Non Owner Car Insurance Virginia

What is Non-Owner Car Insurance in Virginia?

Non-owner car insurance in Virginia is a type of insurance that offers limited coverage for drivers who don’t own a car. This insurance plan mainly protects you if you cause harm to others in an accident, covering their bodily injuries and property damage. However, it’s important to note that non-owner car insurance does not include comprehensive and collision coverage, which are typically part of full coverage insurance for car owners.

This type of insurance can be a good option for you if you often rent cars, borrow vehicles from friends, or want to avoid an increase in your insurance premium after a period without coverage. To help you understand the differences, the table below outlines what sets non-owner car insurance apart from full coverage insurance policies.

AspectNon-Owner Car InsuranceFull Coverage Insurance
CoverageLimited liability coverageComprehensive and collision coverage, in addition to liability coverage
Ownership of a VehicleFor those without a carFor car owners
Types of Events CoveredAccidents causing harm to others (bodily injuries and property damage)A wide range of events, including accidents, theft, and damage to your own car
Usage of the InsuranceIdeal for those who frequently rent or borrow carsSuitable for car owners who want comprehensive protection for their vehicle
Premium AdjustmentMay help avoid premium increase after a lapse in coveragePremiums may increase or decrease based on various factors, including driving history and claims
ConsiderationsLimited coverage, suitable for specific situationsComprehensive protection for car owners, covering various scenarios
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Understanding Non-Owner Car Insurance in Virginia

When you get non-owner car insurance in Virginia, it’s like having a basic safety net for when you borrow someone else’s car. This kind of insurance mainly gives you what’s called “liability coverage.” In Virginia, they usually talk about it as 25/50/20, which is just a way of saying you’re covered up to a certain amount if something happens while you’re driving.

Now, what’s important to know is that this kind of insurance doesn’t include some fancy extras like fixing the car you borrowed or getting help if it breaks down. That’s because this insurance is designed for situations when you’re driving someone else’s car, and it doesn’t focus on the specific car itself.

So, if there’s a situation where the car needs repairs after an accident, this insurance won’t step in. That’s where things like “collision” or “comprehensive” coverage come into play. They’re like the superheroes that swoop in to save the day when the car needs fixing.

But don’t worry, if you’re interested in adding some extra protection to your non-owner policy, you can ask about things like “uninsured/underinsured motorist protection” or “personal injury protection.” These are like optional power-ups you can consider adding to your basic insurance plan. Just remember to mention them when you’re getting your insurance quotes.

Considering Non-Owner Car Insurance in Virginia

Getting non-owner car insurance can be a wise choice if you often use other people’s cars, want to make sure you’re always protected, or don’t have a car of your own. It can also be helpful if your license has been suspended and you need to reinstate it. Let’s break down who can benefit from this type of insurance.

Who Should Think About Non-Owner Car Insurance?

1. Car Borrowers:

  • If you frequently drive cars that belong to others, non-owner auto insurance is a good fit for you. It covers liability, which means you’re financially protected if there’s an accident. Plus, it’s more budget-friendly compared to full coverage insurance.

2. Occasional Renters:

  • For those who only rent cars now and then, non-owner auto insurance is practical. It provides liability coverage for injuries or damage in case you’re at fault in an accident. This is often a cheaper option than getting a regular auto insurance policy, especially if you don’t own a car.

3. Drivers Between Cars:

  • If you don’t currently own a car or don’t plan to drive one in the near future, non-owner car insurance can be cost-effective. Having this type of insurance helps avoid higher rates that insurers may charge if there are gaps in your coverage. It also sets you up for potential savings when you’re ready to switch to a regular auto insurance plan.

4. License Reinstatement Seekers:

  • If your license was suspended or revoked, getting non-owner auto insurance and filing an SR-22 may be necessary to reinstate it. This type of policy, along with the required documentation, can serve as proof to regain your driving privileges.

One-Day Car Insurance Warning:

  • Be cautious of companies offering “one-day insurance,” as it could be a scam. If you only need insurance for a day or two, it’s recommended to get it directly from the rental car agency. There are safer options to obtain temporary auto insurance in Virginia.

How much does non-owner auto insurance cost in Virginia?

Non-owner auto insurance is generally more affordable in Virginia compared to full coverage car insurance. This is because insurance companies see people with non-owner policies as less risky, considering they have limited access to a vehicle.

