Cheapest and Best Non-Owner Car Insurance in Virginia (2024)

Non-owner auto insurance in Virginia refers to liability coverage intended for individuals who don't own a vehicle yet need insurance while driving. It may be useful if you often use borrowed or rented cars or if you want to continue being insured. Having a non-owner policy can help those with driving violations reinstate their licenses.

MoneyGeek found that Auto-Owners offers the best and most affordable non-owner auto insurance in Virginia for excellent customer service at a reasonable price. The company's non-owner auto insurance in Virginia is also the cheapest available to drivers with traffic violations.

Auto-Owners is the cheapest non-owner car insurance carrier in Virginia for drivers with spotless records and those with driving offenses:

• Drivers with clean records: Auto-Owners ($21 per month)
• Drivers with violations: Auto-Owners ($21 per month)

Insurance rates in Virginia may be higher for individuals who don't own a car or have a traffic offense on their record. While the cheapest policy for a driver with violations may cost the same as that for a safe driver on average, it's important to note that actual rates can vary significantly among different insurance providers. Each insurance company has its own underwriting criteria and considers various factors when determining premiums.

In Virginia, the following companies offer the cheapest non-owner car insurance for drivers with clean records:

• Auto-Owners: $21 per month
• State Farm: $26 per month

USAA is an inexpensive option for non-owner auto insurance in Virginia, with rates averaging $21 per month. However, coverage from this provider is exclusively available to retired and active military personnel and their families.

In Virginia, non-owner car insurance policies have an average monthly cost of $37, which is $6 cheaper than the national average cost of $43 per month.

The following providers offer the most affordable non-owner SR-22 insurance in Virginia for drivers with violations:

• Auto-Owners: $21 per month
• State Farm: $30 per month

USAA offers SR-22 insurance for around $32 per month to non-owner military members in the state, but it is only the third cheapest option.

If you have a traffic offense on your record, such as a DUI or an accident where you were at fault, you must submit an SR-22 form through your insurance provider. Your rates could rise significantly as a result.

That said, the cheapest SR-22 insurance policy for non-owners in Virginia is $38 less expensive than the national average of $59 per month.

Non-owner auto insurance in Virginia provides limited liability coverage for drivers who do not own vehicles. This type of plan typically covers bodily injuries and property damage caused to others in an accident, but it does not include comprehensive and collision coverage.

This type of insurance may be a good choice if you frequently rent vehicles, borrow cars from friends or wish to avoid a premium increase following a lapse in coverage. The table below outlines the differences between non-owner and full coverage insurance policies.

In Virginia, the average cost of non-owner auto insurance is $37 per month, which is slightly lower than the national average of $43 per month. However, the cost of car insurance can vary based on your age, the amount of coverage you choose, your driving record and the make and model of your vehicle. These elements can have a more significant impact on your rates than your location alone.

The best non-owner auto insurance companies in Virginia are:

• Auto-Owners: MoneyGeek score 81 out of 100 ($21 per month)
• Travelers: MoneyGeek score 76 out of 100 ($31 per month)
• State Farm: MoneyGeek score 73 out of 100 ($26 per month)

We ranked insurance companies based on their affordability, customer service information from J.D. Power and financial stability ratings from AM Best. Read our reviews of each provider to help you decide which is the best fit for your needs.

Acquiring a non-owner insurance policy is smart if you borrow cars from others, want to ensure you're always covered or don't have your own vehicle. Additionally, possessing a non-owner plan can help you reinstate your revoked or suspended license. This form of insurance is particularly beneficial for the following types of drivers.

The following are some frequently asked questions and answers about Virginia's non-owner auto insurance.