Cheapest and Best Non-Owner Car Insurance in Alabama (2024)


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ByMark Fitzpatrick
Edited byKatherine Kurtz
ByMark Fitzpatrick
Edited byKatherine Kurtz

Updated: May 20, 2024

Advertising & Editorial Disclosure

Non-owner car insurance is auto liability coverage in Alabama for those who don't own a car but still need protection while driving. It’s useful if you frequently borrow someone else's car or require continuous auto insurance coverage. Obtaining non-owner car insurance may also help drivers with violations like DUIs reinstate a suspended or revoked driver's license.

Based on MoneyGeek’s research, GEICO offers the cheapest non-owner car insurance in Alabama, while Auto-Owners is the state’s best provider, balancing affordability and quality service. It’s also the most affordable for non-owner car insurance in Alabama after a violation.

MoneyGeek Logo IconNon-OwnerCar InsuranceAlabama
2024

Why Trust MoneyGeek? MoneyGeek sourced Alabama data from Quadrant Information Services and examined customer and claim satisfaction ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).

128Plans Analyzed
 
8Providers Compared

Cheapest Non-Owner Car Insurance in Alabama

The following insurers offer the cheapest non-owner car insurance policies for Alabama drivers:

  • Drivers with clean records: GEICO ($26 per month)
  • Drivers with violations: Auto-Owners ($37 per month) and GEICO ($37 per month)

You can expect to pay more for car insurance as a non-owner if you have a driving offense on your record. The cheapest insurer for a driver with a violation costs $11 more per month than the most affordable insurer for someone with a clean driving history.

Cheapest Non-Owner Car Insurance With a Clean Driving Record in Alabama

Alabama residents with clean driving histories can get the most affordable non-owner auto insurance from the following providers:

At around $22 per month, USAA also offers cheap non-owner car insurance in Alabama. However, it’s only available for veterans, active military and their families. Non-owner car insurance policies cost an average of $44 per month in Alabama. For comparison, the national average is $43 per month.

GEICOCheapest Annual Premium$313Cheapest Monthly Premium$26
Auto-Owners Insurance CoCheapest Annual Premium$346Cheapest Monthly Premium$29
TravelersCheapest Annual Premium$441Cheapest Monthly Premium$37
FarmersCheapest Annual Premium$591Cheapest Monthly Premium$49
ProgressiveCheapest Annual Premium$604Cheapest Monthly Premium$50
NationwideCheapest Annual Premium$661Cheapest Monthly Premium$55
State FarmCheapest Annual Premium$1,046Cheapest Monthly Premium$87
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ALABAMA MINIMUM INSURANCE REQUIREMENTS

Alabama's minimum coverage requirements for car insurance also apply to non-owner car insurance. These are:

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

Although these limits are the minimum required by law, they may not be enough coverage for everyone. It’s important to know how much coverage you need before committing to a policy.

Cheapest Non-Owner SR-22 Car Insurance in Alabama

The following insurers offer the cheapest non-owner car insurance in Alabama for drivers with violations:

Military community members in Alabama can get the most affordable SR-22 insurance from USAA at roughly $33 per month.

You may be required to file an SR-22 if you have a driving offense like a DUI or an at-fault accident on your record, which can increase the cost of your insurance. The cheapest non-owner SR-22 insurance in Alabama costs $37 per month, $22 less than the national average.

Auto-Owners Insurance CoCheapest Annual Premium$443Cheapest Monthly Premium$37
GEICOCheapest Annual Premium$445Cheapest Monthly Premium$37
TravelersCheapest Annual Premium$554Cheapest Monthly Premium$46
NationwideCheapest Annual Premium$835Cheapest Monthly Premium$70
FarmersCheapest Annual Premium$855Cheapest Monthly Premium$71
ProgressiveCheapest Annual Premium$1,017Cheapest Monthly Premium$85
State FarmCheapest Annual Premium$1,118Cheapest Monthly Premium$93
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WHAT IS SR-22 INSURANCE?

SR-22 is not a type of insurance — it’s a form filed by an insurer to confirm that a driver has the necessary insurance coverage mandated by their state, typically for individuals involved in certain violations or at-fault accidents.

Despite the common misconception of referring to it as "SR-22 car insurance," it’s important to understand that SR-22 itself is not a policy type.

What Is Non-Owner Car Insurance?

Non-owner car insurance is liability-only insurance for people in Alabama who drive but don't own a car. It covers bodily injuries and property damage you may be liable for in an accident, but it doesn’t cover your injuries or damages to the vehicle you're driving as it lacks comprehensive and collision coverage.

