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

Enter your ZIP code to get started


Free. Simple. Secure.

Updated: May 20, 2024

Advertising & Editorial Disclosure

Non-owner car insurance is a type of insurance that provides liability coverage for drivers who don't own a car but occasionally drive borrowed or rented vehicles. It is helpful for drivers who frequently use car-sharing services, rent cars for travel or borrow vehicles from friends or family. Additionally, for drivers with severe violations like DUIs, obtaining non-owner car insurance can help reinstate their driver's license by meeting the state's insurance requirements.

In Washington, GEICO offers the cheapest and best overall non-owner car insurance policies. Meanwhile, State Farm provides the most affordable SR-22 non-owner insurance for drivers with traffic violations.

We covered Washington’s best non-owner insurers and the drivers who stand to benefit the most from these policies.

Why Trust MoneyGeek? MoneyGeek sourced Washington data from Quadrant Information Services and examined customer and claim satisfaction ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).

280Plans Analyzed
7Providers Compared

Cheapest Non-Owner Car Insurance in Washington

GEICO offers Washington’s cheapest non-owner car insurance policies for drivers with clean records. Meanwhile, State Farm is the most affordable provider for drivers with violations on their records.

  • Drivers with clean records: GEICO ($28 per month)
  • Drivers with violations: State Farm ($39 per month)

Note that drivers with a traffic offense on their records pay an average of $11 more monthly for non-owners insurance. Remember that insurance rates can vary based on individual circumstances, so we recommend comparing quotes from different providers to find your best premiums.

Cheapest Non-Owner Car Insurance With a Clean Driving Record in Washington

For non-owner car insurance in Washington, GEICO and State Farm stand out as the cheapest providers for drivers with clean records.

We recommend USAA for military community members due to its dedication to serving veterans and active-duty personnel. It offers the cheapest available average monthly rate of $23.

The average monthly rate of Washington’s cheapest companies is $32, well below the national monthly average of $43.

GEICOCheapest Annual Premium$333Cheapest Monthly Premium$28
State FarmCheapest Annual Premium$423Cheapest Monthly Premium$35
TravelersCheapest Annual Premium$493Cheapest Monthly Premium$41
FarmersCheapest Annual Premium$717Cheapest Monthly Premium$60
ProgressiveCheapest Annual Premium$724Cheapest Monthly Premium$60
NationwideCheapest Annual Premium$749Cheapest Monthly Premium$62
Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

carInsurance icon

In Washington, the minimum coverage requirements for car insurance, which also apply to non-owner car insurance, include the following limits:

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

It's important to note that minimum coverage insurance may not provide adequate protection for all drivers. It’s essential to determine your coverage needs before purchasing an insurance policy.

Cheapest Non-Owner SR-22 Car Insurance in Washington

Washington’s two cheapest companies for SR-22 car insurance for non-owners are:

Additionally, USAA offers SR-22 non-owner car insurance at a competitive rate of $33 monthly. However, this provider is only available for military community members.

Drivers with traffic offenses, such as an at-fault accident or a DUI, may need to file an SR-22 with the Washington Department of Motor Vehicles. These types of severe traffic offenses typically lead to an increase in rates. The average monthly cost of the cheapest policies for non-owner SR-22 car insurance in Washington is $40, which is relatively low compared to the national average of $59 monthly.

State FarmCheapest Annual Premium$473Cheapest Monthly Premium$39
GEICOCheapest Annual Premium$492Cheapest Monthly Premium$41
TravelersCheapest Annual Premium$654Cheapest Monthly Premium$54
FarmersCheapest Annual Premium$1,003Cheapest Monthly Premium$84
NationwideCheapest Annual Premium$1,037Cheapest Monthly Premium$86
ProgressiveCheapest Annual Premium$1,283Cheapest Monthly Premium$107
carAccident icon

An SR-22 is a form filed by your insurer to demonstrate that you have the necessary insurance coverage mandated by your state. It is not a specific type of insurance, despite the common references to “SR-22 car insurance.”

In Washington, drivers who require an SR-22 but do not own a vehicle can opt for non-owner car insurance. This type of insurance provides liability coverage when driving a borrowed or rented vehicle, ensuring compliance with Washington’s SR-22 requirements without owning a car.

What Is Non-Owner Car Insurance?

Non-owner car insurance is a policy for Washington drivers who do not own a vehicle but still require liability protection when driving. It provides liability coverage for bodily injury and property damage, protecting the policyholder if they cause an accident while driving a borrowed or rented vehicle. Non-owner car insurance is an affordable plan for drivers who want to meet the state's insurance requirements without owning a car.

The following table illustrates the coverage differences between a non-owner car insurance policy and a full coverage policy.

Policy Coverage
Full Coverage

Liability insurance

Medical payments

Personal injury protection

Uninsured/underinsured motorist

Rental car liability

Average Cost of Non-Owner Car Insurance in Washington

The average monthly cost of non-owner car insurance in Washington is $44. This rate is slightly higher than the national average monthly premium of $43.

