Non Owner Car Insurance in Virginia: Everything You Need to Know

If you don’t own a car but drive borrowed vehicles regularly, non owner car insurance can provide liability protection in Virginia. This type of coverage is also an affordable way to maintain continuous auto insurance if you sell your car or have a lapse in coverage.

Below you’ll find a comprehensive guide on non owner car insurance in Virginia including who needs it, what it covers, how to get it, and how much it costs.

Who Needs Non Owner Car Insurance in Virginia?

You may want to consider a non owner auto insurance policy in Virginia if:

  • You sold your car or no longer own a vehicle. Non owner insurance lets you avoid gaps in coverage that could raise rates when you buy a car later.

  • You regularly drive borrowed cars. Non owner insurance can provide liability protection above and beyond the car owner’s policy.

  • You need to file an SR-22 or FR-44. These forms prove you have insurance, even if you don’t own a car.

  • You rent cars frequently. Non owner insurance can be cheaper than paying for liability coverage from the rental company.

  • You’re required to have insurance but can’t afford traditional coverage. Minimum liability policies are more affordable.

  • You have teenage drivers in your household. Provides them with cheap coverage when borrowing vehicles.

What Does Non Owner Car Insurance Cover in Virginia?

Non owner car insurance policies provide liability coverage to protect you if you cause an accident while driving a borrowed car.

Virginia requires minimum liability limits of:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $20,000 property damage

With non owner insurance, the liability coverage protects other parties. It does NOT cover:

  • Damage to the borrowed vehicle you are driving
  • Your medical bills
  • Injuries to passengers in your car

You can purchase higher liability limits for more protection. But other coverage like collision, comprehensive, and uninsured motorist is typically not available with Virginia non owner policies.

How to Get Non Owner Car Insurance in Virginia

Purchasing non owner car insurance in Virginia involves the following steps:

  • Determine eligibility. Confirm you don’t own a car and have a valid Virginia driver’s license.

  • Compare quotes. Get rate estimates from insurers like Geico, State Farm, and Allstate. Rates vary significantly.

  • Provide information. Be ready to give personal details like your driver’s license, Social Security, and driving history.

  • Choose a policy. Select liability limits and any extra coverage like PIP or MedPay.

  • Make a payment. Provide a credit/debit card to pay your premium and bind coverage.

  • Obtain proof of insurance. Your insurer will provide ID cards and other documentation showing you have active coverage.

You can’t get quotes or buy non owner policies online. You’ll have to speak with an agent over the phone or in person to finalize the policy.

Top Companies for Non Owner Insurance in Virginia

Here are some top insurers in Virginia that offer non owner car insurance policies:

  • Geico: Geico provides some of the lowest rates and discounts for bundling home or renters coverage. Quotes available by phone only.

  • State Farm: The largest auto insurer in Virginia offers broad availability of non owner policies. Must be an existing customer.

  • Allstate: Allstate writes affordable non owner insurance for Virginia drivers who don’t own a car.

  • Farm Bureau: Excellent option for rural Virginia drivers needing minimum liability protection.

  • The General: Caters to high-risk drivers including those needing SR-22 filings.

  • Progressive: One of the few insurers offering online quotes for non owners through independent agents.

Compare quotes from at least three of these providers to find the best rates. Independent agents can also help you shop multiple companies.

Average Cost of Non Owner Car Insurance in Virginia

The average annual cost for a minimum non owner liability policy in Virginia is around $300. However, your personal profile and driving record heavily impact your rate:

Driver Profile Average Yearly Rate
Teenager $850
Young driver with speeding ticket $540
Middle-aged driver with DUI $950
Senior with excellent driving history $220

Getting quotes from multiple insurers is the best way to find affordable non owner rates tailored to your situation. Comparing prices from at least three companies can save you hundreds per year.

The Bottom Line on Non Owner Insurance in Virginia

Drivers in Virginia who don’t own a car but regularly operate borrowed vehicles should strongly consider a non owner auto insurance policy. It provides inexpensive liability protection and prevents gaps in your insurance history if you sell your car.

Just make sure to compare rates from national and local insurance providers to find the best value for your profile. With a little shopping around, non owner coverage can be a smart investment in protecting your finances and driving privileges when you get behind the wheel of a borrowed car.

5 reasons you need a Non-Owner’s Insurance Policy


Can I insure a car I dont own in Virginia?

Non-owner car insurance is a form of liability coverage that protects you if you get into an accident while driving someone else’s car. In Virginia, non-owner insurance can pay for injuries and property damage that you cause others, but it won’t pay for damage to the borrowed car or your medical expenses.

What is a non owned vehicle insurance?

If you drive regularly but don’t own a car, a non-owner insurance policy provides liability coverage for bodily injury and property damage, meaning that it will cover you if you’re liable for damages or injuries in an accident.

Do I need insurance to drive someone else’s car in Virginia?

Under Virginia law, the key to answering these questions is permission. If a driver borrowing a car has the permission of the owner, then the owner’s insurance will provide coverage.

What is a non owner SR-22 policy in Virginia?

A Virginia Non-Owners SR-22 Policy is a type of insurance for individuals who don’t own a vehicle but need to fulfill the state’s SR-22 requirement. It provides liability coverage when driving a car that is not owned by the insured person.

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