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

Non-owner car insurance is intended for people who do not own a car yet require liability coverage when driving. It covers property damage and bodily injury to others in case of an at-fault accident but doesn’t cover your injuries or damage to the vehicle you drive. Drivers who frequently borrow or rent vehicles can benefit from this, as it adds a layer of protection while on the road. It's a cheaper way to meet the minimum requirements for car insurance, especially if you have an SR-22.

The most affordable companies are Kemper for drivers with clean records and State Farm for drivers with violations. GEICO offers the best non-owner car insurance in Connecticut. We compiled our recommended providers to help you find the best policy for your needs.

The cheapest non-owner car insurance in Connecticut is from:

• Drivers with clean records: Kemper ($31 per month)
• Drivers with violations: State Farm ($42 per month)

Drivers who maintain clean records pay $11 less for the cheapest non-owner car insurance than those with at-fault accidents on their records. Insurers consider drivers with violations as high-risk clients, resulting in higher premiums. As a result, one of the most effective methods to secure affordable rates is by practicing safe driving habits.

The most affordable non-owner car insurance for drivers with clean records is from these companies:

• Kemper: $31 per month
• GEICO: $35 per month

Among the companies we analyzed, USAA ranks second for affordability for those with clean driving records. However, it exclusively caters to the military community, making it an excellent choice for active-duty members, veterans and their families.

Policies from Kemper and GEICO are cheaper than the national average rate of $43 per month. However, your actual rates may vary, as factors like your age, location and liability limits can affect your premiums.

The most affordable insurance for drivers with an SR-22 is from the following companies:

• State Farm: $42 per month
• GEICO: $46 per month

USAA ranks third for affordability for non-owner SR-22 car insurance. It stands out as an excellent choice for those in the military community due to its tailored coverages, discounts and services.

Having violations on your driving record often leads to higher premiums. Insurers perceive these drivers as higher-risk individuals prone to accidents and claims. Additionally, drivers with violations may be required to file an SR-22 form and maintain it on record for several years.

The national average monthly cost of non-owner car insurance for drivers with an SR-22 is $59. State Farm and GEICO offer rates lower than the national average. Your rates can vary based on factors like your age, location, coverage and deductible.

Non-owner car insurance, also known as non-owner liability insurance, provides coverage while you’re driving a vehicle that’s not yours. It covers property damage and bodily injury caused to others in an at-fault accident while driving a rented or borrowed car. It does not include coverage for your personal injuries or damage to the vehicle you’re driving. In Connecticut, drivers have the option to add coverage for medical expenses and other liabilities. Non-owner car insurance policies and full coverage policies have the following differences.

In Connecticut, the average monthly cost of non-owner car insurance is $46, which is slightly higher than the national average of $43 per month. However, your car insurance premium may vary based on factors such as age, vehicle, location and chosen coverage. Although personal factors have a bigger impact on premiums than location, we recommend considering all these factors when comparing insurance options.

The best non-owner car insurance in Connecticut is from these companies:

• GEICO: MoneyGeek score 69 out of 100 ($35 per month)
• State Farm: MoneyGeek score 68 out of 100 ($39 per month)
• Kemper: MoneyGeek score 50 out of 100 ($31 per month)

MoneyGeek evaluated companies according to their affordability, coverages, claims process and customer service. We used J.D. Power customer satisfaction ratings and AM Best financial stability ratings. Here are our recommendations for the top-ranking companies.

Non-owner car insurance can be helpful for drivers who frequently use vehicles they don't own, including car renters, individuals borrowing cars and those seeking to reinstate their driver's licenses. By providing the essential coverage required by law, non-owner car insurance caters to drivers’ specific requirements without the obligation of car ownership. It can even lead to long-term savings, especially if you’re planning to own a car in the future.

MoneyGeek answered frequently asked questions about non-owner car insurance in Connecticut. Use these answers to assist you in finding the non-owner car insurance policy that suits your needs and budget.