Individual factors like age, vehicle make and model, driving history and coverage limits can more significantly impact your car insurance premiums than your location. When considering non-owner car insurance, comparing quotes from different insurers to find the best coverage for your situation is essential.

Non-Owner Car Insurance Cost Comparison: National vs. State

National Average Cost

Monthly Premium

Washington Average Cost

Monthly Premium

On average, non-owner car insurance in Washington is:$1 more

This is 2% more expensive.

Best Non-Owner Car Insurance in Washington

Washington’s top companies for non-owner car insurance are:

  • GEICO: MoneyGeek score of 70 out of 100 ($28 per month)
  • State Farm: MoneyGeek score of 65 out of 100 ($35 per month)
  • Travelers: MoneyGeek score of 63 out of 100 ($41 per month)

MoneyGeek evaluates car insurance providers based on company performance in different areas, including J.D. Power’s customer satisfaction scores, relative policy affordability and financial stability ratings from AM Best.

Explore the highlights of each company below to make an informed choice for non-owner car insurance in Washington.

Third Place

GEICO is our top choice for non-owner car insurance in Washington, offering affordable premiums and many discounts, lowering your costs even further. You can access cheaper rates by installing anti-theft systems, bundling policies and taking a defensive driving course.

The company earned a high financial stability rating from AM Best, providing peace of mind to consumers waiting for their claim payouts. However, GEICO receives more customer complaints on average than other insurers, meaning it may need to improve its customer service.

Read the full GEICO car insurance review.

MoneyGeek Top Pick
State Farm

State Farm is a leading provider of non-owner car insurance in Washington. With a reputation for exceptional customer service and a robust financial stability rating from AM Best, State Farm offers policyholders reliability and peace of mind. Its coverage options cater to individual needs, and its rates in Washington remain competitive.

On the downside, this provider doesn’t offer many standard coverage add-ons, such as accident forgiveness or deductible modification. Despite receiving few customer complaints, State Farm’s customer satisfaction scores are average compared to its competitors.

Read the full State Farm car insurance review.


Travelers is a trusted option for non-owner car insurance in Washington. Known for its extensive coverage options and discounts, Travelers offers flexibility to its policyholders. This insurer offers reasonable prices in Washington, but its competitors easily beat it in affordability.

Our research found that this provider received few consumer complaints but earned an average customer satisfaction score from J.D. Power. However, Travelers excels with valuable discount offerings, including unique deals for drivers with hybrid vehicles, loyalty rewards and homeowners’ discounts.

Read the full Travelers car insurance review.

Should You Get Non-Owner Car Insurance in Washington?

Non-owner car insurance in Washington can be valuable for drivers who do not own a car but still drive occasionally. This profile fits drivers who frequently borrow cars or drivers looking to reinstate their driver's licenses after totaling their cars. Non-owner car insurance provides coverage and peace of mind when traditional car insurance does not apply.

Below, we detail the drivers who may benefit most from a non-owner car insurance policy in Washington.

Who Should Consider Non-Owner Car Insurance?

    carColored icon

    Car borrowers

    Borrowing cars frequently? Non-owner car insurance in Washington provides liability protection and fills insurance gaps when borrowing vehicles from family or friends. A non-owner policy can reassure the vehicle’s owner when they let you drive it.

    ignition icon

    Occasional renters

    Occasional car renters benefit from non-owner car insurance in Washington. This liability-only coverage provides additional financial security in addition to insurance offered by your rental car company. These policies can give you peace of mind while you’re on the road traveling for vacation or work.

    seatbelt icon

    Drivers between cars

    Non-owner car insurance ensures continuous coverage if you’re transitioning between vehicles in Washington. These policies will protect you from financial liability and may lower your premiums once you’re ready to purchase standard car insurance again.

    driverLicense icon

    License reinstatement seekers

    Seeking to reinstate your license in Washington? Non-owner car insurance meets the state’s minimum insurance requirements and can help fulfill your SR-22 filing obligations, demonstrating your financial responsibility after a severe traffic offense.

insurance2 icon

Drivers should avoid providers who advertise “one-day insurance” in Washington. These policies are not legitimate insurance products in the state and are likely a scam.

If you have temporary car insurance needs in Washington, such as for a move or a road trip, we recommend purchasing rental car insurance directly from your car rental company. This practice will ensure bona fide coverage.

Frequently Asked Questions About Non-Owner Car Insurance in Washington

Shopping for non-owner car insurance policies can be confusing. Here are some of your frequently asked questions and our answers regarding non-owner car insurance in Washington.

Which company offers the cheapest non-owner car insurance in Washington?
Which companies offer non-owner car insurance with the best mix of quality and affordability in Washington?
How much does non-owner car insurance cost in Washington?

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.