Best Cheap Non-Owner Car Insurance 2024

Most major insurers offer non-owner liability insurance, which is typically cheaper than regular car insurance. The best and cheapest non-owner car insurance for most drivers is from GEICO at $463 per year or $39 per month. If you need to file an SR-22 or FR-44 certificate of financial responsibility with your non-owner policy, the cheapest option is State Farm, at an average cost of $601 per year or $50 per month.

Non-owner car insurance provides liability coverage for property damage or bodily injury to others if you are at fault in a car accident. It does not offer collision, comprehensive or other coverages included in a full coverage policy. Non-owner car insurance is suitable for individuals who frequently drive but don’t own a vehicle, including those who often use rental cars.

The best non-owner car insurance offers great customer service, claim satisfaction and financial stability, all at an affordable rate. The best non-owner car insurance companies for most drivers are:

• GEICO: $463 annually, $39 monthly
• Travelers $511 annually, $43 monthly

As you comparison shop for the best non-owner policy, you need to consider how much insurance you need, as raising or lowering your limits will impact the cost of your policy.

To determine the best non-owner car insurance, MoneyGeek gathered data from J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC) and Quadrant Information Services and created a weighted ranking scoring system. Learn more about our study and weighted ranking system in our methodology.

The best non-owner insurance at a national level may not be the best in your state. Some insurance providers may only offer certain services to select states or locations, and costs can vary widely across states.

Review the table below to find the best non-owner car insurance company for a state minimum liability-only policy. Click on your state to learn more about the best non-owner insurance options for your location.

Comparison shopping for cheap non-owner car insurance can save you over $300 on your annual premiums on average. The cheapest non-owner car insurance options for state minimum liability-only coverage are:

• GEICO at $463 per year, $39 per month
• Travelers at $511 per year, $43 per month

These quotes represent national averages. We recommend requesting quotes from at least two companies to compare, as your quote may vary due to your driving history and location.

Car insurance offerings and rates vary by state, so while GEICO and Travelers might be the cheapest at a national level, the cheapest non-owner car insurance where you live may vary.

Use the table below to see the cheapest non-owner car insurance provider for a state minimum liability-only in your state. Click your state to explore more non-owner car insurance policies, providers and options for where you live.

The cheapest non-owner car insurance companies for most drivers with violations are:

• State Farm at $601 per year, $50 per month
• Travelers at $674 per year, $56 per month

Overall, the most affordable company for non-owner car insurance for those with a serious at-fault accident on their record is USAA at roughly $439 per year. However, USAA only offers insurance to active and retired military members and their families.

Drivers who have committed a serious driving violation, such as a serious accident or DUI, may need proof of insurance or an FR-44 or SR-22 to get their license reinstated. If you no longer own a car, a non-owner SR-22 car insurance policy or FR-44 policy could provide the coverage you need. Drivers who need to file an SR-22 or FR-44 for a non-owner policy can save over $700 annually, on average, by comparison shopping to find the cheapest rate.

Non-owner car insurance, also called non-owner liability insurance, covers property damage and bodily injury to others if you are found liable for a car accident when driving a car that is not your own. It does not cover damage to the car you are driving or your own injuries. You can also add coverage for medical payments, personal injury protection, uninsured or underinsured drivers and rental car liability.

Non-owner car insurance is a good choice if you often borrow someone else's car, frequently rent cars or need liability insurance to get your driver's license reinstated. These policies are typically less expensive than regular car insurance. The average cost of a state minimum liability-only policy for non-owner car insurance is $448 per year, compared to roughly $490 per year for a standard policy.

Compared to standard auto insurance policies, non-owner car insurance typically offers just the state minimum car insurance requirements. Unlike standard policies where coverage is tied to a specific vehicle, non-owner car insurance follows the driver.

The national average cost of non-owner car insurance for a state minimum liability-only policy and a clean driving record is $448 per year versus $490 for standard liability-only car insurance — a difference of $42.

If you have an accident on your record, a standard state minimum liability-only policy costs $717 on average. A non-owner policy for the same driver would cost $579 — a difference of $138 annually. You might be able to save even more by shopping around for non-owner insurance.

Unlike for standard car insurance, most car insurance companies won’t provide a non-owner insurance quote online. Therefore, to get a non-owner insurance quote, you will need to call and speak with an insurance agent:

• USAA: 800-531-8722
• GEICO: 800-207-7847
• Travelers: 866-248-9970
• State Farm: 800-782-8332
• Farmers: 888-327-6335
• Progressive: 888-671-4405
• Nationwide: 877-669-6877
• MetLife: 800-422-4272

Though finalizing your policy generally requires the same steps as standard auto insurance, you'll likely have more one-on-one interactions with insurance agents to ensure the policy fits your needs.

Non-owner car insurance is a good fit for people who frequently rent or borrow cars, need a one-day car insurance policy or need to reinstate their licenses with proof of insurance, such as an SR-22 or FR-44. It offers state minimum car insurance requirements and is generally less expensive than standard auto insurance.

If you rarely drive and don't own a car but occasionally borrow one, non-owner insurance isn't for you because the car owner's insurance usually covers accidents. If you frequently borrow a car from a relative or housemate, or drive a company car, it's often more appropriate to be added to their insurance policy or rely on your employer's insurance.

MoneyGeek answered your most pressing questions about specialized non-owner insurance to help you decide if it's right for you.