Best Cheap Non-Owner Car Insurance Companies and Quotes

GEICO offers the best cheap non-owner car insurance company, with quotes starting at $468 annually. Travelers is $511 and State Farm is $525.

Find out if you're overpaying for non-owner car insurance below.

Written by Mark Fitzpatrick

Updated: December 10, 2025

Advertising & Editorial Disclosure

Key Takeaways

GEICO offers the best and cheapest non-owner car insurance at $468 annually with excellent digital tools and nationwide availability.

State Farm is the third-cheapest non-owner car insurance company, with quotes averaging $525 per year.

Non-owner policies save drivers $74 annually compared to standard minimum coverage, with clean record quotes averaging $414 yearly for liability-only protection.

Budget-conscious drivers can secure comprehensive non-owner coverage from the best and cheapest companies through cost-effective insurance, with liability protection starting under $40 monthly.

Best Non-Owner Car Insurance Companies

We examined seven insurers to find the best balance of cost and service. USAA offers the most affordable rates at $25 monthly, though membership is limited to military families. GEICO provides the best value for most drivers at $39 monthly for full coverage, $269 in annual savings compared to more expensive options while earning a MoneyGeek score of 86 out of 100.

Travelers charges $43 monthly but delivers broader coverage options with a score of 4 out of 5, while State Farm's $44 premium grants access to 19,000 agent locations for drivers who prefer in-person service. Progressive costs $53 monthly due to its specialized SR-22 expertise for high-risk drivers.

What Is the Cheapest Non-Owner Car Insurance?

Click below to instantly see the cheapest non-owner car insurance based on your driving profile:

Cheapest Non-Owner Car Insurance by State

Cheapest Non-Owner Car Insurance by Age

Cheapest Non-Owner SR-22 Car Insurance


GEICO	Best Overall Value	86	$39	$72
Travelers	Best for Young Adults	86	$43	$74
State Farm	Best for Seniors	85	$44	$77
Progressive	Best for SR-22 Insurance	81	$53	$97
Allstate	Best for Full Coverage	79	$63	$96

*USAA offers the most affordable rates at $25 monthly, though membership is limited to military families.

Why You Can Trust MoneyGeek

We evaluated each company based on three quality dimensions that impact your actual experience beyond just premium costs. Customer experience scores gauge how well insurers manage phone calls, mobile app features and claim filing processes. Coverage scores indicate the policy options and add-ons each company provides beyond basic state minimums. Affordability scores demonstrate how competitive their rates are compared to other insurers, though these top-rated providers don't always have the lowest premiums in every state.

GEICO: Best Overall Value

GEICO

MoneyGeek Score:

86/ 100

Avg Monthly Premium - State Minimum$39

Avg Monthly Premium - Full Coverage$72

Overview

With a MoneyGeek score of 86 out of 100, GEICO provides affordable premiums combined with reliable service. Average annual premiums are $468 (17% less than most competitors)while the company maintains a customer experience score of 4 out of 5 from initial quotes through final claim processing.

Lower premiums don't mean sacrificing quality. GEICO's business model reduces costs by streamlining operations instead of cutting corners on service. The 24/7 mobile app manages everything from policy adjustments to claim submissions via photo uploads.

GEICO processes most claims within 48 hours through its mobile app system. The company's A++ financial strength rating from A.M. Best supports that speed with reliability: GEICO can pay claims even during economic downturns.

Discounts Offered

GEICO's discount system rewards proactive choices. The early quote discount benefits anyone who plans ahead, while federal employee programs go beyond military-only restrictions.

Defensive driving course: Cut premiums 10% after completing approved safety programs
Federal employee discount: Government and military workers save 8% without needing USAA membership
Early quote discount: Start your quote a week before coverage begins and save 7%
Multi-policy bundling: Combine with renters, life or other policies for 13% savings
Paid-in-full discount: Pay six months upfront instead of monthly and reduce costs 5%
Paperless discount: Choose electronic documents and billing to cut another 5%

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Cheapest Rates>

Travelers: Best for Young Adults Without a Car

Travelers

MoneyGeek Score:

86/ 100

Avg Monthly Premium - State Minimum$43

Avg Monthly Premium - Full Coverage$74

Overview

Travelers matches GEICO with an 86 MoneyGeek score while offering superior coverage through its 4 out of 5 rating, earning our Best for Young Adults designation. Monthly premiums average $55 for minimum coverage, positioning Travelers as a mid-range option that provides value beyond just the lowest costs.

IntelliDrive telematics allows drivers to demonstrate that safe habits can lower premiums during the first policy term. The mobile app offers intuitive policy management, digital ID cards and real-time claim updates.

