Non-owner car insurance is for drivers who do not own a car but still require liability coverage. Examples of drivers who need non-owner car insurance in Pennsylvania include those who frequently rent cars or borrow vehicles from others. This policy can also help you reinstate your driver’s license after a severe violation like a DUI.
Travelers provides the best and cheapest non-owner car insurance in Pennsylvania when purchasing the minimum liability requirements. It’s also the ideal option for high-risk drivers who need non-owner car insurance.
Table of Contents



Cheapest Non-Owner Car Insurance in Pennsylvania
MoneyGeek’s analysis shows the following companies have the average cheapest non-owner car insurance in Pennsylvania:
- Drivers with clean records: Travelers ($23 per month)
- Drivers with an at-fault accident: Travelers ($29 per month)
We found that drivers involved in an at-fault accident pay around $6 more a month for a non-owner insurance policy from Travelers than drivers with a clean motor vehicle record.
Cheapest Non-Owner Car Insurance With a Clean Driving Record in Pennsylvania
The following companies are the most affordable in Pennsylvania for drivers with a clean driving history getting non-owner car insurance:
- Travelers: $23 per month
- Auto-Owners: $26 per month
Members of the military community should consider USAA. The company provides a non-owner policy at an average monthly cost of $27.
The average rates of the above cheapest companies for non-owner car insurance in Pennsylvania are much lower than the national average of $43 per month.
Compare Insurance Rates
Ensure you're getting the best rate for your insurance. Compare quotes from the top insurance companies.
The minimum auto insurance liability limits in Pennsylvania do apply to non-owner car insurance. These limits are:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
The minimum liability limits might not be the best option because they are low and may leave you financially responsible for a major loss. You should estimate how much coverage you need before finalizing a policy.
Cheapest Non-Owner SR-22 Car Insurance in Pennsylvania
You won’t need to find the cheapest non-owner insurance with an SR-22 in Pennsylvania because the state does not require an SR-22 filing. But, high-risk drivers may get the average cheapest non-owner car insurance in Pennsylvania with the following companies:
- Travelers: $29 per month
- Auto-Owners: $38 per month
USAA is another great option for a high-risk non-owner policy for drivers in the military community. It charges an average of $40 per month.
Even though SR-22 non-owner car insurance in Pennsylvania does not exist, drivers that are seen as high-risk do pay more. But the average rate of the most affordable insurers is $34, less than the national average of $59 per month.
SR-22 isn't a type of insurance policy. If a driver commits violations like DUI or driving without insurance or has multiple traffic violations, they may need to file an SR-22 form to show that they meet their state's minimum insurance requirements. Their insurer will file the SR-22 form for them.
But Pennsylvania doesn’t require high-risk drivers to file an SR-22, while most other states do.
What Is Non-Owner Car Insurance?
Purchasing a non-owner car insurance policy in Pennsylvania will provide liability coverage in an at-fault accident in a car you're driving but do not own. This policy covers the other driver and their passengers’ bodily injury and property damage.
A non-owner policy and full coverage car insurance differ in many ways based on coverage. Understand the difference by looking at the table below.
Policy Coverage | Full Coverage | Non-Owner |
---|---|---|
Liability insurance | ||
Medical payments | ||
Personal injury protection | ||
Uninsured/underinsured motorist | ||
Rental car liability | ||
Collision | ||
Comprehensive |
Average Cost of Non-Owner Car Insurance in Pennsylvania
MoneyGeek found that the average cost of non-owner car insurance in Pennsylvania is $41 per month, slightly lower than the average cost nationwide of $43 a month. Although your location impacts your premium, other factors like age and motor vehicle record have a greater impact.
Non-Owner Car Insurance Cost Comparison: National vs. State
Monthly Premium
$43Monthly Premium
$41This is 5% less expensive.
Best Non-Owner Car Insurance in Pennsylvania
The following companies provide the best non-owner car insurance in Pennsylvania:
- Travelers: MoneyGeek score of 83 out of 100 ($23 per month)
- Auto-Owners: MoneyGeek score of 80 out of 100 ($26 per month)
- GEICO: MoneyGeek score of 61 out of 100 ($42 per month)
Our rankings are based on analyzing factors like affordability, customer satisfaction ratings from J.D. Power and AM Best financial stability ratings.
MoneyGeek explains how these companies came out on top for non-owner car insurance below.

Travelers has an excellent score for customer satisfaction and receives fewer complaints than others for its service. It has the lowest-priced non-owner car insurance policy in Pennsylvania. The company may provide various discounts to help lower the cost of insurance, such as safe driving and paperless billing.
Read our full Travelers car insurance review.

Auto-Owners ranks very well for customer satisfaction and has the fewest complaints of the companies MoneyGeek reviewed. Auto-Owners offers an affordable rate for non-owner car insurance in Pennsylvania and may give safe drivers a discount and drivers that pay in full.
Read the Auto-Owners review to learn more about the company.

GEICO has a very good customer satisfaction rating, but it has a below-average affordability score in Pennsylvania for non-owner car insurance. Discounts you may get through GEICO include safe driving, military affiliation or working a specific type of job, such as for the federal government.
Read GEICO’s car insurance review to uncover what the company offers drivers.
Should You Get Non-Owner Car Insurance in Pennsylvania?
Non-owner car insurance can significantly help drivers who do not own a car but still need liability coverage. For instance, when they use rental cars or borrow vehicles from others. Drivers seeking to reinstate their driver's license can also buy a non-owner policy. We explain which types of drivers may benefit most from a non-owner policy below.
Who Should Consider Non-Owner Car Insurance?
Car borrowers
Those who borrow cars can have financial protection from liability costs in an at-fault accident by purchasing a non-owner policy. It could protect them from significant loss if they cause damage to someone else's vehicle or property while driving a borrowed car.
Frequent car renters
Opting for a non-owner policy can be cost-effective for those who rent cars, as rental insurance companies generally charge a high amount for liability coverage. But, a non-owner car insurance policy does not cover damage to the rental car, so they may want to pay for collision coverage with the rental company.
Drivers between cars
Those switching to a new car can avoid a gap in insurance coverage by purchasing a non-owner policy. A coverage gap may result in paying a higher premium.
License reinstatement seekers
Pennsylvania requires insurance coverage if you want to reinstate your license. A non-owner policy can fulfill that condition.
Be cautious when dealing with insurers offering "one-day insurance," as it may not be an actual product available in Pennsylvania and could be an insurance scam. Buying rental car coverage from the company is better if you want temporary car insurance.
Frequently Asked Questions About Non-Owner Car Insurance in Pennsylvania
You can look at the following answers to frequently asked questions to explore which insurers offer the best and cheapest non-owner auto insurance in Pennsylvania.
About Mark Fitzpatrick
