Non-Owner Car Insurance in Washington (2026)
Non-owner car insurance in Washington provides liability coverage for drivers who don’t own a vehicle.
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Writer: Elizabeth RivelliFreelance Insurance Writer
Writer: Elizabeth RivelliFreelance Insurance Writer
Qualifications:
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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What to know about non-owner car insurance in Washington
Non-owner auto insurance is essentially car insurance for Washington drivers who don’t own a car. It provides bodily injury and property damage liability coverage when you cause an accident while driving someone else’s vehicle.
For example, say you borrow a friend’s truck to drive to Mount Baker after a snowstorm. State Route 542 is still icy, and you accidentally rear-end another driver. A non-owner policy would cover the other driver’s vehicle damage and bodily injury liability if they suffer an injury.
Non-owner insurance provides liability coverage only, so it won’t cover physical damage to the vehicle you’re borrowing.
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Policies average $43 per month
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Non-owner car insurance requirements in Washington
Washington State typically doesn’t require drivers to have non-owner car insurance. But drivers assume financial responsibility for the cars they drive in Washington, even if they don’t own a personal vehicle.
For drivers who own a vehicle, the Washington State minimum requirements include:[1]
$25,000 for bodily injury liability per person
$50,000 for bodily injury liability per accident
$10,000 for property damage liability per accident
Washington car insurance companies must offer personal injury protection (PIP), but drivers may decline it in writing.[2] PIP can pay for your medical expenses, lost wages, and other costs if you get into an accident, regardless of which driver was at fault.
Who should get non-owner car insurance in Washington?
You don’t need a non-owner policy in Washington if you own a vehicle. Below are some examples of instances where non-owner car insurance may be beneficial or required:
You need an SR-22 to reinstate a suspended driver’s license.
You occasionally borrow someone else’s vehicle.
You rent cars but don’t purchase insurance through the rental company.
You sold your vehicle and plan to buy another, but want to avoid a lapse in coverage.
You use car-sharing services like GoForth or ZipCar.
Nearly every car must have auto insurance in Washington, but certain vehicles are exempt, including motor scooters, mopeds, and state- or publicly owned vehicles.
SR-22 requirements in Washington
High-risk drivers sometimes need to carry SR-22 insurance in Washington, which is a certificate of financial responsibility that proves you carry the minimum amount of car insurance.[3] If you don’t own a car and need an SR-22, you might need to purchase non-owner insurance to satisfy the requirements.
You’ll need to have SR-22 insurance to reinstate a suspended driver’s license. This can happen after certain criminal offenses, such as a driving under the influence (DUI) conviction, or after failing to pay court-ordered judgments.[4]
You must maintain proof of financial responsibility for SR-22s in Washington for three years from the date you’re eligible to reinstate your license. Certificates are available through select auto insurance companies, and most insurers charge a filing fee of around $25. Having an SR-22 can also lead to higher car insurance premiums.
Cost of non-owner car insurance in Washington
The average cost of non-owner car insurance in Washington is $43 per month, which is a few dollars less than the U.S. national average of $46, according to Insurify data. Drivers in Washington pay more for non-owner insurance than drivers in its two neighboring states, Oregon ($38 per month) and Idaho ($26 per month).
Non-owner car insurance rates in Washington are much cheaper than average liability and full-coverage rates. The average cost of car insurance in Washington is $95 per month for liability-only insurance and $183 per month for full coverage, according to Insurify data.
Some insurers have lower rates than others, though. State Farm has the cheapest non-owner rates in Washington, at $28 per month, followed by USAA, at $29 per month.
Like traditional car insurance, non-owner auto insurance rates depend on a variety of factors, like your age, driving history, ZIP code, and credit-based insurance score.[5]
Non-Owner Car Insurance | Average Monthly Cost |
|---|---|
| Washington average | $43 |
| National average | $46 |
Disclaimer: Table data is based on real-time Washington quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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How to get non-owner car insurance in Washington
If you need non-owner coverage in Washington, here’s how you can get a policy:
Compare quotes. Get personalized quotes from several car insurance companies offering non-owner policies in Washington.
Confirm the insurer offers SR-22 insurance, if necessary. Not every insurer offers SR-22 insurance. If you need it, confirm that the insurer can file an SR-22 certificate on your behalf with the Washington State Department of Licensing (DOL).
Choose coverage limits. Decide whether to carry state-minimum coverage or opt for higher liability limits for greater financial protection.
Add optional policies. You might benefit from adding optional policies, like uninsured/underinsured motorist coverage (UM/UIM).
Non-owner car insurance in Washington FAQs
If you’re shopping for a non-owner auto insurance policy in Washington, below you’ll find additional information to help you compare policies.
What is the average cost of non-owner car insurance in Washington State?
The average non-owner car insurance premium in Washington is $43 per month, according to Insurify data. Non-owner car insurance costs are much cheaper than the statewide average for liability-only and full-coverage policies. Non-owner premiums depend on various factors, such as your age and driving record.
Who should consider purchasing non-owner car insurance in Washington State?
You might consider buying non-owner car insurance in Washington if you drive other people’s cars, drive rental cars but decline the rental company’s collision damage waiver, or need to carry SR-22 insurance but don’t own a vehicle.
Sources
- Washington Office of the Insurance Commissioner. "Washington state's mandatory auto/motorcycle insurance law."
- Washington Office of the Insurance Commissioner. "Personal injury protection (PIP)."
- Washington Office of the Insurance Commissioner. "What if I can't find auto coverage?."
- Washington State Department of Licensing. "Financial responsibility (SR-22)."
- Washington Office of the Insurance Commissioner. "How insurance companies set auto premiums."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Writer: Elizabeth RivelliFreelance Insurance Writer
Writer: Elizabeth RivelliFreelance Insurance Writer
Qualifications:
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.