Discounts Offered

Long-term relationships and safe behavior shape Travelers' discount program. IntelliDrive provides immediate feedback, while good student discounts reflect academic achievement. Three-year clean records earn premier responsible driver discounts, and multi-policy bundling creates value for anyone consolidating coverage.

Travelers helps drivers with targeted discounts:

IntelliDrive program: Share safe driving data through mobile app monitoring for up to 30% off
Good student discount: Maintain B averages or 3.0 GPAs for 8% off
Premier responsible driver discount: Keep three violation-free years and save 10%
Multi-policy discount: Bundle with renters, homeowners, umbrella or other insurance for around 13% combined savings
Pay-in-full discount: Pay six months upfront and reduce premiums 5%
Paperless discount: Choose electronic documents and save an additional 2%
Early quote discount: Request quotes before current coverage expires and get discounts

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State Farm: Best for Seniors Without a Car

State Farm

MoneyGeek Score:

85/ 100

Avg Monthly Premium - State Minimum$44

Avg Monthly Premium - Full Coverage$77

Overview

An 85 MoneyGeek score and customer experience rating of 4 out of 5 earned State Farm our Best for Seniors designation. The network of over 19,000 local offices offers value to anyone who prefers face-to-face discussions and personalized service over purely digital interactions.

Local agents clearly explain coverage details and help you understand what non-owner policies cover. The company's reputation for stable pricing and lower renewal rates benefits budget-conscious drivers, while an A++ financial strength rating ensures reliable claim payments.

State Farm's mobile app provides digital convenience without eliminating agent access. Tech-savvy customers can manage policies online while still having the option for in-person support when situations require personal attention.

Discounts Offered

Driver experience and safe habits influence State Farm's discount structure. Drive Safe & Save offers flexible technology options, from simple plug-in devices to full mobile app integration. Multi-line discounts benefit those maintaining multiple insurance types, while defensive driving courses provide savings regardless of current record quality.

State Farm's discounts apply across situations:

Drive Safe & Save: Monitor safe driving via mobile app or vehicle device for up to 30% off
Accident-free discount: Keep three clean years and qualify for reduced premiums
Multiple-line discount: Bundle with homeowners, renters, life or other State Farm policies and save 17% on average
Multi-vehicle discount: Add non-owner coverage to family policies with owned vehicles and reduce costs 20%
Defensive driving course: Complete approved safety courses for discounts
Good student discount: Young family members maintaining B averages save up to 25% on shared policies

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Progressive: Best for Non-Owner SR-22 Insurance

Progressive

MoneyGeek Score:

81/ 100

Avg Monthly Premium - State Minimum$53

Avg Monthly Premium - Full Coverage$97

Overview

Progressive's SR-22 filing expertise earned it our Best for SR-22 Insurance designation with an 81 MoneyGeek score and a 4 out of 5 coverage rating. The Snapshot telematics program rewards safe driving for anyone proving they deserve better rates.

Progressive's flexibility benefits drivers who borrow expensive vehicles, those needing rental protection beyond the basics or wanting higher liability limits to protect substantial assets. The mobile app delivers photo estimates with real-time updates and claim tracking.

Nationwide service networks and an A+ financial strength rating ensure consistent claims handling wherever accidents occur. Customer service includes specialists who understand everything from SR-22 filing to commercial vehicle transitions.

Discounts Offered

In Progressive's discount program, current behavior matters more than past history. Snapshot rewards immediate safe driving, while continuous insurance discounts recognize maintaining coverage through life transitions.

Progressive's savings opportunities span all risk categories:

Snapshot program: Demonstrate safe driving through telematics monitoring for up to 30% off
Continuous insurance discount: Maintain coverage without gaps and reduce rates
Online quote discount: Complete your purchase through the website without agents and save 7%
Multi-policy discount: Bundle with renters, motorcycle, boat or other Progressive policies for up to 12% combined savings
Pay-in-full discount: Pay six months upfront rather than monthly and cut 5%
Paperless discount: Choose electronic documents instead of paper for an additional 3%

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Cheapest Non-Owner Car Insurance Rates

Non-owner car insurance rates depend on your age, driving record, coverage level and state requirements. Your credit score and the seriousness of any previous violations also impact premiums. The table shows the most affordable non-owner car insurance companies for adult drivers with clean records looking for minimal coverage:

Data filtered by:


Auto-Owners Insurance Co	$106	$1,271	$75	75
USAA	$107	$1,285	$74	94
GEICO	$159	$1,912	$22	85
Travelers	$165	$1,983	$16	86
State Farm	$168	$2,020	$13	85

Cheapest Non-Owner Car Insurance by State

Auto-Owners offers the lowest premiums in 12 states, with monthly rates as low as $11 in Idaho and $13 in Indiana. But Auto-Owners operates in only 26 states, which limits access for many drivers.

