GEICO offers the cheapest non-owner car insurance in Washington, D.C., with a monthly premium of just $22, much lower than the district's average. The table below compares other affordable options.
Cheapest Non-Owner Car Insurance in Washington, D.C.
Updated: January 30, 2025
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Best Cheap Non-Owner Car Insurance in Washington, D.C.: Key Takeaways
GEICO offers the cheapest SR-22 non-owner car insurance for those with a driving incident in Washington, D.C., with an average monthly cost of $34.
Non-owner car insurance covers you when driving a vehicle that isn't yours, as long as you meet D.C.'s minimum coverage requirements.
Consider non-owner insurance if you often borrow cars, rent vehicles or need to reinstate your license but can't afford a traditional policy.
Cheapest Non-Owner Car Insurance in Washington, D.C.
| GEICO | $267 | $22 |
| Progressive | $467 | $39 |
| State Farm | $488 | $41 |
| Nationwide | $1,005 | $84 |
Cheapest Non-Owner SR-22 Car Insurance in Washington, D.C.
GEICO provides the most affordable SR-22 non-owner policy in Washington, D.C., at just $34 monthly, well below the district's average of $63. Explore the table below for other cost-effective options.
| GEICO | $404 | $34 |
| State Farm | $540 | $45 |
| Progressive | $894 | $74 |
| Nationwide | $1,198 | $100 |
How Much Is Non-Owner Car Insurance in Washington, D.C.?
In Washington, D.C., non-owner car insurance costs an average of $42 monthly, slightly below the national average of $43. SR-22 averages $63 per month, compared to the national average of $48 to $58, depending on driving records. Your premium may vary based on your driving history.
Non-Owner Car Insurance Cost Comparison: National vs. D.C.
National Average Cost
Monthly Premium
$43
Washington, D.C. Average Cost
Monthly Premium
$42Non-owner car insurance in Washington, D.C., is average:$1 saved
This is 2% less expensive.
Washington, D.C., Non-Owner Car Insurance: Buyer's Guide
To help D.C. drivers determine if a non-owner insurance policy is right for them, we've outlined its key differences from standard policies, costs and who benefits most.
What Is Non-Owner Car Insurance?
Non-owner car insurance is smart if you drive often but don't own a car. It covers costs if you're at fault in a crash, providing financial protection that meets the district's minimum coverage requirements. Below, see how this compares to standard policies.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Washington, D.C., Allow Non-Owner Car Insurance?
Non-owner car insurance offers coverage for those who drive but don’t own a car and is available in Washington, D.C. It can also meet SR-22 filing requirements.
WASHINGTON, D.C., MINIMUM INSURANCE REQUIREMENTS
In Washington, D.C., non-owner car insurance must meet the same minimum requirements as owner policies. The minimum 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
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $5,000 uninsured/underinsured property damage coverage
While these are the minimums, consider whether they provide enough protection. Assess how much coverage you need, as minimum limits may not provide full financial protection after an accident.
Should You Get Non-Owner Car Insurance in Washington, D.C.?
Non-owner car insurance in D.C. is affordable for those who regularly drive but don’t own a car. It’s ideal for frequent car renters or car-sharing users, providing minimum coverage in case of an accident. Consider how often you drive and the cars you use.
AVOID ONE-DAY CAR INSURANCE
Be cautious of "one-day insurance" offers in Washington, D.C., as they aren't legitimate and may signal fraud. For temporary coverage, such as during a move or road trip, opt for insurance through a car rental company to ensure genuine and reliable protection.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers in should consider a non-owners car insurance policy:
Car borrowers
Non-owner car insurance is crucial for car borrowers, ensuring they're covered when driving someone else's vehicle. It provides minimum coverage for damage or injuries caused by the borrower.
Occasional renters
Non-owner insurance provides financial protection without requiring repeated rental insurance purchases, potentially saving money over time.
Drivers between cars
Drivers without a car can maintain continuous insurance coverage with a non-owner policy, which may prevent future premiums from increasing due to a lapse in coverage.
License reinstatement-seekers
For those seeking to reinstate their driver's license after a suspension, a non-owner policy provides proof of insurance to meet legal requirements without owning a vehicle.
WHAT IS SR-22 INSURANCE?
An SR-22, or Certificate of Financial Responsibility, is a form your insurer files with the DMV to confirm you meet the required minimum coverage. It's often required for drivers with a DUI or without insurance to drive legally.
Cheap Non-Owner Car Insurance in Washington, D.C.: Bottom Line
Washington, D.C., offers non-owner car insurance, even for drivers requiring an SR-22 form. GEICO is the cheapest option, followed by Progressive and State Farm. Compare quotes from multiple insurers to find the best deal.
Non-Owner Car Insurance in Washington, D.C.: FAQ
Get answers to frequently asked questions about non-owner car insurance in Washington, D.C., below.
Which company offers the cheapest non-owner car insurance in Washington, D.C.?
GEICO offers the most affordable non-owner car insurance in Washington, D.C., with a monthly cost of $22. It also provides the cheapest rate for SR-22 insurance at $34.
How much does non-owners car insurance cost in Washington, D.C.?
Non-owner car insurance in Washington, D.C., generally costs about $508 annually or $42 monthly. For drivers needing SR-22, the average cost is around $758 annually or $63 monthly.
Washington, D.C. Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Washington, D.C., auto insurance rates by collecting data from the District of Columbia Department of Insurance, Securities and Banking and Quadrant Information Services. We examined 240 car insurance quotes from five providers to identify the district's best and most affordable options.
Coverage Levels
We compared non-owner car insurance rates from companies in Washington, D.C., using minimum coverage policies. The 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
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $5,000 uninsured/underinsured property damage coverage
Drivers and Cars in Washington, D.C.
To find the best and most affordable companies for non-owner car insurance in Washington, D.C., 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.