Non-Owner Car Insurance
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Non-Owner Car Insurance — Pennsylvania

A Pennsylvania non-owner policy carries the state's 15/30/5 liability minimum plus required PIP without owning a vehicle, and can file the SR-22 the state requires when your license depends on it. Geico, Progressive, Dairyland, The General, and GAINSCO write non-owner policies here.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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State-Mandated Minimum Coverage · Pennsylvania

Pennsylvania Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$15,000
Bodily Injury (per accident)$30,000
Property Damage$5,000

License Reinstatement Fee$50

Meeting the state minimum keeps you legal. See whether it's enough — get your Pennsylvania quote.

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Get non-owner SR-22 coverage without owning a vehicle

Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.

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✓ Non-Owner SR-22✓ No Obligation✓ Licensed Carriers✓ Reinstatement Ready

Coverage Types

Non-Owner Liability Insurance

Provides bodily injury and property damage liability for drivers who own no vehicle. Covers you when driving borrowed, rented, or shared cars, and sits secondary to any coverage on the car being driven.

Non-Owner SR-22 Insurance

A non-owner policy that carries the SR-22 filing Pennsylvania requires after certain violations. The policy provides liability coverage, and the carrier files the SR-22 certificate with PennDOT on your behalf.

Uninsured Motorist Coverage

Protects you when an at-fault driver carries no insurance or insufficient limits. Most non-owner policies include UM coverage as a standard component, even though Pennsylvania does not mandate it.

Non-Standard Auto Insurance

Coverage for drivers with violations, lapses, or other factors that place them outside the standard market. Non-owner SR-22 policies fall into this category when a filing is required.

Find Your City in Pennsylvania

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Philadelphia

urban
Pittsburgh, Pennsylvania cityscape and street view

Pittsburgh

urban
Allentown, Pennsylvania cityscape and street view

Allentown

urban
Reading, Pennsylvania cityscape and street view

Reading

urban
Erie, Pennsylvania cityscape and street view

Erie

urban
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Scranton

urban
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Bethlehem

urban
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Lancaster

urban
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Levittown

suburban
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Harrisburg

urban
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York

urban
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Wilkes-Barre

urban

Frequently Asked Questions

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