Cheapest And Best Non-Owner Car Insurance In Pennsylvania 2024
Our examination concludes that Kemper stands out for offering the cheapest and best non-owner car insurance in Pennsylvania.
We’ve saved shoppers an average of $600 per year on their car insurance.
An increasing number of residents are moving away from traditional ownership, instead choosing to share or rent vehicles. Non-owner car insurance offers a practical solution, providing financial protection and peace of mind.
With 15 years of experience as an insurance agent and over 35 years of purchasing car insurance, I have a profound understanding of Pennsylvania’s insurance landscape and the distinctive features of various providers.
Cheapest Non-Owner Car Insurance In Pennsylvania, 2024
Compare The Cheapest And Best Non Owner Car Insurance In Pennsylvania
| Overall Rating | Best Suited For | A.M. Best Rating | J.D. Power Rating | Average Monthly Cost | Get A Quote | |
|---|---|---|---|---|---|---|
| Kemper |
|
Cheapest Overall |
A- |
736 |
$35 |
Instant Quote |
| Farmers |
|
Cheapest Non-Owner SR-22 |
A- |
810 |
$62 |
Instant Quote |
| State Farm |
|
Best Overall |
A++ |
826 |
$53 |
Instant Quote |
| Progressive |
|
Cheapest With A Clean Driving Record |
A+ |
809 |
$36 |
Instant Quote |
| Travelers |
|
Best Runner-up |
A++ |
NR |
$44 |
Instant Quote |
Our Methodology
Utilizing a detailed analysis that incorporates customer service ratings, product varieties, pricing details, and assessments from diverse online review platforms and user insights, I've developed an extensive understanding of non-owner car insurance providers.
This perspective has been shaped by my extensive tenure of over 15 years as a licensed agent in Pennsylvania, alongside multiple interactions with representatives from various companies and firsthand buying experiences.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Cheapest Non Owner Car Insurance Companies In Pennsylvania
Cheapest Overall
Key Statistics
Why We Like Them
⇅If you’re in Pennsylvania and looking for affordable car insurance, even if you don’t own a car, Kemper might be a good option. They specialize in providing cheap auto insurance for drivers who are considered high-risk. You can buy their policies from independent agents not only in Pennsylvania but also in other states.
While Kemper aims for low prices, it doesn’t score well in customer satisfaction, according to the National Association of Insurance Commissioners. Despite this, it’s still a popular choice and ranks as the 11th largest insurer in the US.
For those in the military, including active-duty personnel, National Guard members, deployed individuals, or those on military bases who often borrow someone else’s car, Kemper could be a suitable choice.
Car insurance in Pennsylvania can be expensive due to factors like heavy traffic and many drivers not having enough coverage. This makes it challenging for many people to own and insure a vehicle. Consequently, more individuals are opting not to own cars or are relying on rentals. Non-owner car insurance, which is affordable, is becoming a preferred solution for many in Pennsylvania who no longer require traditional car insurance.
Benefits & Drawbacks
⇅- Provides budget-friendly insurance rates tailored for Pennsylvania residents who do not possess a vehicle.
- If needed, make sure to get an SR-22 form.
- AM Best provides a top-notch assessment of financial strength. ✓
- Many customers have expressed dissatisfaction with the help provided to people with insurance.
- A smartphone app getting low ratings from users. ✘
Rates For The Cheapest Non Owner Car Insurance In Pennsylvania
| Insurance company | Monthly Rate |
| Progressive | $62 |
| Auto-Owners | $30 |
| Kemper | $25 |
| GEICO | $44 |
| Travelers | $27 |
Cheapest Non Owner SR-22
Key Statistics
Why We Like Them
⇅Farmers is recognized for its dependable non-owner auto insurance, which proves beneficial for drivers requiring an SR-22 form. This form is mandated for individuals deemed “high-risk” by the state due to infractions such as DUIs, reckless driving, or driving uninsured.
What sets Farmers apart is their tailored assistance for high-risk drivers. They not only provide SR-22 insurance but also aid drivers in swiftly reinstating suspended licenses. This commitment to easing the process for high-risk drivers distinguishes Farmers from other insurers.
In terms of pricing, Farmers offers SR-22 insurance at just a 2% higher rate compared to standard car insurance on average. This affordability, coupled with comprehensive coverage, positions Farmers as a pragmatic option for Pennsylvania drivers in need of an SR-22.
Opting for non-owner SR-22 insurance is a wise choice for high-risk drivers without vehicles of their own who still need to drive occasionally. It grants them liability coverage, ensuring financial security in the event of accidents while operating borrowed or rented vehicles.