GEICO offers affordable non-owner insurance in three states and is available nationwide, making it accessible to drivers who can't access Auto-Owners coverage. Travelers, State Farm, Kemper and Nationwide are among the most affordable options in the remaining states, with monthly premiums ranging from $15 to $41 depending on your location and state minimum requirements.

The table below shows the cheapest non-owner car insurance provider in each state for drivers with clean records seeking minimum coverage. Your actual rate will depend on your age, credit score and specific coverage needs.

Data filtered by:


Arizona	Auto-Owners Insurance Co	$28	$342	$214	82
Connecticut	Kemper	$31	$377	$200	75
District of Columbia	GEICO	$22	$267	$290	75
Florida	GEICO	$41	$493	$393	73
Georgia	Auto-Owners Insurance Co	$22	$266	$216	88
Idaho	Auto-Owners Insurance Co	$11	$126	$152	75
Illinois	Auto-Owners Insurance Co	$20	$245	$112	78
Indiana	Auto-Owners Insurance Co	$13	$159	$204	75
Kentucky	Auto-Owners Insurance Co	$24	$287	$311	75
Massachusetts	State Farm	$26	$308	$354	75
Michigan	Travelers	$15	$177	$1,368	75
Minnesota	Auto-Owners Insurance Co	$19	$228	$188	78
Nebraska	Auto-Owners Insurance Co	$15	$174	$182	75
New Jersey	GEICO	$36	$438	$589	75
New Mexico	State Farm	$27	$329	$215	75
New York	Kemper	$37	$442	$501	75
North Carolina	Nationwide	$22	$261	$363	79
Pennsylvania	Travelers	$23	$276	$250	83
South Carolina	Auto-Owners Insurance Co	$27	$319	$400	88
Tennessee	Auto-Owners Insurance Co	$14	$171	$212	75
Virginia	Auto-Owners Insurance Co	$21	$250	$223	75

Cheapest Non-Owner Car Insurance by Age

Your age and driving experience directly influence non-owner car insurance rates. Seniors with decades of clean driving record qualify for the lowest premiums at $36 monthly, while young adults pay nearly double at $63 monthly due to their limited driving experience.

Adult drivers between these ages fall in the middle at $48 monthly. Auto-Owners Insurance Co offers the lowest rates across all three age groups for drivers seeking full coverage non-owner policies. The table below compares average monthly and yearly premiums by age.

Seniors save $309 annually compared to national averages, while young adults save $535 despite paying higher base premiums. GEICO and USAA provide competitive alternatives for drivers who can't access Auto-Owners coverage in their state or don't qualify for membership restrictions.

Age Group	Best Cheap Company	Cheapest Monthly Premium	Cheapest Annual Premium	Annual Savings vs. National Average	MoneyGeek Score
Young Adults	Auto-Owners Insurance Co	$63	$751	$535	72
Adult Drivers	Auto-Owners Insurance Co	$48	$578	$412	73
Seniors	Auto-Owners Insurance Co	$36	$433	$309	81

Cheapest Non-Owner Car Insurance With an SR-22

State Farm delivers the cheapest non-owner SR-22 car insurance quotes, averaging $603 per year or $50 monthly nationwide. These high-risk insurance solutions ensure compliance with state-mandated coverage requirements while maintaining budget-friendly premiums. Review the comparison table below to evaluate the cheapest non-owner SR-22 car insurance companies and quotes:

Data filtered by:


Auto-Owners Insurance Co	$106	$1,271	$906	75
USAA	$107	$1,285	$893	94
GEICO	$159	$1,912	$265	85
Travelers	$165	$1,983	$194	86
State Farm	$168	$2,020	$157	85

*Note: USAA offers the cheapest quotes for non-owner 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.

Non-Owner Car Insurance: Buying Guide

Comparing quotes from multiple providers is essential since rates vary significantly between companies for the same coverage. Unlike standard car insurance, most companies don't offer online quotes for non-owner insurance. You'll need to call and speak directly with an insurance agent.

How to Get the Best Cheap Non-Owner Car Insurance

Follow these steps to secure the lowest non-owner car insurance rates available:

