Non-Owner Car Insurance in Pennsylvania
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Liability coverage protects Pennsylvania drivers who don't own a car.
- $51.is the monthly owner liability average.
- Minimum liability limits: 15/30/5.
- The 27th most expensive of 51 states (1st = highest).
Who non-owner insurance is for
- You often drive borrowed or rented cars, but you don't own one.
- The state or a court requests proof of insurance from you. You have no car to insure.
- A gap in cover between cars can raise the next price, so avoiding it is your goal.
What the policy covers
A non-owner policy covers liability only. The Pennsylvania minimum is 15/30/5, and this policy must meet it.
If you cause a crash in a borrowed car, it pays other people. This policy won't repair the car you drive, and the owner's policy usually pays first.
Policy costs
No official average exists for non-owner policies. Liability coverage for Pennsylvania car owners averages $617 a year. Non-owner policies usually cost less because you don't have a car parked in your driveway every day.
Pennsylvania: more car insurance details
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