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

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.

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.

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

• GEICO: $28 per month
• State Farm: $35 per month

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.

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

• State Farm: $39 per month
• GEICO: $41 per month

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.

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.

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.

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.

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.

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.