Best Cheap Non-Owner Car Insurance Companies & Quotes


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Key Takeaways

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GEICO offers the cheapest non-owner car insurance at $463 annually with excellent digital tools and nationwide availability.

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State Farm provides competitive rates at $525 per year with personalized agent service and strong bundling discounts.

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Non-owner policies save drivers $74 annually compared to standard minimum coverage, with clean records averaging $414 yearly.

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Best Cheap Non-Owner Car Insurance

The best cheap non-owner car insurance is offered by GEICO at $39 monthly, Travelers at $43 monthly, State Farm at $44 monthly, Progressive at $53 monthly, Nationwide at $58 monthly, Allstate at $63 monthly, Farmers at $67 monthly.

GEICO$39$46386
Travelers$43$51186
State Farm$44$52585
Progressive$53$63881
Nationwide$58$69879
Allstate$63$75278
Farmers$67$80177

Cheapest Non-Owner Car Insurance by State

Auto-Owners Insurance Co offers the cheapest non-owner car insurance in 12 states, making it the most widely available budget option. GEICO and Travelers also provide competitive rates in several states, while State Farm, Kemper, and Nationwide, round out the cheapest options in the remaining states. Check the table below to find your state's cheapest minimum coverage provider.

ArizonaAuto-Owners Insurance Co$28$342
ConnecticutKemper$31$377
District of ColumbiaGEICO$22$267
FloridaGEICO$41$493
GeorgiaAuto-Owners Insurance Co$22$266
IdahoAuto-Owners Insurance Co$11$126
IllinoisAuto-Owners Insurance Co$20$245
IndianaAuto-Owners Insurance Co$13$159
KentuckyAuto-Owners Insurance Co$24$287
MassachusettsState Farm$26$308
MichiganTravelers$15$177
MinnesotaAuto-Owners Insurance Co$19$228
NebraskaAuto-Owners Insurance Co$15$174
New JerseyGEICO$36$438
New MexicoState Farm$27$329
New YorkKemper$37$442
North CarolinaNationwide$22$261
PennsylvaniaTravelers$23$276
South CarolinaAuto-Owners Insurance Co$27$319
TennesseeAuto-Owners Insurance Co$14$171
VirginiaAuto-Owners Insurance Co$21$250

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 Non-Owner Car Insurance by State

Auto-Owners Insurance Co offers the best non-owner insurance in 5 states with consistently high scores, ranging from 78 to 88 out of 100. Travelers, GEICO, and Nationwide provide the top-rated coverage in the remaining states. See the table below for the best insurance providers offering minimum coverage by state.

ArizonaAuto-Owners Insurance Co82$28$342
FloridaGEICO73$41$493
GeorgiaAuto-Owners Insurance Co88$22$266
IllinoisAuto-Owners Insurance Co78$20$245
MinnesotaAuto-Owners Insurance Co78$19$228
New JerseyTravelers77$59$706
North CarolinaNationwide79$22$261
PennsylvaniaTravelers83$23$276
South CarolinaAuto-Owners Insurance Co88$27$319

Best Cheap Non-Owner Car Insurance Company Reviews

Our top-rated affordable non-owner insurers excel in different areas. GEICO leads with the best overall value and digital convenience, State Farm offers superior localized agent service, and Progressive specializes in SR22 requirements. Read our comprehensive reviews below for detailed analysis of each company.

GEICO: Best Overall Value

Company logo for GEICO
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.

State Farm: Best For Localized Agents

Company logo for State Farm
State Farm
MoneyGeek Score:
85/ of 100

Monthly Premium$44
Annual Premium$525
Overview

State Farm non-owner car insurance costs $25-40 monthly, offering affordable liability coverage for drivers who borrow cars, rent vehicles, or need continuous coverage and prefer to work with local agents.

Progressive: Best For Drivers With SR22 Requirements

Company logo for Progressive
Progressive
MoneyGeek Score:
81/ of 100

Monthly Premium$53
Annual Premium$638
Overview

Progressive non-owner car insurance costs $25-45 monthly, providing flexible liability coverage for drivers who need SR22 filing, borrow vehicles frequently, or want customizable coverage options through their digital platform and agent network nationwide.

