Auto-Owners offers the cheapest non-owner car insurance in Virginia at just $21 a month, less than the state average of $37. The table below compares other affordable policies.
Cheapest Non-Owner Car Insurance in Virginia
Updated: February 3, 2025
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Best Cheap Non-Owner Car Insurance in Virginia: Key Takeaways
Auto-Owners offers the cheapest non-owner SR-22 car insurance in Virginia for those with a driving incident, with an average monthly cost of $21.
Non-owner insurance covers you when driving a vehicle you don't own, as long as you meet the state's minimum coverage requirements.
Consider non-owner insurance if you often borrow or rent cars or need to reinstate your license without a traditional policy.
Cheapest Non-Owner Car Insurance in Virginia
| Auto-Owners | $250 | $21 |
| State Farm | $314 | $26 |
| Travelers | $376 | $31 |
| GEICO | $393 | $33 |
| Nationwide | $527 | $44 |
| Progressive | $664 | $55 |
| Kemper | $784 | $65 |
Cheapest Non-Owner SR-22 Car Insurance in Virginia
Auto-Owners has the most affordable SR-22 non-owner policy in Virginia at just $21 monthly — far below the state average of $53 for minimum coverage. The table below compares other SR-22 providers.
| Auto-Owners | $250 | $21 |
| State Farm | $355 | $30 |
| Travelers | $519 | $43 |
| GEICO | $564 | $47 |
| Nationwide | $633 | $53 |
| Progressive | $984 | $82 |
| Kemper | $1,143 | $95 |
How Much Is Non-Owner Car Insurance in Virginia?
Virginia's average monthly non-owner car insurance cost is $37, below the national average of $43. Virginians pay around $53 for SR-22 insurance, above $48 nationally. Your driving history will influence your premium.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Virginia Average Cost
Monthly Premium
$37Non-owner car insurance in Virginia is cheap:$6 saved
This is 14% less expensive.
Virginia Non-Owner Car Insurance: Buyer's Guide
Our guide helps drivers determine if non-owner insurance is right for them. It explains this coverage, compares it to standard policies, outlines the costs and highlights who benefits most.
What Is Non-Owner Car Insurance?
If you drive often but don't own a car, non-owner insurance is a good choice. It covers the costs of injuries and damage you may cause to others while driving. This is especially useful for frequent renters or car borrowers. Below, see how this plan differs from standard policies.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Virginia Allow Non-Owner Car Insurance?
Virginia allows non-owner insurance for people who don't own a car but drive occasionally. If you need to file an SR-22 or FR-44, you can include it in your non-owner policy to meet legal requirements affordably.
VIRGINIA MINIMUM INSURANCE REQUIREMENTS
Virginia's minimum coverage requirements apply to non-owner car insurance. The limits are:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $20,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $20,000 uninsured/underinsured property damage coverage
Sometimes, the state minimum might not fully protect you. Consider how much coverage you need before purchasing insurance.
Should You Get Non-Owner Car Insurance in Virginia?
Non-owner insurance is a good choice for those who drive sometimes but don’t own a car. It’s affordable coverage for renting or sharing cars. Consider how often you drive to determine if this plan suits your needs.
AVOID ONE-DAY CAR INSURANCE
Be wary of "one-day insurance" offers in Virginia, as they could be a scam. For safer, short-term coverage, consider getting insurance through a car rental company, especially for activities like moving or road trips.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
Car borrowers may need non-owner insurance to ensure coverage when driving someone else's vehicle, particularly if they're not on the owner's policy.
Occasional renters
Non-owner car insurance is more affordable than rental agency policies and provides coverage for multiple rentals.
Drivers between cars
Non-owner insurance helps drivers maintain continuous coverage, preventing premium hikes from a coverage lapse between cars.
License reinstatement-seekers
Non-owner insurance helps drivers reinstating their license after a suspension by proving financial responsibility.
WHAT IS SR-22 INSURANCE?
An SR-22, or Certificate of Financial Responsibility (CFR), is a form your insurance company files with the DMV to prove you have the state minimum coverage. It shows you're financially responsible to drive and is often required after violations like a DUI or driving without insurance.
Cheap Non-Owner Car Insurance in Virginia: Bottom Line
Virginia offers non-owner car insurance, including for those needing SR-22 or FR-44 forms. Auto-Owners is the most affordable option, followed by State Farm and Travelers. Compare quotes to find the best deal.
Non-Owner Car Insurance in Virginia: FAQ
Get answers to frequently asked questions about non-owner car insurance in Virginia below.
Which company offers the cheapest non-owner car insurance in Virginia?
Auto-Owners offers the cheapest non-owner car insurance and SR-22 policies in Virginia, both at $21 monthly.
How much does non-owners car insurance cost in Virginia?
In Virginia, non-owner car insurance costs about $37 monthly or $444 annually. For those needing an SR-22, the price increases to around $53 monthly or $635 annually.
Virginia Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Virginia auto insurance rates by collecting data from the Virginia Bureau of Insurance and Quadrant Information Services. We examined 240 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 Virginia using minimum coverage policies. The state-required minimum coverage includes:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $20,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $20,000 uninsured/underinsured property damage coverage
Drivers and Cars in Virginia
To find the best and most affordable companies for non-owner car insurance in Virginia, 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.