Non-Owner Car Insurance in Virginia
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Liability cover for Virginia drivers who don't own a car.
- $58.is the monthly average for owner liability.
- The minimum liability limits are 50/100/25.
- Most expensive state ranking: 33rd of 51 (1st = highest).
Who non-owner insurance is right for
- You often drive borrowed or rented cars, but you don't own one.
- An SR-22 / FR-44 filing is what Virginia asks of you, though you have no car that needs insurance.
- A gap in cover between cars can raise the next price, so you want to avoid it.
The policy's coverage
A non-owner policy provides liability coverage only. It has to meet Virginia's minimum limits of 50/100/25.
If you cause a crash in a borrowed car, it pays other people. It won't repair the car you're driving, and the owner's policy usually pays first.
The cost of cover
No official non-owner average exists. For Virginia car owners, the average liability cost runs $691 a year. Non-owner policies usually come in below that, because there's no car parked in your driveway every day.
Learn more about Virginia car insurance
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