Furthermore, it aids in maintaining continuous insurance coverage, showcasing financial responsibility and averting potential lapses in insurance history that could result in higher premiums down the line.
Benefits & Drawbacks
⇅- Focuses on assisting individuals identified as high-risk drivers.
- We provide affordable prices for SR-22 insurance tailored for people who don't own cars.
- There are multiple insurance choices to pick from. ✓
- Numerous clients are facing issues with the handling and resolution of their insurance claims.
- Auto insurance premiums might go up for individuals considered at higher risk for accidents or making insurance claims. ✘
Rates For The Cheapest Non-Owner SR-22 In Pennsylvania
| Insurance company | Monthly Rate |
| Progressive | $88 |
| GEICO | $66 |
| Auto-Owners | $40 |
| Farmers | $32 |
| Travelers | $34 |
Cheapest With A Clean Driving Record
Key Statistics
Why We Like Them
⇅If you’re in Pennsylvania without a car but still need insurance, consider Progressive. They offer non-owner car insurance that covers accidents involving injuries and property damage, which is essential since Pennsylvania mandates financial responsibility for all vehicles on its roads.
Progressive’s non-owner car insurance can be obtained through independent agents or directly from them. They’re reputed for their prompt claims processing and strong financial standing.
Having a clean driving record can lead to lower premiums for non-owner car insurance. Insurance companies view you as less risky due to your safe driving habits, which helps them minimize losses from claims and maintain competitive rates. Therefore, maintaining a good driving history can significantly cut down your insurance expenses.
Benefits & Drawbacks
⇅- There are plenty of options to choose from when you're looking to get insurance.
- Fantastic discounts available for drivers who prioritize safety above all else.
- Drivers who haven't had any accidents or traffic violations can potentially get lower insurance premiums. ✓
- Customers have different thoughts about the quality of service they get.
- Absence of insurance coverage for leased cars
- Some states might not offer car insurance choices for people who don't own a car. ✘
Cheapest Non-Owner Car Insurance Rates With A Clean Driving Record
| Insurance company | Monthly rate |
| Travelers | $24 |
| GEICO | $45 |
| Auto-Owners | $30 |
| Progressive | $20 |
| Farmers | $54 |
Best Overall Non Owner Car Insurance
Key Statistics
Why We Like Them
⇅In Pennsylvania, many residents choose State Farm for their non-owner car insurance needs. They find State Farm appealing because of its competitive prices, wide range of coverage options, and top-notch customer service.
Even though State Farm might not have the absolute cheapest rates, their non-owner liability coverage starts at $213 per year. This coverage protects against potential injuries or property damage caused by the insured.
Additionally, if you already have a personal auto policy with State Farm that includes comprehensive coverage, it can extend to cover your rental car, giving you extra peace of mind.
State Farm stands out for its dedication to customer service. They make themselves easily reachable through their mobile app and dedicated contact line, ensuring that policyholders can get help whenever they need it.
While getting a good price is important, having reliable customer service is just as crucial. The core of insurance is feeling safe and knowing that help will be there when you need it. That’s why an insurance company’s ability to handle claims and offer guidance is so valuable.
Benefits & Drawbacks
⇅- A wide range
- Competitive pricing
- Incredible levels of customer happiness ✓
- Typically, generic insurance policies that aren't customized to fit the individual needs of the vehicle owner might not provide full coverage in the event of accidents or collisions.
- They provide discounts, but there's only a finite amount available.
- You can find cheaper alternatives. ✘
Best Runner-Up
Key Statistics
Why We Like Them
⇅In Pennsylvania, Travelers stands out as a popular choice for those seeking non-owner car insurance. They’re recognized for tailoring plans to meet specific requirements and delivering exceptional customer service.
It’s essential to have a reliable insurance provider, especially during emergencies or when making claims, and Travelers surpasses expectations by providing quick and efficient support, showing their commitment to customer satisfaction. Their insurance options include basic liability, collision, and uninsured/underinsured coverage, all offered at reasonable prices.
Non-owner car insurance primarily protects you from being responsible for damages you cause to others. You can also enhance your coverage by adding comprehensive and collision coverage, safeguarding against theft, vandalism, natural disasters, and accidents involving other vehicles or objects, regardless of who’s at fault.
Benefits & Drawbacks
⇅- Absolute protection
- Outstanding customer service
- Competitive pricing ✓
- Right now, you can't get price estimates online.
- Special deals with limitations
- Auto insurance prices might go up for drivers considered more likely to get into accidents. ✘
Average Cost Of Non-Owner Car Insurance In Pennsylvania
Exploring non-owner car insurance can feel complex due to the numerous providers and fluctuating rates. Knowing the financial implications of your choices is essential.
