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

Non-owner car insurance in Connecticut costs an average of $738 per year. State Farm offers the cheapest policy at $440 per year on average. MoneyGeek’s guide can help you find out more about non-owner car insurance and how it works in Connecticut.

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Last Updated: 3/5/2022
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Non-owner car insurance is best for drivers who do not own a vehicle but frequently drive by renting or using car-sharing services. It’s also a good option for those who need proof of insurance to get their license reinstated.

In Connecticut, non-owner car insurance costs roughly $738 per year for drivers with a clean driving record and around $1,357 for those with a major traffic violation, like a DUI.

MoneyGeek gathered and analyzed rates from various insurance providers to help you find cheap non-owner car insurance in Connecticut and explains when this kind of policy is and isn’t required.

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Cheapest Non-Owner Car Insurance Companies in Connecticut

Non-owner car insurance is cheaper than standard auto insurance policies. Because rates vary depending on the insurer, you can save money by shopping around.

MoneyGeek found that, on average, the cheapest widely available non-owner car insurance companies for Connecticut drivers are:

  • State Farm: $440 per year
  • Progressive: $457 per year

USAA, which is only available to drivers with a military background, has an average rate of $422 per year and is the most affordable option in the state. MetLife is the most expensive insurer, with an average rate of $1,717 per year.

These insurance rates are for a 40-year-old driver with non-owner car insurance, and the limits are detailed in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Connecticut

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $422
    $35
  • State Farm
    $440
    $37
  • Progressive
    $457
    $38
  • Travelers
    $467
    $39
  • GEICO
    $649
    $54
  • Nationwide
    $1,015
    $85
  • MetLife
    $1,717
    $143
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How Much Is Non-Owner Car Insurance in Connecticut?

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The annual average cost of non-owner car insurance in Connecticut is $738, which is $186 cheaper than the $924 average rate for regular auto insurance in the state.

Various factors affect premiums. For instance, a DUI can raise the average non-owner insurance cost to $1,357. Meanwhile, a standard policy for a Connecticut driver with a DUI costs around $1,799 annually.

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

An SR-22 is necessary to reinstate a suspended license after a major driving violation, such as a DUI. Along with SR-22 in Connecticut, you will also need proof of insurance. Drivers who do not own a car may find non-owner SR-22 car insurance to be the most affordable option.

For Connecticut drivers with a DUI on their record, the cheapest widely available non-owner car insurance companies on average are:

  • State Farm: $440 per year
  • Progressive: $505 per year

MetLife is the most expensive option for drivers with a DUI looking for cheap non-owner car insurance in Connecticut, with an average rate of $4,021 per year.

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

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  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $440
    $37
  • Progressive
    $505
    $42
  • Travelers
    $785
    $65
  • USAA
    $916
    $76
  • Nationwide
    $1,015
    $85
  • GEICO
    $1,814
    $151
  • MetLife
    $4,021
    $335
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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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What Is Non-Owner Car Insurance in Connecticut?

Non-owner car insurance is also called non-owner liability insurance. It’s the best option for drivers who do not own a vehicle but need insurance for driving rentals or ride-sharing services. This type of policy must at least have the minimum liability coverage.

In Connecticut, auto insurance policies should also meet the minimum uninsured and underinsured motorist coverage.

Non-owner car insurance does not include comprehensive and collision insurance like full coverage policies do.

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Non-owner car insurance in Connecticut must have coverage that meets the following state minimum insurance requirements:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident

Who Should Get Non-Owner Car Insurance in Connecticut?

You may find that non-owner car insurance in Connecticut is the best option in the following circumstances:

  • You need insurance to get your license reinstated. Getting convicted of a serious traffic violation, such as a DUI, can lead to a license suspension. In this case, you may need to file an SR-22 to serve as proof of insurance and reinstate your license. A non-owner car insurance policy can help you save money.
  • You are renting a car or using car-sharing services frequently. If you regularly rent vehicles, rental car insurance costs can become more expensive over time. Non-owner car insurance is a more affordable option. It’s also a good option if you drive a borrowed car often and the owner’s auto insurance does not provide enough coverage.
  • You do not have a car but want to avoid a lapse in your insurance coverage. If you give up your car insurance after selling your vehicle, you may sustain an insurance lapse. This can lead to higher premiums. Non-owner car insurance will allow you to maintain a policy at a more affordable rate.

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

If you are a Bridgeport resident and you use a friend or relative’s car frequently with their permission, you are covered under their insurance policy. This means that separate non-owner car insurance is not necessary.

You also don’t need non-owner car insurance if you rent a vehicle only when you travel out of state and do so infrequently. In this case, rental car insurance is sufficient.

How to Get Non-Owner Car Insurance in Connecticut

MoneyGeek confirmed that all Connecticut insurance companies on this page offer non-owner car insurance policies. However, unlike auto insurance policies, you typically can’t get non-owner car insurance quotes online. The best way to get a quote is to call the insurer directly. You can use the contact information for the insurance providers listed below.

Contact Non-Owner Car Insurance Companies in Connecticut
  • Company
    Contact Number
  • USAA
    800-531-8722
  • State Farm
    800-782-8332
  • Progressive
    888-671-4405
  • Travelers
    866-248-9970
  • GEICO
    800-207-7847
  • Nationwide
    877-669-6877
  • MetLife
    800-422-4272

Frequently Asked Questions About Connecticut Non-Owner Car Insurance

For some drivers, non-owner car insurance and standard auto insurance can be confusing. MoneyGeek answered some frequently asked questions to help you better understand non-owner car insurance in Connecticut.

Methodology

MoneyGeek analyzed non-owner car insurance quotes from companies across Connecticut based on data collected in partnership with Quadrant Information Services. The policies were for a 40-year-old driver in the state both with a clean driving record and a DUI. All non-owner car insurance policies had the state minimum car insurance coverage requirements, except for liability insurance, which has 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 standard car insurance policies used for comparison had the same limits.