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

In Virginia, non-owner insurance costs an average of $358 per year. Of all the available insurers, GEICO quotes the cheapest average of $113 per year. Read on to learn how non-owner car insurance works in Virginia.

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Last Updated: 8/16/2022

Non-owner car insurance is best for those who don't own an automobile but frequently drive or need proof of insurance to get their license reinstated. It offers liability coverage and can cover third-party injuries and property damage if you are at fault in an accident.

Virginia's annual non-owner car insurance cost averages about $358 for those with a clean driving record and $659 for those with a serious driving violation, such as a DUI.

MoneyGeek analyzed quotes from various insurers to find cheap non-owner car insurance companies in Virginia.

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Cheapest Non-Owner Car Insurance Companies in Virginia

Virginia’s non-owner car insurance policies are less expensive than its standard car insurance policies, but you can still save money by shopping among insurance companies, as rates vary considerably from one insurer to another.

MoneyGeek’s study found that the following two companies offer the cheapest widely available non-owner car insurance in Virginia:

  • GEICO: $113 per year
  • Progressive: $255 per year

USAA also has a highly competitive average rate of $204 per year in Virginia, but its policies are only available to military families. In comparison, MetLife offers the most expensive quote in the state at $766 per year, on average.

For this study, MoneyGeek used the profile of a 40-year-old driver from Virginia purchasing a policy covering bodily injury liability of $50,000 per person and $100,000 per accident, with property damage liability of $50,000 per accident.

Cheapest Non-Owner Car Insurance Companies in Virginia

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $113
    $9
  • USAA
    $204
    $17
  • Progressive
    $255
    $21
  • Travelers
    $291
    $24
  • State Farm
    $306
    $26
  • Nationwide
    $570
    $48
  • MetLife
    $766
    $64
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How Much Is Non-Owner Car Insurance in Virginia?

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Virginia's annual non-owner car insurance costs about $358 per year. In contrast, a standard car insurance policy costs an average of $471 per year. This difference of $113 is just an average and can vary significantly based on other factors.

For instance, a major traffic violation like a DUI can raise your non-owner car insurance quote to $659 yearly on average, $301 more than you would typically pay with a clean driving record. In comparison, a standard car insurance policy for a driver with a DUI costs an average of $859 annually, which is $200 more.

Cheapest SR-22 Non-Owner Car Insurance Companies in Virginia

An SR-22 is a certificate that shows you meet the state’s minimum liability insurance requirements. However, to get your license reinstated in Virginia after a serious traffic violation like a DUI, you need an FR-44 certificate to show financial responsibility. Unlike an SR-22 in Virginia, FR-44 demands proof of twice the state’s minimum requirements. A non-owner SR-22 car insurance policy will be the most cost-effective option.

The cheapest widely available companies in Virginia for non-owner car insurance with a DUI on record are, on average:

  • GEICO: $254 per year
  • State Farm: $306 per year

MetLife is Virginia’s most expensive option for non-owner car insurance with a DUI, with its average annual rate of about $2,328.

Cheapest SR-22 Non-Owner Car Insurance Companies in Virginia

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $254
    $21
  • State Farm
    $306
    $26
  • Progressive
    $328
    $27
  • USAA
    $357
    $30
  • Travelers
    $472
    $39
  • Nationwide
    $570
    $48
  • MetLife
    $2,328
    $194
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What Is Non-Owner Car Insurance in Virginia?

Non-owner car insurance, otherwise known as non-owner liability insurance, is the best option for you if you don't own a car but need insurance for driving a rental or borrowed car. At the least, it must meet the state's minimum liability insurance coverage limits for bodily injury, property damage and any other coverages mandated by state law. In short, having non-owner car insurance is similar to having state-mandated liability car insurance if you drive a car without owning it.

Those buying a non-owner car insurance policy can also choose add-on coverages, such as uninsured and underinsured motorist coverage for added protection. However, you cannot include comprehensive and collision coverage (also known as full coverage) in a non-owner car insurance policy.

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To be exact, a non-owner car insurance policy in Virginia must meet the following minimum car insurance requirements:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident
  • $20,000 uninsured/underinsured motorist property damage coverage per accident

Who Should Get Non-Owner Car Insurance in Virginia?

Virginia’s insurance law doesn't mandate car insurance if you don’t own a vehicle. However, there can be several reasons for you to have a policy in your name, especially the following:

  • You need to get your license reinstated: If you’re convicted of a major driving violation like a DUI, your license may get suspended. The court may mandate filing an FR-44 in Virginia to prove financial responsibility and to reinstate your license. Since an FR-44 demands double the state minimum insurance requirements, it’s wiser to buy non-owner car insurance and save money.
  • You frequently rent cars or use car-sharing services: You may need rental car insurance, which can quickly become much more expensive than non-owner car insurance if you regularly rent vehicles. Or, if you drive a borrowed car and the owner’s policy doesn’t cover enough, a non-owner car insurance policy can offer extended coverage.
  • You temporarily don’t have a car but want to maintain insurance coverage to avoid a lapse: You sold your vehicle, but you want to wait a while before buying another one and, therefore, gave up your car insurance. This will cause an insurance lapse, encouraging insurers to consider you a high-risk driver and raise your rates. Non-owner car insurance can help you maintain your policy and qualify you for low rates for a standard policy in the future.

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

Not everyone driving a borrowed car needs non-owner car insurance. If you frequently drive a friend or family member’s car in Virginia, it’s best to have your name added to their insurance policy. You don't need a separate non-owner car insurance policy if they regularly permit you to drive their car. It isn't a requirement either if you rarely drive rental vehicles. For driving a rented vehicle for a vacation outside of Virginia once a year or so, rental car insurance should suffice.

How to Get Non-Owner Car Insurance in Virginia

All insurance companies listed below offer non-owner liability car insurance in Virginia. Some may only sell it to existing customers who are giving up their standard car insurance temporarily and looking for non-owner car insurance to avoid lapses. It’s also important to note that most insurers don’t offer online quotes for non-owner car insurance. For the most accurate quotes and to know about their specific terms of insurance, it’s best to call each insurer using the contact information below.

Contact Non-Owner Car Insurance Companies in Virginia
  • Company
    Contact Number
  • GEICO
    800-207-7847
  • USAA
    800-531-8722
  • Progressive
    888-671-4405
  • Travelers
    866-248-9970
  • State Farm
    800-782-8332
  • Nationwide
    877-669-6877
  • MetLife
    800-422-4272

Frequently Asked Questions About Virginia Non-Owner Car Insurance

The difference between non-owner car insurance and a standard insurance policy isn’t that hard to understand. Non-owner car insurance is the minimum liability insurance for someone driving a car that they don’t own. The following questions are common about non-owner car insurance in Virginia.

Methodology

MoneyGeek evaluated non-owner car insurance quotes from various insurers based on data from Quadrant Information Services. The quotes were calculated for a 40-year-old driver, both with a clean driving record and a DUI. All non-owner car insurance policies met state minimum car insurance requirements with the exception of liability insurance, which had 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

All standard car insurance policies used for comparison had the same limits.