The cheapest non-owner car insurance provider varies based on several factors. On average, GEICO offers the most affordable minimum coverage. Below are the best rates for non-owner policies.
Auto Insurance
Cheapest Non-Owner Car Insurance
Updated: April 10, 2025
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Key Takeaways
State Farm is the most affordable option for non-owner SR-22 insurance, with an average rate of $603 per year or $50 per month.
GEICO is the best non-owner car insurance company, with a MoneyGeek score of 86 out of 100.
Non-owner car insurance costs an average of $414 yearly for drivers with clean records and $576 for those with at-fault accidents.
What Is the Cheapest Non-Owner Car Insurance?
Cheapest Non-Owner Car Insurance Companies
GEICO's average annual non-owner car insurance costs $463 for minimum coverage. Your actual rates may differ based on the company and your personal factors. Find the lowest rates for the average driver in the table below.
| GEICO | $39 | $463 |
| Travelers | $43 | $511 |
| State Farm | $44 | $525 |
| Progressive | $53 | $638 |
| Nationwide | $58 | $698 |
| Allstate | $63 | $752 |
| Farmers | $67 | $801 |
Cheapest Non-Owner Car Insurance by State
USAA offers the cheapest non-owner car insurance in 30 states, but only retired service members and their families qualify. GEICO and Travelers provide good alternatives for everyone else.
Check the table below to find your state's cheapest minimum coverage provider. Click your state to explore non-owner policies, providers and options.
| Alabama | USAA | $22 | $259 |
| Alaska | USAA | $21 | $249 |
| Arizona | Auto-Owners | $28 | $342 |
| Arkansas | USAA | $18 | $211 |
| California | USAA | $27 | $326 |
| Colorado | USAA | $24 | $289 |
| Connecticut | Kemper | $31 | $377 |
| Delaware | USAA | $32 | $385 |
| District of Columbia | GEICO | $22 | $267 |
| Florida | GEICO | $41 | $493 |
| Georgia | Auto-Owners | $22 | $266 |
| Hawaii | USAA | $18 | $213 |
| Idaho | Auto-Owners | $11 | $126 |
| Illinois | Auto-Owners | $20 | $245 |
| Indiana | Auto-Owners | $13 | $159 |
| Iowa | USAA | $14 | $171 |
| Kansas | USAA | $14 | $173 |
| Kentucky | Auto-Owners | $24 | $287 |
| Louisiana | USAA | $48 | $576 |
| Maine | USAA | $16 | $189 |
| Maryland | USAA | $28 | $330 |
| Massachusetts | State Farm | $26 | $308 |
| Michigan | Travelers | $15 | $177 |
| Minnesota | Auto-Owners | $19 | $228 |
| Mississippi | USAA | $21 | $246 |
| Missouri | USAA | $13 | $157 |
| Montana | USAA | $11 | $131 |
| Nebraska | Auto-Owners | $15 | $174 |
| Nevada | USAA | $38 | $451 |
| New Hampshire | USAA | $14 | $167 |
| New Jersey | GEICO | $36 | $438 |
| New Mexico | State Farm | $27 | $329 |
| New York | Kemper | $37 | $442 |
| North Carolina | Nationwide | $22 | $261 |
| North Dakota | USAA | $9 | $112 |
| Ohio | USAA | $14 | $168 |
| Oklahoma | USAA | $21 | $256 |
| Oregon | USAA | $33 | $398 |
| Pennsylvania | Travelers | $23 | $276 |
| Rhode Island | USAA | $24 | $292 |
| South Carolina | Auto-Owners | $27 | $319 |
| South Dakota | USAA | $10 | $124 |
| Tennessee | Auto-Owners | $14 | $171 |
| Texas | USAA | $28 | $341 |
| Utah | USAA | $23 | $278 |
| Vermont | USAA | $10 | $122 |
| Virginia | Auto-Owners | $21 | $250 |
| Washington | USAA | $23 | $279 |
| West Virginia | USAA | $15 | $177 |
| Wisconsin | USAA | $14 | $163 |
| Wyoming | USAA | $9 | $112 |
Cheapest Non-Owner Car Insurance With an SR-22
If you need an SR-22 or FR-44 certificate of financial responsibility, State Farm is the most affordable option, averaging $603 per year or $50 per month. Check the table below to compare car insurance companies by their annual and monthly premiums.
| State Farm | $50 | $603 |
| Travelers | $57 | $682 |
| GEICO | $60 | $720 |
| Nationwide | $73 | $872 |
| Allstate | $81 | $969 |
| Progressive | $82 | $983 |
| Farmers | $98 | $1,180 |
*Note: USAA offers the most affordable option for drivers with a serious at-fault accident at about $439. However, only active and retired military members and their families can qualify for USAA coverage.
