Non-Owner Car Insurance in Alabama: The Cheapest Options and What You Need to Know

The average cost of non-owner car insurance in Alabama is $573 annually, but rates vary depending on various factors. GEICO is the state’s cheapest provider at an average of $171 per year. Read through MoneyGeek’s study if you’re interested in knowing more about non-owner car insurance in Alabama.

REVIEW AUTO INSURANCE RATES

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin
Advertising & Editorial Disclosure
Last Updated: 8/15/2022

In Alabama, getting non-owner car insurance is ideal for drivers who frequently rent cars and use car-sharing services. It’s also recommended for drivers who need proof of insurance to reinstate their license.

The average cost of non-owner car insurance for drivers with a clean driving record is $573 per year. Meanwhile, drivers with serious driving violations, such as a DUI, will have to pay an average of $714 annually.

In this guide, MoneyGeek evaluated offers from various car insurance providers in Alabama. We also explained situations when you should and shouldn’t get a non-owner car insurance policy.

tip icon

Cheapest Non-Owner Car Insurance Companies in Alabama

Generally, non-owner car insurance is more affordable than traditional car insurance. You can save more money by shopping around and comparing quotes from various companies.

MoneyGeek’s analysis reveals these providers offer the cheapest widely available non-owner car insurance in Alabama:

  • GEICO: $171 per year
  • Travelers: $372 per year

On the other hand, State Farm is Alabama’s most expensive non-owner car insurance provider, with an average annual cost of $1,533.

The rates in this guide are for a 40-year-old driver with a non-owner car insurance policy in Alabama, as defined in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Alabama

Scroll for more

swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $171
    $14
  • USAA
    $189
    $16
  • Travelers
    $372
    $31
  • Progressive
    $536
    $45
  • Farmers
    $638
    $53
  • State Farm
    $1,533
    $128
Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin

How Much Is Non-Owner Car Insurance in Alabama?

0
0

Across insurers in Alabama, non-owner car insurance on average costs $573 per year. It’s $90 cheaper than regular car insurance, which costs an average of $663 annually.

There’s also a significant cost difference between non-owner and regular car insurance for drivers with violations like a DUI. In Alabama, a driver with a DUI will pay an average of $714 per year for non-owner car insurance. The same driver pays $1,132 on average for regular car insurance.

Cheapest SR-22 Non-Owner Car Insurance Companies in Alabama

Non-owner car insurance is the most affordable option for drivers who don’t own a car but need to file an SR-22 to have their driver’s license reinstated. You may need to file an SR-22 in Alabama after a serious driving violation, such as a DUI.

To help you find cheap non-owner car insurance in Alabama for a driver with a DUI, MoneyGeek ranked the cheapest widely available insurers in the state:

  • GEICO: $294 per year
  • Travelers: $476 per year

State Farm has Alabama’s most expensive non-owner SR-22 car insurance at an average of $1,533 per year.

Cheapest SR-22 Non-Owner Car Insurance Companies in Alabama

Scroll for more

swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $294
    $25
  • USAA
    $341
    $28
  • Travelers
    $476
    $40
  • Progressive
    $760
    $63
  • Farmers
    $879
    $73
  • State Farm
    $1,533
    $128
Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin

What Is Non-Owner Car Insurance in Alabama?

Non-owner car insurance, also called non-owner liability insurance, is the best option for drivers who need to be insured but don’t own a car. Such policies include liability insurance at the minimum levels required by the state of Alabama.

If you’re shopping for a non-owner liability car insurance policy in Alabama, you can add uninsured or underinsured motorist coverage for added security. However, unlike full coverage policies, non-owner car insurance policies don’t have comprehensive and collision coverages.

tip icon
MONEYGEEK EXPERT TIP

A non-owner car insurance policy in Alabama still needs to meet the state’s required minimum coverages, which include:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Who Should Get Non-Owner Car Insurance in Alabama?

MoneyGeek identified various types of drivers who may find non-owner car insurance as an ideal fit for their needs.

  • Drivers who need to have their license reinstated. In Alabama, you're required to have proof of insurance if you’re applying for the reinstatement of your driver’s license. Non-owner car insurance is ideal for such drivers since it’s cheaper than regular car insurance.
  • Drivers who frequently rent cars or use car-sharing services. A non-owner car insurance policy provides protection in case you cause an accident while driving a rented or borrowed car. It has liability insurance that covers third-party injuries and property damages.
  • Drivers who temporarily don’t have a car but want to maintain insurance to avoid a lapse. If you want to avoid an insurance lapse but currently don’t have a car, non-owner car insurance is your cheapest option in Alabama.

Who Shouldn’t Get Non-Owner Car Insurance in Alabama?

A non-owner car insurance policy is not necessary if you’re only borrowing someone’s car. For example, if you live in Birmingham and a friend lent you their car, you’ll be covered under their car insurance policy.

It’s also not necessary to get non-owner car insurance if you don’t frequently rent cars. If you only use rented vehicles for occasional trips outside of Alabama, you can buy insurance from your car rental company instead.

How to Get Non-Owner Car Insurance in Alabama

Typically, non-owner car insurance quotes are not available online. As quotes vary depending on your preferences and profile, the best way to know how much a non-owner car insurance policy will cost is by calling insurance companies.

MoneyGeek compiled a list of insurers in Alabama that sell non-owner car insurance. You can reach out to these insurance providers through the numbers listed below.

Contact Non-Owner Car Insurance Companies in Alabama
  • Company
    Contact Number
  • GEICO
    800-207-7847
  • USAA
    800-531-8722
  • Travelers
    866-248-9970
  • Progressive
    888-671-4405
  • Farmers
    888-327-6335
  • State Farm
    800-782-8332

Frequently Asked Questions About Alabama Non-Owner Car Insurance

Drivers often confuse non-owner car insurance with traditional car insurance, but the two are different. MoneyGeek answered some frequently asked questions about non-owner car insurance to help you with your shopping process.

Methodology

MoneyGeek collected non-owner car insurance quotes across insurers in Alabama with the help of Quadrant Information Services. The policies here are for a 40-year-old driver with either a safe driving record or a DUI. These policies are compliant with Alabama’s minimum car insurance requirements, except for liability insurance policies, which have the following limits:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

The data used for traditional car insurance have the same limits as above.