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

In Washington, non-owner car insurance costs an average of $675 per year. GEICO offers the cheapest non-owner car insurance in Washington at roughly $319 annually. MoneyGeek’s guide can help you learn how non-owner liability car insurance works.

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Last Updated: 12/3/2021
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Drivers in Washington who frequently rent cars or use car-sharing services and those who need proof of insurance to get their license reinstated can purchase non-owner car insurance. A non-owner policy offers liability coverage if you are at fault in a car accident resulting in injuries or property damage.

If you have a clean driving record, you will pay an average of $675 per year for non-owner car insurance in Washington, while those with a violation on their records — like a DUI — will pay around $1,155 yearly.

MoneyGeek broke down the costs of non-owner liability car insurance in Washington and explained when you should and shouldn’t get this type of policy.

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Cheapest Non-Owner Car Insurance Companies in Washington

On average, non-owner policies cost less than traditional car insurance. However, comparing rates from different insurers can save you even more money.

On average, the cheapest widely available non-owner car insurance companies in Washington are:

  • GEICO: $319 per year
  • Progressive: $353 per year

USAA offers the most affordable rates in Washington for military members and their families at roughly $237 yearly. MetLife is the most expensive option for a non-owner car insurance policy in Washington at around $1,523 annually.

In this analysis, costs are for a 40-year-old driver with a non-owner car insurance policy in Washington with the limits detailed in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Washington

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $237
    $20
  • GEICO
    $319
    $27
  • Progressive
    $353
    $29
  • Travelers
    $444
    $37
  • State Farm
    $459
    $38
  • Farmers
    $1,387
    $116
  • MetLife
    $1,523
    $127
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How Much Is Non-Owner Car Insurance in Washington?

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The average cost of non-owner car insurance in Washington is $675 per year. Compared to traditional car insurance, which costs an annual average of $773, a non-owner policy is cheaper. However, your rates can increase if you have a serious violation on your record.

A driver with a DUI will pay an average of $1,155 each year for non-owner car insurance in Washington — $188 less than the average cost of traditional car insurance with the same violation.

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

A non-owner car insurance policy may be the most affordable option if you need to file SR-22 as proof of insurance for the state to reinstate your license. SR-22 insurance in Washington is typically required following serious violations, such as DUIs.

On average, MoneyGeek found that the cheapest widely available non-owner SR-22 car insurance companies in Washington for drivers with a DUI on record are:

  • Progressive: $452 per year
  • State Farm: $459 per year

MetLife, which costs around $3,272 yearly, is the most expensive option for non-owner SR-22 car insurance in Washington if you have a DUI.

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

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  • Company
    Annual Premium
    Monthly Premium
  • Progressive
    $452
    $38
  • State Farm
    $459
    $38
  • USAA
    $506
    $42
  • Travelers
    $592
    $49
  • GEICO
    $658
    $55
  • Farmers
    $2,144
    $179
  • MetLife
    $3,272
    $273
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What Is Non-Owner Car Insurance in Washington?

Non-owner car insurance, also called non-owner liability insurance, may be the best option if you do not own a car but need insurance. A non-owner policy includes the minimum liability insurance required by Washington insurance laws.

You can also choose to add other types of insurance, such as uninsured or underinsured motorist coverage. However, non-owner car insurance does not include comprehensive and collision insurance, also known as full coverage.

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MONEYGEEK EXPERT TIP

When buying non-owner car insurance in Washington, ensure that it meets the minimum coverage required by the state, including:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

Who Should Get Non-Owner Car Insurance in Washington?

If you do not own a car, non-owner car insurance could be ideal for you in the following circumstances:

  • Your license is suspended, and you need it reinstated: In Washington, proof of insurance is required before the state can reinstate your license. You can get a non-owner policy since it meets the state’s minimum liability requirements and is cheaper than traditional car insurance.
  • You rent or use car-sharing services frequently: A non-owner policy provides the liability coverage you need when driving a rental or a shared car. Since it is cheaper than a traditional policy, non-owner liability car insurance is an affordable way to get coverage when you do not own a car.
  • You do not want your insurance to lapse: If you temporarily do not have a car but want to maintain your insurance to avoid a lapse, a non-owner policy is a convenient option. It can save you money in the long run by ensuring your insurance company doesn’t increase your rates once you own a car again.

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

There are certain scenarios when a non-owner car insurance policy might not make sense for you. For example, if you drive a borrowed car from a friend or family member, you will be covered under their policy as long as you have their permission to use their vehicle.

Additionally, for drivers in Washington who only use rental cars a couple of times each year, getting rental insurance from the rental company should suffice and be more affordable.

How to Get Non-Owner Car Insurance in Washington

MoneyGeek confirmed that all the insurance companies listed on this page provide non-owner car insurance in Washington. However, you will need to call the insurer to get a quote since non-owner policy quotes are not available online. We listed the contact information for insurers in Washington that offer these types of policies below.

Contact Non-Owner Car Insurance Companies in Washington
  • Company
    Contact Number
  • USAA
    800-531-8722
  • GEICO
    800-207-7847
  • Progressive
    888-671-4405
  • Travelers
    866-248-9970
  • State Farm
    800-782-8332
  • Farmers
    888-327-6335
  • MetLife
    800-422-4272

Frequently Asked Questions About Washington Non-Owner Car Insurance

By understanding the answers to some frequently asked questions, you can learn more about how non-owner insurance in Washington differs from traditional insurance.

Methodology

MoneyGeek collected data on non-owner car insurance In Washington in collaboration with Quadrant Information Services. We compiled separate rates for a 40-year-old driver with a safe driving record and a DUI. Our sample policies had Washington minimum car insurance requirements, except for liability insurance.

These policies included limits of $50,000 in bodily injury liability per person, $100,000 in bodily injury liability per accident and $50,000 in property damage liability per accident. The data used for traditional car insurance policies had the same limits.