GEICO is Washington's cheapest non-owner car insurance provider for those with clean records. Its monthly rates start at $28, below the state average of $44 for minimum coverage. Explore other affordable choices in the table below.
Cheapest Non-Owner Car Insurance in Washington
Updated: February 3, 2025
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Best Cheap Non-Owner Car Insurance in Washington: Key Takeaways
State Farm offers the most affordable non-owner SR-22 car insurance for drivers with an incident, costing about $39 monthly.
Non-owner insurance covers you when driving a vehicle you don't own, as long as you meet the state's minimum coverage requirements.
Non-owner insurance is ideal for those who borrow or rent cars often or need to reinstate their license without the cost of a traditional policy.
Cheapest Non-Owner Car Insurance in Washington
| GEICO | $333 | $28 |
| State Farm | $423 | $35 |
| Travelers | $493 | $41 |
| Farmers | $717 | $60 |
| Progressive | $724 | $60 |
| Nationwide | $749 | $62 |
Cheapest Non-Owner SR-22 Car Insurance in Washington
State Farm provides Washington's cheapest SR-22 non-owner policy at $39 monthly — lower than the state average of $69 for minimum coverage. The table below compares other SR-22 providers.
| State Farm | $473 | $39 |
| GEICO | $492 | $41 |
| Travelers | $654 | $54 |
| Farmers | $1,003 | $84 |
| Nationwide | $1,037 | $86 |
| Progressive | $1,283 | $107 |
How Much Is Non-Owner Car Insurance in Washington?
Washington's average monthly non-owner car insurance cost is $44, slightly above the national average of $43. For SR-22 insurance, the state average is $69, compared to $48 nationally. Your premium may vary based on your driving history.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Washington Average Cost
Monthly Premium
$44On average, non-owner car insurance in Washington is:$1 more
This is 2% more expensive.
Washington Non-Owner Car Insurance: Buyer's Guide
Our guide helps drivers decide if a non-owner insurance policy is the best option. It covers what this insurance is, its cost and how it differs from standard policies.
What Is Non-Owner Car Insurance?
If you often drive but don't own a car, non-owner insurance can help. It covers costs if you’re at fault in an accident, saving you from out-of-pocket expenses. Below, we compare non-owner policies with standard ones to highlight the differences.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Washington Allow Non-Owner Car Insurance?
Washington allows non-owner insurance for drivers without a car but who need coverage. If you need to file an SR-22, you can still find an affordable non-owner plan to meet state minimum requirements.
WASHINGTON MINIMUM INSURANCE REQUIREMENTS
Washington'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
- $10,000 in property damage liability per accident
These minimums might not fully protect you. Assess how much coverage you need beyond the state minimum to ensure you're adequately insured.
Should You Get Non-Owner Car Insurance in Washington?
Consider non-owner insurance if you drive but don't own a car. It is affordable and covers you in case of an accident. Ideal for those who rent cars or use car-sharing, this plan provides financial protection without the cost of a full owner's policy.
AVOID ONE-DAY CAR INSURANCE
Be cautious of "one-day insurance" offers in Washington, as they may indicate fraud. For temporary coverage needs, such as during a move or road trip, it's safer to buy insurance through a car rental company.
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 liability when driving someone else's vehicle, protecting the borrower and the owner from potential costs from accidents.
Occasional renters
Non-owner insurance offers affordable coverage, saving you from costly rental company policies every time you rent a vehicle.
Drivers between cars
Drivers without a car but planning to own one again should maintain non-owner insurance to prevent coverage lapses, which can raise premiums in the future.
License reinstatement-seekers
Non-owner policies can fulfill the proof of insurance requirement for license reinstatement after a suspension, even without vehicle ownership.
WHAT IS SR-22 INSURANCE?
An SR-22, officially called a Certificate of Financial Responsibility, is a form your insurer submits to the DMV to prove you meet your state's minimum car insurance requirements. It's often needed after incidents like a DUI or driving without insurance to drive again legally.
Cheap Non-Owner Car Insurance in Washington: Bottom Line
Washington provides non-owner car insurance for drivers, including those needing SR-22 forms. GEICO offers the most affordable plan, followed by State Farm and Travelers. To find the best deal, compare quotes from multiple providers.
Non-Owner Car Insurance in Washington: FAQ
Get answers to frequently asked questions about non-owner car insurance in Washington below.
Which company offers the cheapest non-owner car insurance in Washington?
GEICO offers the most affordable non-owner car insurance in Washington at $28 monthly. State Farm has the cheapest SR-22 rate at $39.
How much does non-owners car insurance cost in Washington?
In Washington, non-owner car insurance costs about $530 annually or $44 monthly. For those requiring an SR-22, the average annual cost is $823 or $69 monthly.
Washington Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Washington auto insurance rates by collecting data from the Washington State Office of the Insurance Commissioner 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 Washington 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
- $10,000 in property damage liability per accident
Drivers and Cars in Washington
To find the best and most affordable companies for non-owner car insurance in Washington, 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.