Cheapest and Best Non-Owner Car Insurance in Pennsylvania (2023)

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.

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.

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.

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.

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.

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.

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.

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.

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.