Auto Insurance
Non-OwnerCar InsuranceVirginiaCheapest and Best Non-Owner Car Insurance in Virginia (2023)
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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.
Non-OwnerCar InsuranceVirginiaTable of Contents
Cheapest With a Clean Record - Auto-Owners Insurance
Cheapest With an Offense - Auto-Owners Insurance
Best Overall - Auto-Owners Insurance
Cheapest Non-Owner Car Insurance in Virginia
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.
Cheapest Non-Owner Car Insurance With a Clean Driving Record in Virginia
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.
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VIRGINIA MINIMUM INSURANCE REQUIREMENTS
Non-owner car insurance must meet Virginia's minimum car insurance requirements. These include the following:
- $30,000 in property damage liability
- $60,000 in personal injury protection
- $20,000 in property damage liability per accident
- $30,000 in uninsured/underinsured motorist insurance per person
- $60,000 in uninsured/underinsured motorist insurance per accident
Although these are the legally required minimums, they may not be adequate for all drivers. We recommend assessing your coverage needs before purchasing an insurance policy.
Cheapest Non-Owner SR-22 Car Insurance in Virginia
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.
WHAT IS SR-22 INSURANCE?
Despite being referred to as "SR-22 auto insurance," it is not an actual type of policy. Instead, it is a form that serves as proof of the driver's compliance with the state's mandatory insurance coverage requirements, which their insurance company submits. Those who have committed traffic infractions or been at fault in accidents are often required to have SR-22 insurance in Virginia.
What Is Non-Owner Car Insurance?
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.
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 Virginia
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.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43Virginia Average Cost
Monthly Premium
$37On average, non-owner car insurance in Virginia is:$6 saved
This is 14% less expensive.
Best Non-Owner Car Insurance in Virginia
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.
Auto-Owners Insurance
Auto-Owners is our pick for Virginia's best non-owner auto insurance provider due to its highly competitive rates and good customer service. This provider also offers various discounts that can help reduce your overall insurance expenses.
With Auto-Owners, policyholders can qualify for bundling, multiple vehicles and safe driving discounts. Young drivers can also get their premiums reduced if they maintain a good GPA. In addition, those with anti-theft devices in their vehicles are eligible for additional savings.
Travelers
Travelers is known for its exceptional customer satisfaction ratings, solid financial strength and relatively affordable premiums, setting it apart from its competitors. However, in terms of claims handling, it may not perform as well as some other insurers.
Travelers offers discounts for bundling policies, insuring multiple vehicles, paperless billing, paying in full and safe driving. This insurer also provides some unique opportunities for savings, including discounts for homeowners, hybrid car drivers, loyal customers, those insuring new vehicles and employees of affinity organizations.
State Farm
State Farm is highly regarded in Virginia for its excellent customer service, affordability and financial stability.
State Farm offers a variety of discounts to help customers save on their premiums. These include savings for bundling policies, insuring multiple cars, maintaining a safe driving record and completing defensive driving lessons. Additionally, senior drivers and students with GPAs may be eligible for discounts. Owners of new vehicles and cars equipped with safety features, such as anti-lock brakes and anti-theft systems, can also enjoy savings. Furthermore, having a car with factory-installed daytime running lights may qualify you for discounted rates.
Should You Get Non-Owner Car Insurance in Virginia?
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.
Who Should Consider Non-Owner Car Insurance?
Car borrowers
Non-owner auto insurance is ideal for individuals who regularly drive cars owned by others. It provides liability insurance, offering financial security in case of an accident. Compared to full coverage insurance policies, non-owner insurance is significantly more cost-effective.
Occasional renters
Non-owner auto insurance is practical for individuals who occasionally rent cars. Your insurance policy will provide liability coverage for bodily injuries or property damage resulting from an at-fault accident. This option is often cheaper than buying a standard auto insurance policy, especially for those who do not own a vehicle.
Drivers between cars
Insurers typically increase rates for individuals with gaps in their insurance coverage. Buying non-owner car insurance can be cost-effective for those who no longer own a vehicle or do not intend to drive one in the near future. You can save money when you're ready to buy another regular auto insurance plan by already having a non-owner car insurance policy.
License reinstatement seekers
If you are looking to reinstate your license after a suspension or revocation, you may be required to buy non-owner auto insurance and file an SR-22. By purchasing a non-owner policy and submitting the required documentation, you can provide the evidence needed to regain your driving privileges.
ONE-DAY CAR INSURANCE
Watch out for companies who promote "one-day insurance," as this is probably a scam rather than a genuine insurance policy. If you only need insurance for a day or two, we advise purchasing it from the rental car agency. Besides, there are several safer ways to obtain temporary auto insurance in Virginia.
Frequently Asked Questions About Non-Owner Car Insurance in Virginia
The following are some frequently asked questions and answers about Virginia's non-owner auto insurance.
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