regular auto insurance policy, as it’s an option for drivers who don’t own a vehicle. Here are some of the most common questions about non-owner car insurance in the District of Columbia:

Methodology

For this study, MoneyGeek analyzed data collected from insurers in the District of Columbia in collaboration with Quadrant Information Services. The insurance quotes are based on a policy for a 40-year-old driver with either a clean driving record or a DUI. The policies on this page meet the minimum car insurance requirements in the state except for liability insurance, which have the following limits:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

The standard car insurance policies MoneyGeek used for comparison have the same limits.