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Non-OwnerCar InsuranceConnecticutCheapest and Best Non-Owner Car Insurance in Connecticut (2023)
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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.
Non-OwnerCar InsuranceConnecticutTable of Contents
Cheapest Non-Owner Car Insurance in Connecticut
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.
Cheapest Non-Owner Car Insurance With a Clean Driving Record in Connecticut
The most affordable non-owner car insurance for drivers with clean records is from these companies:
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.
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CONNECTICUT MINIMUM INSURANCE REQUIREMENTS
The minimum coverage requirements in Connecticut for car insurance extend to non-owner policies. Here are the required limits:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
- $25,000 for uninsured/underinsured motorist liability per person
- $50,000 for uninsured/underinsured motorist liability per accident
These limits may not provide enough financial protection if you’re at fault in an accident, so consider your specific needs to determine the right amount of coverage for you.
Cheapest Non-Owner SR-22 Car Insurance in Connecticut
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.
WHAT IS SR-22 INSURANCE?
An SR-22 is not an insurance policy. This certificate is mandated by the state for drivers involved in high-risk driving incidents, verifying that they have met the minimum liability insurance requirements. Essentially, it’s a certificate of your financial responsibility.
To fulfill the SR-22 requirement in Connecticut, your insurance company will file the form. You must maintain the SR-22 for a few years, based on state law. You may need an SR-22 to reinstate your suspended driver's license or car registration.
What Is Non-Owner Car Insurance?
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.
Policy Coverage | Full Coverage | Non-Owner |
|---|---|---|
Liability insurance |  | |
Medical payments | | |
Personal injury protection | | |
Uninsured/underinsured motorist | | |
Rental car liability | | |
Collision | | |
Comprehensive | |
Average Cost of Non-Owner Car Insurance in Connecticut
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.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43Connecticut Average Cost
Monthly Premium
$46On average, non-owner car insurance in Connecticut is:$3 more
This is 7% more expensive.
Best Non-Owner Car Insurance in Connecticut
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.
GEICO
GEICO is our top recommendation because it provides a combination of reasonable rates and strong customer service. With a monthly premium of $35, GEICO is an affordable choice for non-owner car insurance. It offers coverages such as roadside assistance, rental car reimbursement and accident forgiveness, ensuring financial security in case of repairs or at-fault accidents. GEICO provides a wide range of discounts, including bundling and rewarding seat belt usage.
State Farm
State Farm ranks as our second-best choice for non-owner car insurance in Connecticut. With an average premium of $39 per month, it’s a decent option for drivers who are looking for affordable coverage. State Farm offers discounts for various driver profiles, increasing drivers’ savings. It offers roadside assistance and reimbursement for rental cars or travel expenses, among other coverages. State Farm's user-friendly online services allow easy management of accounts, claims filing and premium payments.
Kemper
Kemper offers excellent rates, personalized service and several coverage options, making it our third-best pick for non-owner car insurance. It’s the cheapest option among the companies we analyzed, with an average premium of $31 per month. You can have roadside assistance and rental reimbursement coverages on your policy, so your insurance can help you in case of emergency repairs. They also offer discounts for safe driving and bundling multiple policies, helping ensure affordability for policyholders.
Should You Get Non-Owner Car Insurance in Connecticut?
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.
Who Should Consider Non-Owner Car Insurance?
Car borrowers
If you're consistently borrowing cars, non-owner car insurance can be a game-changer. It gives you bodily injury and property damage liability coverage in case you find yourself in an at-fault accident.
Occasional renters
Non-owner car insurance is an ideal solution for meeting the insurance requirements of car rental companies or car-sharing services. It’s a more affordable alternative than insurance offered directly by rental companies. Its continuous coverage can result in better insurance rates when you eventually own a car.
Drivers between cars
Sometimes, cars can get totaled, or you simply swap out your car in advance. If you're waiting for your new car to arrive, consider getting non-owner car insurance. It'll keep you covered while driving a temporary ride. It's smart to stay protected during the gap between cars to avoid any major financial responsibilities that can happen on the road and maintain continuous coverage.
License reinstatement seekers
Non-owner car insurance offers a cheaper way to meet the minimum coverage requirements for those with an SR-22. By meeting state-required insurance obligations, non-owner car insurance enables them to demonstrate financial responsibility without vehicle ownership. So, if your license has been suspended due to a driving violation or an accident, this type of insurance can help you secure an SR-22.
ONE-DAY CAR INSURANCE
One-day insurance provides temporary coverage, charging premiums based on the number of days you need it. MoneyGeek does not recommend this option due to potential scams. They may not be regulated or recognized as legitimate temporary car insurance policies in Connecticut. To ensure proper coverage, it’s best to consider purchasing rental car insurance directly from a reputable car rental company.
Frequently Asked Questions About Non-Owner Car Insurance in Connecticut
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.
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