Non-Owner Car Insurance in Pennsylvania

Pennsylvania residents can save $40 monthly by choosing the right non-owner car insurance, with Westfield Insurance offering the cheapest non-owner policy at $33 compared to the priciest option. Six insurers provide non-owner coverage in the state, though not all major carriers offer this specialized protection. You'll need to call insurers directly for quotes since most don't have online tools available for non-owner policies, making it worth the extra effort to compare rates among available providers.

Non-owner insurance ranks among the more affordable types of car insurance because it's liability-only coverage that meets Pennsylvania's minimum requirements. This means you're covered for property damage or injuries you cause to others, but not damage to your own vehicle. Traditional policies cost more since they include higher liability limits plus comprehensive and collision coverage that protects your car.

Across six providers in Pennsylvania, non-owner car insurance rates average $60 per month, which is notably lower than the state average of $93 monthly or $1,117 annually. This difference shows there's real value in comparing quotes, since rates vary based on market data and your individual situation.

Several factors affect non-owner car insurance rates in Pennsylvania, though your personal characteristics and choices matter more than state laws.

• Choice of insurer: Rates vary between companies. Westfield Insurance offers coverage for just $33 per month, while State Farm charges $73 monthly for similar protection. Shopping around can save you significant money.
• Driver age and experience: Seniors get the best deals on non-owner policies, paying around $73 monthly. Young drivers pay $86 per month and adults pay $85, showing that experience helps lower costs across all insurance types.
• Driving history: Your record directly impacts what you'll pay. Drivers with accidents see their monthly costs jump to $97, while those with a DUI face steep rates of $145 per month. Clean records keep premiums affordable.
• Coverage limits: Choosing higher liability limits increases your monthly cost from $93 for minimum coverage to $134 for full coverage. The extra protection costs about $41 more per month but provides better financial security.

If you're someone who rents cars regularly, borrows vehicles from friends, or needs to file an SR-22 without owning a car, non-owner insurance might be what you need. This type of policy provides liability coverage for drivers who don't own vehicles but still need protection on Pennsylvania roads. The coverage meets the state's minimum liability requirements of $15,000 for injury per person, $30,000 for total injuries, and $5,000 for property damage.

What non-owner insurance doesn't cover is damage to the actual vehicle you're driving. The policy focuses on liability protection, covering injuries and property damage you cause to others in an accident. When you borrow someone's car, your non-owner policy kicks in to provide liability coverage. For rental cars, the insurance may offer liability protection, though rental companies present you with additional coverage options at the counter.

Non-owner car insurance is legally recognized in Pennsylvania. It's legitimate liability coverage that meets the state's financial responsibility requirements for drivers without vehicles and can fulfill SR-22 requirements for those needing proof of insurance. You might have trouble finding it since non-owner policies are less common among insurers, but it's completely legal in the state.

You'll need to call insurance companies directly or work with an agent to get non-owner coverage. Online quotes aren't available due to the specialized nature of these policies, so you won't see this option on insurer websites. MoneyGeek found average rates and phone numbers for insurers who offer policies in Pennsylvania.

Non-owner insurance helps drivers who don't own vehicles but frequently borrow or rent cars, need continuous coverage, or must meet license reinstatement requirements.

• Regular car rentals: Rental companies charge $15 to $30 daily for liability coverage. If you rent cars regularly, a non-owner policy saves money after just two rental days while providing consistent protection across every rental.
• Frequent vehicle borrowing: When you regularly drive friends' or family members' cars, non-owner insurance protects everyone involved. The car owner's policy covers accidents you cause, but their rates increase. Your non-owner coverage pays claims first, keeping their premiums stable.
• License reinstatement: Pennsylvania requires proof of insurance to reinstate suspended licenses. A non-owner policy meets this requirement even when you don't own a vehicle, helping you regain driving privileges.
• Maintaining continuous coverage: Planning to buy a car eventually? Coverage gaps can increase your future premiums. A non-owner policy keeps your insurance history clean and prevents rate increases when you're ready to purchase a vehicle.

A non-owner policy isn't appropriate for those who:

• Own a vehicle (standard auto insurance is required instead)
• Drive infrequently (occasional trips don't justify the monthly cost)
• Have access to household vehicle insurance (get added to that existing policy)
• Need coverage for just one trip (rental company insurance works better for single-use situations)

Here are answers to common questions about non-owner insurance in Pennsylvania:

MoneyGeek gathered Pennsylvania auto insurance rates from the Pennsylvania Insurance Department and Quadrant Information Services. We analyzed 240 car insurance quotes from six providers and determined the state's most affordable and best options.

Coverage Levels

We evaluated non-owner car insurance rates from companies in Pennsylvania at minimum coverage levels. Pennsylvania's minimum coverage requires:

• $15,000 for bodily injury liability per person
• $30,000 for bodily injury liability per accident
• $5,000 for property damage liability per accident

Drivers and Cars in Pennsylvania

We used a standardized driver profile having these characteristics to identify the most affordable and best companies for non-owner car insurance in Pennsylvania:

• 40-year-old male
• Clean driving record
• Good credit history

Learn more about MoneyGeek's car insurance methodology.