If you frequently drive rental cars, borrow cars from friends or want to avoid a rate hike after a lapse in regular auto insurance coverage, non-owner car insurance may be a smart choice. The table below compares the coverage variations across non-owner and full coverage policies.

Policy Coverage
Full Coverage
Non-Owner

Liability insurance

Medical payments

Personal injury protection

Uninsured/underinsured motorist

Rental car liability

Average Cost of Non-Owner Car Insurance in Alabama

Non-owner car insurance in Alabama typically costs around $44 per month, slightly more than the national average cost of car insurance at $43 per month.

Location affects your insurance rates. However, variables such as your age, driving record, coverage limits and the type of vehicle you drive can have a greater impact on your premiums.

Non-Owner Car Insurance Cost Comparison: National vs. State

car
National Average Cost

Monthly Premium

$43
car2
Alabama Average Cost

Monthly Premium

$44
On average, non-owner car insurance in Alabama is:$1 more

This is 2% more expensive.

Best Non-Owner Car Insurance in Alabama

The following insurers provide the best non-owner car insurance policies in Alabama:

MoneyGeek’s rankings considered affordability, customer service data from J.D. Power and financial stability ratings from AM Best. Our overviews of these top three companies can help you choose the best provider for your needs.

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MoneyGeek Top Pick
Auto-Owners

Auto-Owners has affordable rates and excellent customer service, making it our top choice as the best non-owner car insurance provider in Alabama.

This insurer also offers several discount opportunities, making it even more affordable. These include savings for bundling insurance policies, insuring multiple cars and safe driving. Young drivers in school may also qualify for a discount by getting good grades. Additional discounts are available by installing an anti-theft system in your vehicle.

Read the full Auto-Owners car insurance review.

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Runner-Up
GEICO

GEICO offers top-notch customer service for an affordable price point. However, it isn't the best for claims management and offers fewer coverage options than some of its competitors.

GEICO offers numerous discounts that could reduce the cost of your car insurance, including ones for installing safety features like airbags, an anti-theft system, anti-lock brakes and daytime running lights in your vehicle. You can also get discounts by bundling GEICO insurance products and having a safe driving history.

Read the full GEICO car insurance review.

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Third Place
Travelers

Travelers stands out for its coverage options, financial stability and affordability but may not manage claims as well as its competitors.

Travelers has discounts for bundling insurance policies, insuring multiple cars, safe driving and opting for paperless billing. In addition to these common ones, the insurer also offers rare discounts for new vehicle owners, hybrid car drivers, loyal customers and homeowners.

Read the full Travelers car insurance review.

Should You Get Non-Owner Car Insurance in Alabama?

Non-owner car insurance is ideal for those who don't own a car but frequently drive rental cars, borrow vehicles or want to avoid long gaps in their insurance history. It may also be required if your driver’s license has been suspended or revoked.

Who Should Consider Non-Owner Car Insurance?

    carColored icon

    Car borrowers

    Non-owner car insurance is ideal for people who frequently borrow cars from friends or family members. With a non-owner car insurance policy, they can be protected from liability in case of an accident, providing peace of mind and financial protection. It’s an affordable choice compared to buying a full coverage auto insurance policy.

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    Occasional renters

    Those who occasionally rent cars can benefit from non-owner car insurance, as it provides property damage and bodily injury liability coverage if they’re found at fault in an accident. This can be a cost-effective way to obtain liability coverage for a lower cost than a standard car insurance policy.

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    Drivers between cars

    Insurance companies charge more when there's a lapse in your coverage history. If you've recently sold your vehicle or don't plan on driving for an extended period, non-owner car insurance is an affordable way to avoid more expensive car insurance premiums when you're ready for regular coverage again.

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    License reinstatement seekers

    Those who want to reinstate their driver's license after a suspension or revocation may be required to have non-owner car insurance and file an SR-22 form. This proof of insurance can help you regain your driving privileges.

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ONE-DAY CAR INSURANCE

Beware of providers claiming to offer "one-day insurance," as it's not a legitimate insurance product and could be a scam. If you only need coverage for a day or two, we recommend purchasing car insurance from the rental car insurance company. There are many different ways to get temporary car insurance in Alabama.

Frequently Asked Questions About Non-Owner Car Insurance in Alabama

Here are answers to some of your frequently asked questions about non-owner car insurance in Alabama.

Which company offers the cheapest non-owner car insurance in Alabama?
Which companies offer non-owner car insurance with the best mix of quality and affordability in Alabama?
How much does non-owner car insurance cost in Alabama?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.