Best Cheap Non-Owner Car Insurance
The best non-owner car insurance company for most drivers is GEICO. It offers great customer service, claim satisfaction, financial stability and affordable rates.
GEICO
MoneyGeek Score:
86/ of 100
Monthly Premium$39
Annual Premium$463
Overview
GEICO offers great value for non-owner car insurance with affordable policies, strong financial stability and excellent customer service. It provides efficient claims handling and liability protection for drivers of rented or borrowed cars. GEICO's online resources and discounts simplify the insurance process.
Best Non-Owner Car Insurance Companies
GEICO is the highest-rated non-owner car insurance provider, with a MoneyGeek score of 86 out of 100. The table below compares top providers and their average annual premiums to help you find the best policy.
| GEICO | 86 | $39 | $463 |
| Travelers | 86 | $43 | $511 |
| State Farm | 85 | $44 | $525 |
| Progressive | 81 | $53 | $638 |
| Nationwide | 79 | $58 | $698 |
| Allstate | 78 | $63 | $752 |
| Farmers | 77 | $67 | $801 |
Best Non-Owner Car Insurance by State
USAA offers the best non-owner insurance in 41 states and Washington, D.C. However, it serves only active and retired military members and their families. See the table below for the best insurance providers offering minimum coverage by state.
| Alabama | USAA | 85 | $22 | $259 |
| Alaska | USAA | 81 | $21 | $249 |
| Arizona | Auto-Owners | 82 | $28 | $342 |
| Arkansas | USAA | 85 | $18 | $211 |
| California | USAA | 84 | $27 | $326 |
| Colorado | USAA | 85 | $24 | $289 |
| Connecticut | USAA | 84 | $33 | $393 |
| Delaware | USAA | 85 | $32 | $385 |
| District of Columbia | USAA | 83 | $26 | $314 |
| Florida | GEICO | 73 | $41 | $493 |
| Georgia | Auto-Owners | 88 | $22 | $266 |
| Hawaii | USAA | 81 | $18 | $213 |
| Idaho | USAA | 80 | $14 | $162 |
| Illinois | Auto-Owners | 78 | $20 | $245 |
| Indiana | USAA | 85 | $13 | $162 |
| Iowa | USAA | 85 | $14 | $171 |
| Kansas | USAA | 85 | $14 | $173 |
| Kentucky | USAA | 83 | $30 | $357 |
| Louisiana | USAA | 85 | $48 | $576 |
| Maine | USAA | 85 | $16 | $189 |
| Maryland | USAA | 85 | $28 | $330 |
| Massachusetts | USAA | 79 | $37 | $443 |
| Michigan | USAA | 84 | $27 | $329 |
| Minnesota | Auto-Owners | 78 | $19 | $228 |
| Mississippi | USAA | 85 | $21 | $246 |
| Missouri | USAA | 85 | $13 | $157 |
| Montana | USAA | 85 | $11 | $131 |
| Nebraska | USAA | 81 | $19 | $226 |
| Nevada | USAA | 85 | $38 | $451 |
| New Hampshire | USAA | 85 | $14 | $167 |
| New Jersey | Travelers | 77 | $59 | $706 |
| New Mexico | USAA | 78 | $29 | $346 |
| New York | USAA | 78 | $58 | $695 |
| North Carolina | Nationwide | 79 | $22 | $261 |
| North Dakota | USAA | 85 | $9 | $112 |
| Ohio | USAA | 85 | $14 | $168 |
| Oklahoma | USAA | 85 | $21 | $256 |
| Oregon | USAA | 85 | $33 | $398 |
| Pennsylvania | Travelers | 83 | $23 | $276 |
| Rhode Island | USAA | 85 | $24 | $292 |
| South Carolina | Auto-Owners | 88 | $27 | $319 |
| South Dakota | USAA | 85 | $10 | $124 |
| Tennessee | USAA | 83 | $17 | $199 |
| Texas | USAA | 85 | $28 | $341 |
| Utah | USAA | 85 | $23 | $278 |
| Vermont | USAA | 85 | $10 | $122 |
| Virginia | USAA | 85 | $21 | $253 |
| Washington | USAA | 85 | $23 | $279 |
| West Virginia | USAA | 85 | $15 | $177 |
| Wisconsin | USAA | 85 | $14 | $163 |
| Wyoming | USAA | 85 | $9 | $112 |
Cheap Non-Owner Car Insurance: Buying Guide
Review the guide below to find the best non-owner car insurance for your needs. It will help you create a plan that fits your budget while providing the coverage you need.
