Non-owner car insurance in Washington
When you borrow or rent a car, this policy pays for harm you cause to others, and it is issued in your name. Get this plan when you drive in most months, or when you need an SR-22 but own no car. If the car’s owner lives with you, be added to their policy instead.
- $43 a monthtypical price for a 40-year-old with a clean record, or $516 a year
- PEMCOlowest price in the study, $128 a year, then $404 for the next company
- 25/50/10lowest limits the state allows
Who sells non-owner car insurance in Washington?
We priced 7 insurers, shown from cheapest to most expensive.
| Company | Per year | Per month |
|---|---|---|
 PEMCO | $128 | $11 |
 State Farm | $404 | $34 |
 Travelers | $409 | $34 |
 Farmers | $625 | $52 |
 GEICO | $639 | $53 |
 Nationwide | $639 | $53 |
 Progressive | $765 | $64 |
PEMCO is listed at $128 a year, far below the other companies here. That is the study's figure, so ask an agent for a real quote before counting on it.
These company prices are for a 40-year-old with a clean record, so your own answers above can give a different price. All prices are for that same driver, drawn from a study of Washington prices; among the 50 states, Washington ranks 35th cheapest. Companies that offer it in Washington.
In Washington, a three-year SR-22 period begins on the date you first become eligible for reinstatement. A non-owner policy, which protects you in borrowed cars, can hold that filing for the Department of Licensing.
Minimum liability coverage for a driver in a borrowed car in Washington
For harm you cause, the smallest required payment from a policy is set by RCW 46.29.090, the Washington financial responsibility law. When one person is hurt or killed, the coverage begins at $25,000. If two or more people are injured in a single accident, it increases to $50,000. Damage to property that belongs to others is covered up to $10,000. These funds go to the people you hurt and the property you damage.
Those same figures appear on the DOL mandatory insurance page. The page also cautions that driving without the required coverage can lead to a fine of $550 or more.
Proof accepted by the DOL for Washington drivers
In Washington, this is called proof of financial responsibility. The Department of Licensing (DOL) gives you three ways to provide it. To verify your policy, an approved insurer submits a document known as an SR-22. A $60,000 liability bond or a $60,000 certificate of deposit from DOL are the other choices. Any bond must be obtained from a surety company licensed to operate in Washington. You have 30 days to submit the deposit paperwork; otherwise, DOL will mail a denial. With no vehicle of your own, you can have the SR-22 carried by a non-owner policy.
Three events trigger the requirement, according to the DOL SR-22 page. The first is a conviction, or bail that was forfeited, for specified offenses. The second is a judgment that remains unpaid. The third is a collision involving a vehicle you were driving or that you owned. For most people, the filing stays in place for three years. Processing takes DOL 7 to 10 working days, and the agency wants a call from you when 30 days go by with no news.
How to end the requirement and get a Washington license back
After three years, RCW 46.29.600 allows DOL to cancel the filing requirement. This is only possible when your record contains no new conviction, infraction ruling, or bail forfeiture that could trigger a suspension. Surrendering your license will not shorten the term if you reapply within those three years.
Getting a license reissued costs $75, based on the DOL fee schedule; after an alcohol-related suspension, the fee is $170. Applying for an occupational or restricted license costs $100, and it grants you limited driving privileges while your license is suspended. The DOL suspended license page explains that you finish the reinstatement online through License Express.
Cost by age in Washington
A teenager can expect to pay about $2,009 each year. With minimum coverage on a car you own, a 40-year-old driver averages $638 a year, which is roughly $122 above the $516 cost of a non‑owner policy.
| Age | Men | Women |
|---|---|---|
| 16 to 19 | $2,077 | $1,941 |
| 20 to 24 | $784 | $757 |
| 25 to 64 | $514 | $529 |
| 65 and over | $575 | $545 |
Annual rates, clean driving record, minimum coverage limits. For ages 25 to 64, the figures come from the study’s 25 to 60 pricing; for 65 and older, they use the 65 to 75 pricing.
Get a non-owner quote in Washington
A licensed agent who writes policies in Washington takes your call, goes through how you drive for free, and gets you real quotes right away.
Call 833-958-5598