To simplify, we’ve devised a comparison chart presenting rates from five leading providers.
| Insurer | Average Monthly Rate |
| Progressive | $50 |
| State Farm | $22 |
| Erie | $15 |
| Geico | $23 |
| Nationwide | $47 |
How Much Is Non-Owner Car Insurance In Pennsylvania’s 10 Biggest Cities?
When determining car insurance prices, insurers consider the size of the city. Living in a large city with congested roads often means higher premiums.
| City | Average Annual Rate |
| Allentown | $228 |
| Pittsburgh | $225 |
| Erie | $224 |
| Lancaster | $220 |
| Harrisburg | $211 |
| Philadelphia | $419 |
| Levittown | $300 |
| Bethlehem | $238 |
| Scranton | $235 |
| Reading | $230 |
Average Cost Of Non-Owner Car Insurance In Pennsylvania Cities
Listed are the typical charges for services in five modest Pennsylvania cities.
| City | Sample Average Annual Rate |
| Hyndman | $179 |
| Lewisburg | $200 |
| Mifflinburg | $179 |
| Breezewood | $178 |
| Clearville | $177 |
How Much Is Non-Owner Car Insurance In Pennsylvania By Age?
The pricing of non-owner car insurance in Pennsylvania mirrors that of full coverage insurance, with rates peaking for teenagers and diminishing gradually until age 55.
Provided are sample rates for various age groups.
| Age | Average Annual Rate |
| 16 | $578 |
| 17 | $432 |
| 18 | $380 |
| 19 | $315 |
| 20 | $296 |
| 21 | $258 |
| 22 | $250 |
| 23 | $242 |
| 24 | $234 |
| 25 | $226 |
| 30 | $219 |
| 35 | $218 |
| 40 | $218 |
| 45 | $217 |
| 50 | $214 |
| 55 | $215 |
| 60 | $212 |
| 65 | $218 |
| 70 | $225 |
| 75 | $238 |
How Non-Owner Insurance Rates In Pennsylvania Compare To Rates In Other States
Pennsylvania’s average annual rate for non-owner car insurance is a modest $218, falling below the national average of $353.
Let’s see how it compares in the 12 most populated states:
| State | Average Annual Premium |
| North Carolina | $937 |
| Florida | $770 |
| New York | $590 |
| Michigan | $585 |
| Texas | $419 |
| Illinois | $396 |
| Georgia | $384 |
| National Average | $353 |
| Pennsylvania | $348 |
| California | $323 |
| Ohio | $241 |
What Does Non-Owner Car Insurance Cover?
If you’re without a car but need insurance, consider a non-owner policy. It primarily offers liability coverage, which pays for others’ injuries or property damage if you’re at fault in an accident. However, it’s essential to understand that it won’t cover any damage to the car you’re driving; that’s the owner’s insurance responsibility.
Some policies may provide extras like medical payments or personal injury protection, which cover medical expenses regardless of fault. You can also opt for uninsured/underinsured motorist protection to safeguard against drivers with inadequate coverage.
Nevertheless, non-owner insurance doesn’t include comprehensive or collision coverage for damages from theft, vandalism, natural disasters, or accidents.
Should You Get Non-Owner Car Insurance In Pennsylvania?
Non-owner car insurance is designed for people who don’t own a car but still drive from time to time. It gives liability coverage if you cause an accident while driving a borrowed or rented car. Certain individuals in Pennsylvania should think about investing in this type of insurance policy.
Frequent Renters And Borrowers
If you’re someone who frequently rents cars or borrows them from friends or family, it’s worth exploring non-owner car insurance. Rental companies do offer insurance options, but they can be costly for regular renters. Similarly, while the owner’s insurance might cover some accidents, having your own policy ensures you’re safeguarded without affecting the owner’s premium.
Public Transport Commuters With Occasional Driving Needs
Public transportation and ridesharing are the primary means of travel for a significant portion of Pennsylvania residents in their everyday lives, with personal driving kept to a minimum. This preference is often found among city dwellers with access to reliable public transit or individuals who prefer biking or walking.
Yet, there are instances where driving becomes necessary. Non-owner insurance steps in to provide financial coverage when needed.
Individuals Trying To Maintain Continuous Coverage
Insurance companies often regard drivers without consistent coverage as high-risk, which could result in higher premiums when purchasing a car. If you’ve sold your vehicle and won’t have one for a period, getting a non-owner policy can help you maintain continuous coverage and preserve your insurance record.
