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

Non-owner auto insurance offers liability protection for drivers who don't own cars but benefit from financial security while driving. This coverage may be helpful if you borrow someone else's car or need continuous auto insurance coverage while between vehicles. Non-owner auto insurance may also facilitate driver’s license reinstatement after a suspension following an infraction like a DUI.

MoneyGeek found that Auto-Owners balances price with customer service to provide Idaho's best and most affordable non-owner auto insurance. For drivers with a history of traffic violations, Auto-Owners also offers the state's cheapest non-owner auto insurance.

Auto-Owners provides Idaho’s cheapest non-owner car insurance for drivers with clean records and drivers with an at-fault accident on their records.

• Drivers with clean records: Auto-Owners ($11 per month)
• Drivers with violations: Auto-Owners ($12 per month)

Non-owners with a driving conviction should prepare to pay slightly more for auto insurance. Compared to a driver with a history of traffic infractions, a policyholder with a spotless driving record can save around $20 annually.

Auto-Owners and State Farm provides Idaho drivers with the cheapest average non-owner auto insurance policies.

• Auto-Owners: $11 per month
• State Farm: $18 per month

USAA provides inexpensive non-owner auto insurance in Idaho for $14 per month, but this company is only accessible to military service members, veterans and their families.

The average cost of non-owner car insurance from cheap Idaho providers is $15 monthly, less than half the national average of $43.

Auto-Owners and State Farm offer the least expensive non-owner auto insurance plans for Idaho motorists with a history of traffic violations.

• Auto-Owners: $12 per month
• State Farm: $20 per month

For active duty service members and their families in the state with a history of moving offenses, USAA provides cheap non-owners auto insurance policies at an average monthly cost of $20.

If you have a driving infraction, such as a DUI or an at-fault accident, the state may require you to submit an SR-22. These types of offenses typically increase your premiums. Idaho offers cheap non-owner SR-22 insurance for a monthly average of $16, $43 less than the national average ($59 per month).

Idaho's non-owner auto policies provide liability-only coverage if you drive but don't own a car. If you cause an accident and are at fault, it won't pay for your own medical expenses or auto repairs because it doesn't include collision or comprehensive coverage. However, it will pay for the liability damage to other parties.

Non-owner car insurance might be wise if you rely on rental cars or borrow friends' cars. It's also helpful if you have a lapse in your regular auto insurance and want to protect yourself from a premium increase. The table below displays the differences in coverage between non-owner and full coverage insurance.

In Idaho, the average cost of auto insurance for non-owners is $22 monthly, significantly less than the $43 monthly national average. Although your location influences your premium, other factors like your age, driving history, the extent of your coverage and the car you drive have a more significant impact on your overall costs.

The top three non-owner auto insurance providers in Idaho are:

• Auto-Owners: MoneyGeek score 78 out of 100
• State Farm: MoneyGeek score 64 out of 100
• GEICO: MoneyGeek score 61 out of 100

We based our MoneyGeek scores on weighted values of essential insurer traits, including affordability, AM Best's financial stability ratings and J.D. Power's consumer satisfaction scores. We have provided a summary of each company to help you kickstart your search for non-owners auto insurance in Idaho.

Non-owner auto insurance is your best option for liability protection if you don't own a vehicle but frequently use rental cars or want to avoid significant gaps in your insurance history. You may also need non-owner insurance if the state has suspended your license, and you need to prove financial responsibility to reinstate it.

We responded to some of your most frequently asked questions about non-owner auto insurance in Idaho to help you find the best policy.