How Much Is Non-Owner Car Insurance?

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Updated: June 8, 2026

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Key Takeaways: Non-Owner Auto Insurance Costs
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Non-owner car insurance averages at $84 per month ($1,006 per year) nationally, far less than a standard full-coverage policy. Travelers, State Farm, GEICO and Kemper all offer non-owner policies for under $44 per month.

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Between the cheapest and most expensive insurers, non-owner rates vary by $157 per month. An SR-22 requirement adds another surcharge on top of whichever insurer you choose.

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Save $157 per month by choosing Kemper or State Farm ($43 per month) over Chubb ($200 per month) for the same minimum liability non-owner policy. Compare at least three quotes helps for reducing non-owner car insurance costs.

How Much Does Non-Owner Car Insurance Cost?

The national average for non-owner car insurance is $84 per month. Rates range from $43 per month (Kemper) to $200 per month (Chubb) for the same minimum liability policy, making insurer choice the biggest variable in what you'll pay. Non-owner insurance covers drivers who borrow or rent cars regularly but don't own a vehicle.

The same coverage costs up to $157 per month more with the wrong insurer. Finding the cheapest non-owner car insurance starts with knowing where your rate falls in the national spread.

What Affects Non-Owner Car Insurance Rates?

Non-owner rates vary by insurer, state and driving record, with coverage limits as the one factor you control directly. Insurers also weigh age, credit score and gender where state law permits. State minimum liability requirements set the floor, and local market conditions push rates above it in higher-cost states.

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    Your Insurer

    Rates for the same minimum liability non-owner policy range from $43 per month with Kemper to $200 per month with Chubb in our data. That's a $157 monthly difference for identical coverage. Comparing quotes from at least three insurers is the most reliable way to find where your rate falls in that spread, since the same driver profile produces different results at every carrier.

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    Driving Record

    An SR-22 requirement follows the driver, not the vehicle, so it adds a high-risk driver surcharge to any non-owner policy. A DUI with an SR-22 raises the average premium $729 per year over a clean record, a 66% increase. SR-22 status lasts three years in most states.

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    State of Residence

    State minimum liability limits and insurer pricing vary by market. Louisiana and Michigan drivers pay above the national average for non-owner policies due to higher accident rates and population density. States with lower minimum liability requirements produce lower baseline premiums, but less coverage. Where your state sets its minimums is the starting point for what you'll pay.

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    Coverage Limits

    Our data reflects state minimum liability only. Choosing higher limits, like 100/300 bodily injury ($100,000 per person, $300,000 per accident) or increased property damage coverage, raises your premium above the $84 per month average. A 50/100 bodily injury limit with $25,000 in property damage costs more than the minimum but covers significantly more of your exposure if you cause a serious accident. Weigh that cost against what you'd owe out of pocket in a worst-case claim. Drivers with assets to protect can extend coverage further with a non-owner umbrella policy, which adds liability protection above the non-owner policy limit.

How Much Does Non-Owner Car Insurance Cost by Provider?

Non-owner car insurance rates vary by $157 per month across the 12 insurers in MoneyGeek's nationwide data. Kemper and State Farm are the cheapest at $43 per month. Chubb is the most expensive at $200 per month. The seven insurers between $43 and $95 per month represent the most competitive part of the market for drivers with a clean record.

Kemper
$43
$517
State Farm
$43
$517
Travelers
$44
$522
GEICO
$44
$525
AIG
$54
$642
National General
$61
$729
Progressive
$68
$812
AAA
$95
$1,143
Nationwide
$113
$1,360
Farmers
$119
$1,431
Allstate
$123
$1,479
Chubb
$200
$2,401

Non-Owner Car Insurance Cost by Driving Record

Non-owner car insurance rates rise with violation severity, but insurers also weigh how recently and how often violations occurred, not just what they were. A single speeding ticket three years ago affects your rate less than two tickets in the past 18 months. A speeding ticket adds $149 per year over a clean record. An at-fault accident adds $258 per year. A DUI adds $729 per year and triggers an SR-22 requirement in most states, which adds a filing fee on top of the rate increase.

Clean
$84
$1,006
$0
Speeding (11-15 MPH over limit)
$96
$1,156
$149
At Fault Accident
$105
$1,264
$258
DUI (BAC >= .08)
$145
$1,735
$729

How to Get Cheaper Non-Owner Car Insurance

Comparing quotes from multiple insurers, keeping your driving record clean, choosing the right coverage limits, asking about bundling discounts and avoiding SR-22 requirements are the five fastest ways to reduce non-owner car insurance costs.

  1. 1
    Compare Quotes From Multiple Insurers

    Insurer choice creates the largest rate gap in our data for identical minimum liability coverage. Not all insurers offer non-owner policies, so confirm availability before comparing your options to find your best rate.

  2. 2
    Keep Your Driving Record Clean

    A clean record puts you at the $84 per month national average. A DUI adds $61 per month over that baseline and typically triggers an SR-22 requirement on top of the rate increase. Most insurers look back three to five years on your driving history.

  3. 3
    Choose the Right Coverage Limits

    MoneyGeek's data reflects state minimum liability coverage, the lowest-cost option at $84 per month on average. Higher limits reduce your out-of-pocket exposure if you cause a serious accident but raise your premium. Don't buy limits beyond what your assets require.

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    Ask About Bundling Discounts

    Some insurers discount non-owner policies when bundled with renters or homeowners coverage. Travelers, which ranked No. 1 in our non-owner analysis, has a broad product portfolio where bundling may apply. Ask specifically about non-owner bundling since not all agents will raise it proactively.

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    Avoid SR-22 Requirements

    An SR-22 requirement after a DUI, reckless driving conviction or license suspension adds $729 per year to your non-owner premium for as long as the filing is active, usually three years. The SR-22 itself is a certificate your insurer files with the state confirming you carry at least the minimum required liability coverage, even without a vehicle of your own. A clean record from the violation date forward is the only path out of the surcharge. Defensive driving courses or traffic school can reduce license points or satisfy court requirements in some states, but neither removes an SR-22 filing.

Frequently Asked Questions

MoneyGeek's non-owner car insurance rates are based on quotes sourced from Quadrant Information Services across 12 insurers for a single adult driver with no vehicle and a clean driving record. All premiums reflect state minimum liability coverage. Violation scenarios use the same baseline profile to show the isolated cost impact of a speeding ticket, at-fault accident or DUI. MoneyGeek Scores factor in affordability, customer satisfaction and claims handling.

For the complete breakdown of how we calculate average rates and score companies, see our full auto insurance methodology.

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.

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