On average in the United States, if you have a clean driving record and a good credit score, a full coverage insurance policy with limits of 100/300/100 (meaning $100,000 for injuries per accident, up to $300,000 per accident, and $100,000 for property damage) costs around $1,682 per year. In Virginia, the cost of full coverage car insurance is approximately $1,227 per year.

On the other hand, non-owner auto insurance is more budget-friendly, with an average cost of $353 per year in the U.S. and $297 in Virginia.

It’s important to note that individual rates can vary due to factors like your location in Virginia, your age, driving history, and other personal details. These factors play a role in determining the specific cost of non-owner auto insurance for each individual.

Which insurer offers the cheapest non-owner insurance rates in Virginia?

Looking for the most affordable non-owner insurance in Virginia? Auto-Owners is your top pick, offering the least expensive policy at just $122 per year. On the other end of the spectrum, American Family charges the highest rate in the state, coming in at $688 annually.

To make sure you get the best deal, experts suggest getting quotes from various insurance companies. Here’s a list of the cheapest non-owner insurance rates in Virginia:

  1. Auto-Owners: $122
  2. USAA: $141
  3. Geico: $175
  4. State Farm: $205
  5. Erie Insurance: $219

Keep in mind that USAA provides coverage exclusively to military members, veterans, and their families. Take the time to compare these options and find the most suitable and budget-friendly non-owner insurance policy for your needs.

Affordable Non-Owner SR-22 Car Insurance in Virginia

If you’ve had some driving issues in Virginia and need non-owner SR-22 insurance without breaking the bank, consider the following options:

  1. Auto-Owners: Pay only $21 each month.
  2. State Farm: They offer coverage for around $30 per month.
  3. USAA: If you’re a non-owner military member, USAA provides SR-22 insurance at approximately $32 monthly. However, it’s the third most budget-friendly choice.

Now, what’s SR-22, you ask? Well, if you’ve got a traffic offense like a DUI or an accident where you were at fault, you’re required to submit an SR-22 form through your insurance provider. This could lead to an increase in your monthly rates.

Here’s a cool fact: The least expensive SR-22 insurance for non-owners in Virginia is $38 less than the usual cost nationwide, which is $59 per month. So, it’s not only budget-friendly, but it’s also below the average price!

How to Get Non-Owner Car Insurance in Virginia

If you’re looking to get non-owner car insurance in Virginia, you’ll need to have a chat with an insurance agent either over the phone or in person. It’s important to know that not all insurance companies provide this type of insurance, and the ones that do won’t offer online quotes.

To make the purchase, you’ll be asked for your driver’s license number and a credit or debit card. It would be helpful if you also have a summary of your driving history, including any tickets, accidents, or license suspensions. This information ensures that you receive the most accurate insurance quote. In most cases, you’ll receive proof of insurance on the same day, and once your payment is processed, you’re good to go. While finding non-owner coverage might not be as simple as regular policies, there are specific insurance companies that offer this type of insurance in Virginia.

Here are some insurance companies in Virginia that provide Non-Owner Auto Insurance:

  1. Geico: Call (800) 207-7847
  2. State Farm: Call (800) 782-8332
  3. Nationwide: Call (877) 669-6877

Out of the ten largest insurance companies in the U.S., only three—State Farm, Geico, and Nationwide—offer non-owner policies across all 50 states. Geico even allows you to bundle a non-owner policy with homeowner’s or renter’s insurance for a discount. However, some big car insurance companies, such as Allstate and Liberty Mutual, don’t offer non-owner policies at all. Others, like Progressive, only provide coverage to their existing customers.


Which company offers the cheapest non-owner car insurance in Virginia?

For drivers with clean driving histories, Auto-Owners offers non-owner car insurance for $21 per month, making it the cheapest option in Virginia. Auto-Owners also provides the most affordable insurance policies to drivers with traffic violations at around the same price.

How much does non-owner car insurance cost in Virginia?

In Virginia, the average monthly cost of non-owner auto insurance is $37, slightly lower than the $43 national average. Although premiums are significantly influenced by location, other factors, such as your age, coverage level, driving history and the make and model of your car, play a significant role. Considering these elements is essential when selecting the optimal premium and coverage level for your insurance plan.

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