1
Determine if you need non-owner insurance and choose your coverage level
Non-owner car insurance makes sense if you rent vehicles more than twice monthly, regularly borrow cars or need an SR-22 filing to reinstate your license. Choose minimum coverage if you rarely drive expensive vehicles. Liability-only costs about 40% less than full coverage, with adult drivers paying $451 annually versus $867.
2
Research companies and gather your information
Start with Auto-Owners, GEICO, USAA, State Farm, and Travelers, as rate differences can reach up to 60% between insurers. Get quotes from at least three companies before making a call. Gather your driver's license number, Social Security number, current address, previous insurance history and documentation for any violations, accidents or claims from the past five years.
3
Maximize available discounts
Stack multiple discounts for maximum savings. GEICO, State Farm and Travelers honor most of these discounts:
- Defensive driving courses: Reduce premiums 5% to 10% with courses costing $25 to $75 online. Discounts last three years before requiring renewal.
- Multi-policy bundling: Save 10% to 20% by pairing non-owner auto with renters insurance. State Farm averages a 17% savings rate, while GEICO provides around a 13% savings rate.
- Pay-in-full discount: Save 5% to 8% by paying your entire six-month premium upfront. A $468 annual GEICO policy costs $39 monthly or $432 if paid in full, saving $36 yearly.
- Paperless and auto-pay: Reduce premiums 3% to 5% through electronic billing and automatic payments.
- Good student discount: Save 8% to 25% for young adults maintaining B averages or 3.0 GPAs.
- Military and federal employee: Save up to 45% with USAA for military families or 8% with GEICO for government workers.
4
Compare quotes and evaluate insurers
Call each company directly to request quotes, asking about multi-policy discounts, good driver rates and current promotions while ensuring you're comparing identical coverage limits. Check A.M. Best ratings before purchasing. GEICO, State Farm and Travelers maintain A++ ratings.
5
Review terms, purchase and keep documentation accessible
Non-owner insurance only covers liability for damage you cause to others. It doesn't cover the vehicle you're driving or your own injuries. Get immediate proof of insurance after buying, requesting both physical insurance cards and digital copies through your insurer's mobile app.

Average Cost of Non-Owner Car Insurance

Non-owner car insurance costs less than standard policies since these policies exclude comprehensive and collision coverage. Drivers with clean records pay around $578 annually for minimum coverage non-owner policies compared to $1,164 for standard minimum coverage, cutting costs by $586 yearly.

Bad credit results in the largest savings gap, at $1,017 annually, because standard policies heavily penalize poor credit scores with higher comprehensive and collision premiums. At-fault accidents and speeding tickets also lead to savings of $782 and $763 per year. Even a DUI conviction can save you $624 annually with non-owner coverage, although you'll still pay higher premiums overall due to the severity of the violation.


Clean Record	$578	$1,164	$586
Speeding Ticket	$780	$1,543	$763
At-Fault Accident	$867	$1,649	$782
Bad Credit	$867	$1,884	$1,017
DUI/Major Violation	$1,271	$1,895	$624

What Does Non-Owner Car Insurance Cover?

Non-owner car insurance offers liability coverage for property damage and bodily injury you cause to others when driving a vehicle you don't own. This coverage pays for the other driver's medical bills, vehicle repairs, and property damage after an at-fault accident. Standard car insurance is attached to particular vehicles and includes comprehensive and collision coverage, which non-owner policies typically exclude for physical damage.

Non-owner policies follow the driver rather than covering specific vehicles, providing only liability protection that meets state minimum requirements. State minimum liability limits range from $25,000 to $50,000 per person for bodily injury, with total per-accident limits between $50,000 and $100,000. Property damage coverage usually begins at $10,000 to $25,000 per accident.

You can add coverage for:

Medical payments
Personal injury protection
Uninsured/underinsured motorists
Rental car liability

Cheapest Non-Owner Auto Insurance: Bottom Line

Non-owner insurance is cost-effective for drivers who don't own a vehicle but frequently rent or borrow cars and need minimum coverage. It offers financial protection 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. Get quotes from at least three providers like GEICO, Travelers, State Farm and USAA when shopping around.

Non-Owner Car Insurance: FAQ

We answer common 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 cheapest non-owner car insurance at $463 annually or $39 monthly for minimum coverage. Travelers is also affordable at $511 per year or $43 monthly.

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 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

Drivers without vehicles face a unique challenge: securing affordable liability coverage when most insurers focus on standard car policies. We designed our research to identify which companies offer the best combination of low rates and quality service for non-owner insurance,coverage that's harder to find and often requires calling agents directly for quotes.

Data Collection and Analysis

We gathered 12,128 quotes from 319 companies across 204 ZIP codes using data from Quadrant Information Services and state insurance departments. Our analysis focused on identifying the cheapest car insurance options for various driver profiles who don't own vehicles.

We ranked providers using data from AM Best, J.D. Power, the CRASH Network report card and quote data, weighted as follows:

Affordability: 40%
Customer satisfaction: 25%
Claim satisfaction: 20%
Coverage offerings: 10%
Financial stability: 5%

This weighting prioritizes the factors that matter most when you're paying for liability-only coverage: finding affordable rates while ensuring reliable service.

Sample Driver Profile

Our standardized profile includes:

40-year-old man
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.

Coverage Definitions

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.

Learn more about MoneyGeek's auto insurance methodology.

Cheap Non-Owner Auto Insurance: Related Articles

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!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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