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

Drivers pay an annual average of $261 for non-owner car insurance in Idaho, with GEICO offering the cheapest policy at $194 per year. Learn how non-car insurance in Idaho works and who should get it in MoneyGeek’s comprehensive guide.

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Last Updated: 8/15/2022

A non-owner car insurance policy is an affordable option for drivers who frequently rent cars, use car-sharing services or need proof of insurance to reinstate their license. The average cost of non-drivers insurance in Idaho is $261 annually, but having a driving violation such as a DUI can increase this to an annual average of $388.

MoneyGeek outlined how to get insurance without a car in Idaho, who this type of policy is best for and the varying rates across insurers in the state.

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Cheapest Non-Owner Car Insurance Companies in Idaho

For drivers who don’t own a car, a non-owner car insurance policy is a cheaper alternative compared to traditional policies. Shopping around is the best way to find the most affordable premium for your needs.

MoneyGeek examined non-owner car insurance providers in Idaho and found that the following companies offer the most affordable policies on average:

  • GEICO: $194 per year
  • State Farm: $271 per year

USAA offers more competitive rates at an average of $95 per year, but their policies are only available for military members and their families.

On the other hand, Farmers’ policies are the most expensive in the state at an average of $357 per year.

The premiums collected were for a 40-year-old driver in Idaho with a non-owner car insurance policy, including limits detailed in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Idaho

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $95
    $8
  • GEICO
    $194
    $16
  • State Farm
    $271
    $23
  • Travelers
    $296
    $25
  • Progressive
    $351
    $29
  • Farmers
    $357
    $30
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How Much Is Non-Owner Car Insurance in Idaho?

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In Idaho, non-owner car insurance, otherwise known as non-drivers insurance, costs an average of $261 per year, which is $182 less than the average cost of traditional policies.

However, your driving record affects the cost of your policy. For instance, getting non-owner car insurance in Idaho with a DUI will cost an average of $388 per year — but this is still cheaper than a traditional policy with the same violation, which can cost an average of $688 annually.

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

Whether you own a car or not, certain driving violations in Idaho can result in a suspended license. For instance, if you receive a DUI, you may have to file an SR-22. If you don’t own a car but need SR-22 car insurance in Idaho, non-owner car insurance is an affordable alternative.

If you need to purchase cheap non-owner car insurance in Idaho to reinstate your license after a DUI, MoneyGeek found that the following providers offer the most affordable non-owner SR-22 car insurance policies on average:

  • State Farm: $271 per year
  • Travelers: $381 per year

For military members, USAA may be a more competitive provider, as their non-owner policies with a DUI cost an average of $184 per year.

The most expensive rates are offered by GEICO, with policies averaging $557 annually if you have a DUI.

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

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $184
    $15
  • State Farm
    $271
    $23
  • Travelers
    $381
    $32
  • Progressive
    $418
    $35
  • Farmers
    $516
    $43
  • GEICO
    $557
    $46
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What Is Non-Owner Car Insurance in Idaho?

If you’re wondering how to get insurance without a car in Idaho, non-owner car insurance is your best answer. Also known as non-owner liability car insurance, this type of policy offers liability coverage following the state’s minimum limits. For extra protection, you can also choose to increase your limits and purchase additional uninsured and/or underinsured motorists coverage. However, you cannot get comprehensive or collision coverage, also known as full coverage insurance.

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Similar to traditional auto insurance policies, non-owner car insurance must meet the state of Idaho’s minimum requirements, including:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Who Should Get Non-Owner Car Insurance in Idaho?

Getting a non-owner car insurance policy in Idaho is best for you if:

  • You need to reinstate your license: In Idaho, reinstating your license requires an SR-22 filing. If you don’t own a car, non-owner car insurance is a far more affordable alternative than traditional auto insurance policies.
  • You rent cars or use car-sharing services frequently: If you don’t own a car but rent them often or use car-sharing services, non-owner car insurance can help you save more in the long run. This is because the annual premiums may be cheaper compared to purchasing rental car insurance each time.
  • You want to avoid a lapse in coverage when your car is not with you: If you temporarily don’t have a car, non-owner car insurance is a cheap option to avoid a lapse in coverage.

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

If you frequently drive borrowed cars, non-owner car insurance is not for you. For instance, if you drive your family member’s car in Boise and get into an accident, their car insurance policy will cover you as long as you have permission to drive their vehicle.

Likewise, if you don’t rent cars or use car-sharing services often, you may end up spending more with non-owner car insurance. Purchasing rental car insurance from the rental company will be cheaper if you only plan to rent a car once or twice a year.

How to Get Non-Owner Car Insurance in Idaho

To get quotes for non-owner car insurance in Idaho, you need to contact insurance providers via the phone. You cannot get a quote or policy online. Below, MoneyGeek collected the contact information for insurers that offer non-owner liability car insurance in Idaho to give you a starting point.

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

Frequently Asked Questions About Idaho Non-Owner Car Insurance

It’s easy to confuse non-owner car insurance with traditional auto insurance policies. While they have their similarities, it’s important to note that the former is meant for a specific driver and comes with limitations. Here are answers to a few commonly asked questions to help you better understand non-owner car insurance in Idaho.

Methodology

MoneyGeek worked in collaboration with Quadrant Information Services to collect rates for non-owner car insurance across insurers in Idaho. Policies were for a 40-year-old driver with a safe driving record, with rates also collected for the same driver but with a DUI. All policies also followed Idaho’s minimum car insurance requirements, apart from liability insurance policies, which had:

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

Data collected for traditional car insurance policies also had the same limits.

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