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

Non-owner car insurance in Pennsylvania costs $790 per year on average. MoneyGeek compared quotes between insurers and found that GEICO is the state’s cheapest non-owner car insurance provider with an average cost of $181 per year. MoneyGeek’s guide shares information regarding the cost and how non-owner car insurance works in Pennsylvania.

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Last Updated: 12/3/2021
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If you’re looking for an affordable way to show proof of insurance to get your driver’s license reinstated, you often rent cars or you use car-sharing services in Pennsylvania, non-owner car insurance is a good option.

In Pennsylvania, drivers with clean driving records pay an average of $790 per year for a non-owner car insurance policy. Meanwhile, drivers with a serious driving violation, such as a DUI, pay an average of $1,386 annually for the same policy.

MoneyGeek details which types of drivers should and shouldn’t get non-owner car insurance in Pennsylvania. We also researched the costs of policies from various insurers.

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Cheapest Non-Owner Car Insurance Companies in Pennsylvania

In Pennsylvania, non-owner car insurance is cheaper than a traditional auto insurance policy. You can save more money if you take the time to compare quotes between insurers.

MoneyGeek’s research shows that, on average, the following insurers offer the cheapest non-owner car insurance in Pennsylvania:

  • GEICO: $181 per year
  • Travelers: $371 per year

USAA is the second most affordable insurer in the state but is only available to members of the military and their families. These policies cost an average of $261 annually.

MetLife is the most expensive non-owner car insurance provider in Pennsylvania, with an average annual cost of $1,707.

The table shows rates for non-owner car insurance policies in Pennsylvania for a 40-year-old driver with limits detailed in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Pennsylvania

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $181
    $15
  • USAA
    $261
    $22
  • Travelers
    $371
    $31
  • Progressive
    $909
    $76
  • Nationwide
    $1,051
    $88
  • MetLife
    $1,707
    $142
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How Much Is Non-Owner Car Insurance in Pennsylvania?

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Auto insurance companies offer varying rates for non-owner car insurance in Pennsylvania. On average, these policies cost $790 yearly. Compared to the average rate of traditional policies, which cost $1,093, this is roughly $303 lower.

Your driving record can also affect the cost of non-drivers insurance in Pennsylvania. A serious traffic violation, such as a DUI, makes a standard policy cost roughly $1,933 annually, while you pay an average of $1,386 per year for a non-owner policy if you have a DUI.

Cheapest DUI Non-Owner Car Insurance Companies in Pennsylvania

If you have serious driving violations on your driving record or require insurance even if you don’t own a car, purchasing non-owner car insurance in Pennsylvania is an affordable option.

On average, MoneyGeek found that the providers with cheap non-owner car insurance for drivers with DUIs in Pennsylvania are:

  • GEICO: $516 per year
  • Travelers: $723 per year

USAA is the cheapest option for those who come from a military background. Their policy costs an average of $337 annually.

In comparison, MetLife’s non-owner car insurance policy is most expensive at $5,004 per year on average.

Cheapest DUI Non-Owner Car Insurance Companies in Pennsylvania

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $337
    $28
  • GEICO
    $516
    $43
  • Travelers
    $723
    $60
  • Progressive
    $1,006
    $84
  • Nationwide
    $1,058
    $88
  • MetLife
    $5,004
    $417
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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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What Is Non-Owner Car Insurance in Pennsylvania?

Non-owner car insurance is an excellent option for drivers who need coverage but don’t own a car. In Pennsylvania, it’s also called non-owner liability insurance. It includes all coverages that are part of the state’s minimum insurance requirement.

You can choose to get more protection by adding uninsured or underinsured motorist insurance. However, non-owner insurance in Pennsylvania does not include comprehensive and collision coverage, also known as full coverage insurance.

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If you purchase non-owner car insurance in Pennsylvania, you need to make sure it meets the minimum car insurance requirements of the state, including:

  • $15,000 for bodily injury per person
  • $30,000 for bodily injury per accident
  • $5,000 for property damage
  • $5,000 for medical benefits

Who Should Get Non-Owner Car Insurance in Pennsylvania?

In Pennsylvania, non-owner car insurance benefits some driver types more than others. If you fit any of these profiles, a non-owner insurance policy is worth considering.

  • You use car-sharing services or drive a rental car regularly. If you don’t own a car and instead rent cars or use car-sharing services, paying for a traditional auto insurance policy might not be ideal. A more cost-effective solution is to buy non-owner car insurance in Pennsylvania instead. This can also be more affordable than buying rental car insurance if you frequently rent cars.
  • You need to show proof of insurance to get your license reinstated. You need to show proof of insurance to have your license reinstated after committing a serious traffic violation. Purchasing non-drivers insurance in Pennsylvania is an affordable way to do this.
  • You don’t have a car but want to avoid a coverage lapse. If you previously had an insurance policy and then let it lapse, it causes your rate to increase significantly. If you don’t have a car, even temporarily, but would like to avoid a coverage lapse so your rates don’t go up in the future, buying non-owner car insurance in Pennsylvania is a cheaper option.

Who Shouldn’t Get Non-Owner Car Insurance in Pennsylvania?

There are some instances when buying non-owner car insurance in Pennsylvania is not the best choice. If you live in Philadelphia and your friend allows you to drive their vehicle, their policy covers you if you cause an accident.

Another example is if you rarely rent a car. If you only rent a car once or twice a year, buying insurance from your rental company will suffice and be more cost-effective.

How to Get Non-Owner Car Insurance in Pennsylvania

All the companies included in MoneyGeek’s analysis offer non-owner car insurance in Pennsylvania. Although it’s typically easier to get quotes online, most providers will not offer this for non-owner car insurance. If you want to get an estimate, it’s best to call car insurance companies directly. You can use the contact information MoneyGeek provided below.

Contact Non-Owner Car Insurance Companies in Pennsylvania
  • Company
    Contact Number
  • GEICO
    800-207-7847
  • USAA
    800-531-8722
  • Travelers
    866-248-9970
  • Progressive
    888-671-4405
  • Nationwide
    877-669-6877
  • MetLife
    800-422-4272

Frequently Asked Questions About Pennsylvania Non-Owner Car Insurance

Most people think non-owner car insurance is the same as a traditional policy, but it’s not. To help you avoid confusion, here are some questions drivers frequently ask about non-owner car insurance in Pennsylvania.

Methodology

MoneyGeek, in collaboration with Quadrant Information Services, gathered non-owner car insurance rates from insurers in Pennsylvania. Policies were for 40-year-old drivers with clean records and DUIs. They also met Pennsylvania’s minimum car insurance requirements, except for its liability insurance. These policy limits included:

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

MoneyGeek also collected data on standard car insurance policies with the same coverages.