Travelers is Pennsylvania's cheapest non-owner car insurance provider at just $23 monthly — less than the state average of $41. Explore the table below to compare other budget-friendly options.
Cheapest Non-Owner Car Insurance in Pennsylvania
Updated: January 31, 2025
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Best Cheap Non-Owner Car Insurance in Pennsylvania: Key Takeaways
Travelers is Pennsylvania's cheapest non-owner car insurance provider, with an average monthly cost of $23.
This type of insurance covers you when driving a car that isn't yours, as long as you meet the state's minimum coverage requirements.
Consider non-owner insurance if you frequently borrow or rent cars or need to reinstate your license without a traditional policy.
Cheapest Non-Owner Car Insurance in Pennsylvania
| Travelers | $276 | $23 |
| Auto-Owners | $310 | $26 |
| GEICO | $503 | $42 |
| Progressive | $721 | $60 |
| Nationwide | $818 | $68 |
How Much Is Non-Owner Car Insurance in Pennsylvania?
Pennsylvania's average monthly non-owner car insurance cost is $41, slightly less than the national average of $43. Your premium can vary based on your driving history.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Pennsylvania Average Cost
Monthly Premium
$41Non-owner car insurance in Pennsylvania is average:$2 saved
This is 5% less expensive.
Pennsylvania Non-Owner Car Insurance: Buyer's Guide
Our guide helps drivers determine if non-owner insurance suits their needs by explaining what it covers, how it differs from standard policies, its cost and who benefits most.
What Is Non-Owner Car Insurance?
If you drive often but don’t own a car, non-owner insurance is for you. It covers costs if you're at fault in an accident, protecting others' property and health. We've compared non-owner policies to standard ones to help you see the benefits.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Pennsylvania Allow Non-Owner Car Insurance?
Pennsylvania allows drivers to get non-owner insurance, covering those who drive but don’t own a car while meeting state minimum requirements.
PENNSYLVANIA MINIMUM INSURANCE REQUIREMENTS
Pennsylvania's minimum coverage requirements apply to non-owner car insurance, with limits including:
- $15,000 in bodily injury liability per person
- $30,000 in bodily injury liability per accident
- $5,000 in property damage liability per accident
- $5,000 medical payments coverage
Sometimes, minimum coverage might not fully protect you. Consider how much coverage you need before purchasing a policy to ensure you're adequately covered.
Should You Get Non-Owner Car Insurance in Pennsylvania?
Non-owner insurance is ideal for those renting cars or borrowing a friend's vehicle. It provides affordable protection, covering you — not the car — and meets minimum coverage requirements. Ideal for city dwellers who drive occasionally, it offers peace of mind without the cost of owning a car.
AVOID ONE-DAY CAR INSURANCE
Be cautious of "one-day insurance" offers in Pennsylvania, as they may be fraudulent. For temporary coverage during activities like moving or road trips, opt for insurance through a car rental company instead.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
Non-owner insurance covers damage or injuries drivers may cause while driving a friend's or family member's vehicle.
Occasional renters
Occasional renters without a personal auto policy can use non-owner insurance to cover liability beyond the rental company's basic coverage.
Drivers between cars
Drivers without a vehicle can maintain continuous coverage with a non-owner policy, helping prevent future premium increases.
License reinstatement-seekers
Drivers reinstating a suspended license may need to prove financial responsibility. Non-owner insurance fulfills this requirement without requiring car ownership.
Cheap Non-Owner Car Insurance in Pennsylvania: Bottom Line
Pennsylvania provides non-owner insurance for drivers who don't own a car. Travelers offers the most affordable option, followed by Auto-Owners and GEICO. To get the best deal, compare quotes from multiple providers.
Non-Owner Car Insurance in Pennsylvania: FAQ
Find answers to common questions about non-owner car insurance in Pennsylvania.
Which company offers the cheapest non-owner car insurance in Pennsylvania?
Travelers offers Pennsylvania's most affordable non-owner car insurance at $23 per month.
How much does non-owners car insurance cost in Pennsylvania?
Non-owner car insurance in Pennsylvania costs around $492 annually or $41 monthly.
Pennsylvania Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Pennsylvania auto insurance rates by collecting data from the Pennsylvania Insurance Department and Quadrant Information Services. We examined 240 car insurance quotes from five providers to identify the state's best and most affordable options.
Coverage Levels
We compared non-owner car insurance rates from companies in Pennsylvania using minimum coverage policies. The state-required minimum coverage includes:
- $15,000 in bodily injury liability per person
- $30,000 in bodily injury liability per accident
- $5,000 in property damage liability per accident
- $5,000 medical payments coverage
Drivers and Cars in Pennsylvania
To find the best and most affordable companies for non-owner car insurance in Pennsylvania, we used a sample driver profile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit history
- 12,000 miles driven annually
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.