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How to Get Cheap Non-Owner Insurance

Finding affordable non-owner car insurance requires comparing quotes from multiple providers since rates vary significantly between companies. 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. Follow these steps to secure the lowest rates available.

  1. 1

    Determine if you 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. 2

    Research companies offering non-owner coverage

    Contact GEICO, State Farm, Travelers, Progressive and Farmers first since these insurers offer the most competitive rates. Avoid companies that don't actively write non-owner policies as they typically charge higher premiums.

  3. 3

    Gather the necessary information

    Prepare your driver's license number, Social Security number, current address and previous insurance history. Have details about any violations, accidents or coverage gaps from the past five years ready for underwriting questions and any required documentation for SR-22 or other legal filings.

  4. 4

    Request multiple quotes to compare pricing and coverage options

    Call each company directly since online quotes aren't available for non-owner policies. Ask specifically about multi-policy discounts, good driver rates and any available promotions that could lower your premium. Ensure you're comparing identical coverage limits between insurers and consider your state's minimum requirements as your baseline.

  5. 5

    Ask about available discounts

    Request information about, military discounts, bundling opportunities and continuous coverage credits. These discounts can reduce premiums with qualifying insurers.

  6. 6

    Review policy terms and conditions

    Understand exactly what's covered and excluded in your policy. Non-owner insurance doesn't cover the vehicle you're driving or your own injuries, only liability for damage you cause to others.

  7. 7

    Purchase the policy and keep the 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.

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.

Driver Profile
Non-Owner Annual Rate
Standard Annual Rate
Non-Owner Annual Savings

Clean Record

$414

$488

$74

At-Fault Accident

$576

$741

$165

DUI/Major Violation

$892

$1,156

$264

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:

Jun 22, 2025

Insurance Carrier
MoneyGeek Score
Average Monthly
Payment
1
Capital Insurance Group

Capital Insurance Group

94
/of 100
$87
2
GEICO

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
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How to Choose the Best Non-Owner Car Insurance Company

Selecting the highest-quality non-owner car insurance company requires evaluating factors beyond just price. Here's your comprehensive guide to finding superior coverage and service.

  1. 1

    Evaluate financial strength and stability

    Look for A.M. Best ratings of A+ or higher to ensure the company can pay claims. State Farm, GEICO, and USAA have A++ ratings, while Progressive has an A+. Avoid companies with ratings below A- as they may struggle during economic downturns.

  2. 2

    Asses customer service quality

    GEICO and Progressive focus on mobile apps and online management, while State Farm emphasizes local agent relationships Your preference for self-service versus personal assistance should guide this choice.

  3. 3

    Evaluate coverage options and add-ons

    When choosing the best non-owner car insurance company, evaluate how each insurer's coverage approach fits your needs. Progressive offers extensive add-ons and policy flexibility, while GEICO focuses on streamlined, efficient processing.

  4. 4

    Compare digital capabilities

    Mobile app functionality varies across companies—GEICO provides comprehensive claim management tools, Progressive offers photo estimates with real-time updates, and State Farm integrates app features with agent services.

  5. 5

    Review claims satisfaction

    When choosing the best non-owner car insurance company, consider claims handling quality: Filing method preferences have shifted—digital claims submission now receives higher satisfaction scores than traditional phone reporting across the industry. Choose companies that offer your preferred claims reporting method and have strong performance records in your area.

  6. 6

    Match specialization to your needs

    Drivers requiring SR22 filing benefit from Progressive's expertise, while  tech-oriented customers may prefer GEICO's digital focus, and those wanting personal relationships should consider State Farm's agent network. Choose companies whose specialized strengths align with your specific insurance requirements and service preferences.

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.

    car2 icon

    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.

    insurance2 icon

    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.

    rideshare icon

    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.

    car icon

    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.

    carVsCar icon

    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.

    uninsured icon

    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.

    carColored icon

    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?

What company offers the best non-owner car insurance?

Can you get insurance if you don’t own a car?

What does non-owner car insurance cover?

Is it better to get non-owner auto insurance or a policy from the rental company?

Where can you buy non-owner auto insurance?

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.

Cheap Non-Owner Auto Insurance: Related Articles

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.


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