How Much Is Non-Owner Car Insurance in 2024?

Non-owner car insurance costs around $414 a year for drivers with a clean record, but rates can jump to $576 after an at-fault accident.

This type of insurance is generally cheaper than standard policies because it usually includes only liability coverage and isn't tied to a specific car. Meanwhile, common rating factors like your age, driving history and location may also affect your premiums.

Across the country, the cheapest average providers of non-owner car insurance are GEICO and Travelers. You'll likely need to call insurance companies directly to get a quote, as they rarely advertise these policies online.

With a clean record, you'll likely pay about $414 a year for non-owner car insurance. With an accident in your recent driving history, your costs may rise to an annual average of $576, a 39% increase.

For a liability-only policy, the average annual cost with a clean record is $488, or 18% more than a non-owner policy. A recent accident bumps that amount up to $741, making it 29% pricier than non-owner coverage.

Non-owner car insurance policies are generally cheaper than policies for car owners because:

• Non-owner policies are liability only
• The policy isn't tied to a car

Unlike standard policies, non-owner insurance usually includes only liability coverage. And because a non-owner policy covers the driver instead of the car, you can't get a full coverage non-owner policy with collision and comprehensive insurance.

Much like standard auto insurance policies, your age, gender, driving history, credit record and where you live play a role in determining your non-owner insurance cost. If you need high-risk car insurance, you'll likely face higher premiums than a driver with a clean driving record.

Non-owner car insurance costs vary significantly by state, and the most competitive provider at a national level may not be the best option in your area. As you make your insurer selection, consider regional providers who may specialize in specific states or locations and offer superior customer service at attractive prices.

The table below aims to help you identify your state's most cost-effective non-owner car insurance for a minimum liability-only policy. Explore the best non-owner insurance choices available in your location by finding your state, ensuring you get the right coverage at the right price.

Michigan has the highest average annual premium at $1,340, while Wyoming is the lowest at $112. High premiums often correlate with factors like heavy traffic and costly health care. Conversely, low premiums usually mean less congestion and lower health care costs.

Non-owner car insurance usually covers just the basic state minimum requirements. Depending on your state, it might include:

• Bodily injury liability
• Personal damage liability
• Personal injury protection
• Uninsured/underinsured motorist coverage

Because these policies are tied to the driver and not to one specific car, you can't stack collision or comprehensive insurance, and you also typically can't add extras like rental reimbursement, accident forgiveness or emergency roadside assistance.

Non-owner car insurance protects the other driver and their vehicle if you cause an accident. Suppose you're borrowing a car already insured and the owner's policy has a permissive use clause. In that case, your non-owner insurance serves as a backup, providing you with secondary coverage. In such cases, the owner's insurance would cover initial damages, and your non-owner policy would kick in to cover any remaining costs.

A non-owner car insurance policy is best for drivers who don't own a car, frequently rent or borrow different vehicles, or are currently without a car. However, if you regularly borrow the same car or share a household with the car's owner, joining the owner's existing policy could be more suitable for you.

Major insurers that offer non-owner car insurance include:

• 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

Insurers typically don't provide online quotes or display details about their non-owner car insurance policies on their websites. You'll likely need to call and speak with an exclusive or independent agent to get information as non-owner car insurance cannot be purchased online. Meanwhile, if you need help finding high-risk car insurance, an independent insurance broker can help you explore your options.

The cheapest average non-owner car insurance companies are:

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

GEICO and Travelers offer the most affordable non-owner policies. Note that GEICO does not advertise it on its company website, while Travelers promotes it as one of its coverage options. Regardless, the best way to get the non-owner coverage you need is to get in touch with a company agent on the phone.

The most effective way to collect quotes for a non-owner car insurance policy is to get in touch with an insurance company or an agent directly. Extend your search to local car insurance companies to find the best deals.

Whether you're wondering, "How much is non-owner car insurance?" or have questions about policy options, we've got you covered. We have straightforward answers to your pressing questions.