How to Get Non-Owner Car Insurance
Unlike standard car insurance, most companies don't offer online quotes for non-owner insurance. You must call and speak directly with an insurance agent for a quote.
- 1
Determine your need for non-owner insurance
Assess your driving habits to confirm whether non-owner insurance is right for you. This type of coverage is ideal if you frequently rent cars, borrow vehicles or need SR-22 for legal reasons.
- 2
Gather necessary information
To speed up the application process, prepare your driver’s license, driving record details and any required documentation for SR-22 or other legal filings.
- 3
Compare providers and policies
Research multiple insurance companies that offer non-owner coverage. Compare rates, coverage limits and additional benefits to find the most affordable and comprehensive policy.
- 4
Get a quote and customize your policy
Call insurers and request quotes from the providers you’ve shortlisted. Work with their representatives to customize your policy based on coverage limits, state requirements and certain needs, such as liability limits for rentals.
- 5
Purchase the policy and keep documentation handy
Finalize your choice, purchase the policy and ensure you receive a copy. Keep this document readily available, especially if you must present proof of insurance for legal or rental purposes.
Getting a non-owner policy involves steps similar to standard auto insurance, but you'll likely have more direct contact with insurance agents to ensure the policy meets your needs.
Average Cost of Non-Owner Car Insurance
Non-owner car insurance with minimum coverage costs about $414 yearly for drivers with clean records, compared to $488 for standard minimum coverage — saving you $74.
If you have an accident on your record, you'll pay around $576 for a non-owner policy versus $741 for standard coverage — saving $165 annually.
| Clean | $414 | $488 |
| Accident $1000-$1999 Prop Dmg | $576 | $741 |
Compare Non-Owner Car Insurance Quotes
Car insurance costs depend on various factors. Getting quotes from multiple providers can help you accurately estimate your premiums. Use MoneyGeek's calculator below for a quick comparison.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
$192
High
$139
Average
$87
Low
Rates updated:
Apr 24, 2025
| Insurance Carrier | MoneyGeek Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 |
| 2 |  GEICO | 82 /of 100 | $109 |
| 3 | 83 /of 100 | $118 | |
| 4 | 83 /of 100 | $129 | |
| 5 | 79 /of 100 | $133 | |
| 6 | 77 /of 100 | $151 |
1
Capital Insurance Group
MoneyGeek Score
94
/of 100
Average Monthly Payment$87/mo
2
GEICO
MoneyGeek Score
82
/of 100
Average Monthly Payment$109/mo
MoneyGeek Score
83
/of 100
Average Monthly Payment$118/mo
MoneyGeek Score
83
/of 100
Average Monthly Payment$129/mo
MoneyGeek Score
79
/of 100
Average Monthly Payment$133/mo
MoneyGeek Score
77
/of 100
Average Monthly Payment$151/mo
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
What Is Non-Owner Car Insurance?
Non-owner car insurance, also called non-owner liability insurance, covers property damage and bodily injury to others if you're responsible for an accident while driving a car you don't own. It doesn't cover damage to the vehicle you're driving or your injuries.
You can add coverage for:
- Medical payments
- Personal injury protection
- Uninsured/underinsured motorists
- Rental car liability
This type of insurance is best if you regularly borrow or rent cars or need minimum coverage to reinstate your license.
Non-Owner Car Insurance vs. Standard Car Insurance
Unlike standard policies tied to specific vehicles, non-owner insurance follows the driver and typically meets only your state's minimum car insurance requirements. The table below shows what each type of policy covers.
Coverage | Standard Car Insurance | Non-Owner Car Insurance |
|---|---|---|
Liability insurance | Yes | Yes |
Medical payments coverage | Yes | Yes |
Personal injury protection | Yes | Yes |
Uninsured/underinsured motorist coverage | Yes | Yes |
Yes | Yes | |
Collision insurance | Yes | No |
Comprehensive insurance | Yes | No |
Who Should Get Non-Owner Car Insurance?
Non-owner car insurance suits those who often rent or borrow cars, require one-day coverage or need proof of insurance like an SR-22 or FR-44 to reinstate their license. It typically meets state minimum coverage requirements and is more affordable than standard policies.
Borrowing or renting a car regularly
Non-owner insurance can save frequent renters money compared to rental car insurance, which becomes costly over time. Confirm with your insurer if your policy covers rental car liability.