This can be particularly beneficial when you eventually buy another car and need standard insurance.
What Is Non-Owner Car Insurance
If you regularly drive cars you don’t own, such as rentals or borrowed vehicles, you might want to consider non-owner car insurance. This kind of insurance mainly covers liability, meaning if you cause an accident while driving someone else’s car, your policy can help pay for the medical and repair bills of the other person involved.
Some insurers might offer additional options, like protection against uninsured drivers or coverage for personal injuries. However, it’s essential to understand that non-owner insurance typically doesn’t include coverage for any damage to the car you’re driving. It’s a smart choice for people who frequently rent or borrow cars, giving them an extra level of security.
Moreover, it could be more cost-effective compared to always purchasing insurance from the rental company. Also, having this policy guarantees you have continuous insurance coverage, which could result in lower premiums if you decide to buy a car later on.
| Coverage Type | Non-Owner Car Insurance | Full Coverage Policy |
| Liability Coverage | Covers bodily injury and property damage you cause to others. | Covers bodily injury and property damage you cause to others. |
| Comprehensive Coverage | Does not cover damages to the vehicle you’re driving from non-collision incidents like theft, fire, or vandalism. | Covers damages to your vehicle from non-collision incidents like theft, fire, or vandalism. |
| Collision Coverage | Does not cover damages to the vehicle you’re driving from a collision, regardless of fault. | Covers damages to your vehicle from a collision, regardless of fault. |
| Uninsured/Underinsured Motorist Protection | Optional. Some insurers offer this as an additional coverage. | Can cover your losses if you’re involved in an accident with an uninsured or underinsured driver. |
| Personal Injury Protection (PIP) | Optional. Some insurers offer this as an additional coverage. | Can cover medical expenses for you and your passengers, regardless of who is at fault. |
| Rental Car Coverage | Provides liability coverage when you rent a vehicle. | Typically requires additional rental reimbursement coverage. |
What Is SR-22 Insurance?
SR-22 isn’t exactly an insurance policy; it’s more of a confirmation of your vehicle liability coverage. Required by most state DMVs for high-risk insurance policies, it serves as proof that you meet the minimum liability insurance requirements.
Your insurance company handles this paperwork, crucial for individuals facing license suspension due to traffic violations or serious offenses like DUIs. Essentially, it verifies your financial responsibility by demonstrating you’ve obtained the necessary auto liability insurance.
Usually, it’s mandated by the state or court, especially for high-risk drivers, and your insurer must keep the state informed if your coverage lapses.
How To Get Non-Owner Car Insurance In Pennsylvania
These five steps outline a simple and efficient way to obtain non-owner car insurance in Pennsylvania.
Understand Your Needs
It’s important to understand the reasons for needing non-owner car insurance before you start. Do you often rent vehicles or borrow cars from friends or family? Do you require a non-owner SR-22 form for license reinstatement? Clearly outlining your needs is crucial for finding the optimal solution.
Gather Your Personal Information
If you’re interested in obtaining a quote for non-owner car insurance, be prepared to provide basic personal information such as your name, address, and driver’s license number. This allows the insurance company to evaluate your risk and set your premium accordingly.
Compare Rates From Different Providers
Insurance companies have varying rates for non-owner car insurance. It’s a good idea to shop around and compare quotes to ensure you’re getting the best deal.
Choose The Right Coverage
Most non-owner auto insurance plans come with liability coverage, covering costs in the event of an accident you cause. Depending on your preferences and the insurance provider, you might be able to include extra protections like uninsured motorist coverage or medical payments. Be sure to opt for a policy that suits your unique needs.
Purchase Your Policy And Obtain Proof Of Insurance
After deciding on a policy, you can generally buy it online or over the phone. Once purchased, you’ll promptly receive proof of insurance, often via email. If necessary, your provider can also take care of filing an SR-22 for you.
FAQs
Do you need car insurance if you don’t own a car in Pennsylvania?
Indeed, car insurance is necessary in Pennsylvania, even without owning a car. Non-owner car insurance is specifically designed for individuals who often drive borrowed or rented vehicles, ensuring they have liability coverage for any driving-related incidents.
Can I buy auto insurance for someone else’s car in Pennsylvania?
Indeed, in Pennsylvania, you can secure auto insurance for another person’s car. But, it’s not as straightforward as insuring your own vehicle. Insurance providers usually want to see a connection between the policyholder and the car, such as co-ownership or frequent driving.
Who offers the cheapest non owners car insurance in Pennsylvania?
Based on our findings, Kemper offers the most competitive prices for non-owner car insurance in Pennsylvania.
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