This insurance also offers peace of mind when borrowing a friend's vehicle. However, if you live with the owner or borrow the same car often, you may need to be added to their policy as a listed driver.
Seeking low-cost proof of insurance
If your license is suspended due to a severe traffic violation, you may need an SR-22 or FR-44 form to reinstate it. Non-owner insurance is often an affordable way to meet this requirement if you don’t own a car. Only your insurer can file these forms, and not all companies provide this service, so confirm availability before choosing a policy.
Using a car-sharing service
If you drive a vehicle from a car-sharing service, a non-owner insurance policy provides extra coverage beyond what services like Uber offer.
Driving a company-sponsored car
Consider non-owner insurance if you drive a company-provided car. It can supplement the company's insurance, offering extra protection for injuries and property damage in emergencies.
Buying and selling cars frequently
Insurers may penalize gaps in coverage when switching cars. Non-owner insurance can maintain continuous coverage during transitions without owning a vehicle, offering an affordable and simple solution.
Who Shouldn't Get Non-Owner Car Insurance?
Non-owner insurance may not be necessary if you rarely drive and occasionally borrow a vehicle. In these cases, the owner's insurance typically covers accidents.
If you don’t own a car and rarely drive
Non-owner insurance isn’t needed if you rarely drive and don’t own a vehicle. The owner's insurance typically covers the damage if you have an accident while borrowing someone's car. Confirm coverage details with the insurer.
If you often borrow a relative or housemate’s car
If you don't own a vehicle but frequently drive one belonging to your roommate or family member, non-owner insurance may not be the best option. It's better to have your name added to their auto insurance policy as a listed driver, especially if you live with the car owner.
Cheapest Non-Owner Auto Insurance: Bottom Line
Non-owner insurance is cost-effective for those who don't own a vehicle but frequently rent or borrow cars and need minimum coverage. It offers financial security at a lower cost, especially for those who need proof of insurance without owning a car.
This article highlights the cheapest and best providers to help you find options that balance affordability and financial protection. Comparing top insurers like GEICO, Travelers, State Farm and USAA can help. Get quotes from at least three providers when shopping around.
Non-Owner Car Insurance: FAQ
We answer frequently asked questions about non-owner car insurance to help you decide if it fits your needs.
What company offers the cheapest non-owner car insurance?
GEICO offers the most budget-friendly non-owner car insurance at $463 annually or $39 monthly for minimum coverage. Travelers is also affordable at $511 per year or $43 per month.
What company offers the best non-owner car insurance?
GEICO has the best non-owner car insurance, with a MoneyGeek score of 86 out of 100.
Can you get insurance if you don’t own a car?
You can get non-owner car insurance if you frequently rent or borrow cars or need to reinstate your license with proof of insurance like an SR-22 or FR-44.
What does non-owner car insurance cover?
Non-owner insurance typically covers property damage and bodily injury to others. It doesn't cover damage to the car you're driving or your injuries. It excludes collision, comprehensive, accident forgiveness, roadside assistance or rental car reimbursement options.
Is it better to get non-owner auto insurance or a policy from the rental company?
Non-owner insurance is often more cost-effective than rental company policies, especially if you rent cars frequently.
Where can you buy non-owner auto insurance?
You'll usually need to speak directly with an insurance agent to get a quote. Companies like USAA, GEICO and Travelers offer non-owner policies. USAA coverage is exclusive to military community members.
Best Non-Owner Car Insurance Rates: Our Review Methodology
Data Depth and Overview
MoneyGeek analyzed 12,128 quotes from 319 companies across 204 ZIP codes to find the cheapest car insurance for various driver profiles.
Driver Profiles
MoneyGeek created an average driver profile to collect rates:
- 40-year-old male
- Clean driving record
- 2010 Toyota Camry LE
- 12,000 miles driven annually
We modified this profile based on age, location and driving history for specific driver characteristics. For non-owners needing an SR-22, we added an accident with $1,000 to $1,999 in property damage.
Defining Minimum Coverage
Each state sets minimum coverage requirements. For national recommendations, we use an average of all state minimums. State-specific recommendations use only that state's required liability limits.
How We Ranked Best Providers
MoneyGeek ranked providers using AM Best, J.D. Power, the CRASH Network report card and quote data from Quadrant Information Services and state insurance departments.
Our scoring system used these weights:
- Affordability: 40%
- Customer satisfaction: 25%
- Claim satisfaction: 20%
- Coverage offerings: 10%
- Financial stability: 5%
These factors create an overall score out of 100.
Learn more about MoneyGeek's auto insurance methodology.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.