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

Non-owner car insurance in Kentucky costs $854 per year on average. With an average annual cost of $187, GEICO is the most affordable car insurance company in the state. If you want to learn more about how non-owner car insurance works in Kentucky, our comprehensive guide can help.

REVIEW AUTO INSURANCE RATES

Insurance Rates

Loading...

widget-location-pin
Advertising & Editorial Disclosure
Last Updated: 8/16/2022

Non-owner car insurance is ideal for drivers who frequently use rental cars or car-sharing services. You can also buy non-owner car insurance in Kentucky if you need proof of insurance to reinstate your license.

For drivers with a clean driving history, non-owner car insurance costs an average of $854 per year. If you have a DUI on your record, the same policy costs an average of $1,487 annually.

MoneyGeek broke down the costs of non-owner car insurance in Kentucky and explained when you should and shouldn’t get this type of policy.

tip icon

Cheapest Non-Owner Car Insurance Companies in Kentucky

The cost of non-owner car insurance in Kentucky is cheaper than a standard car insurance policy. You can still save money by comparing quotes from different insurers.

MoneyGeek’s research shows that, on average, these insurers provide the cheapest non-owner car insurance in Kentucky:

  • GEICO: $187 per year
  • State Farm: $343 per year

USAA is the second cheapest option, costing roughly $234 per year. However, these policies are only available to members of the military and their families.

Metlife has the most expensive non-owner car insurance policy in the state, with an average annual cost of $2,117.

These average costs are for a 40-year old driver with a non-owner car insurance policy in Kentucky with limits detailed in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Kentucky

Scroll for more

swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $187
    $16
  • USAA
    $234
    $20
  • State Farm
    $343
    $29
  • Travelers
    $501
    $42
  • Progressive
    $1,047
    $87
  • Nationwide
    $1,548
    $129
  • MetLife
    $2,117
    $176
Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin

How Much Is Non-Owner Car Insurance in Kentucky?

0
0

MoneyGeek’s data shows that the average annual cost of non-owner car insurance in Kentucky is $854. In comparison, a regular car insurance policy in the state costs an average of $879 per year, which is paying $25 more.

This difference could become higher if you have a serious violation like a DUI on your record. A non-owner car insurance policy for a driver with a DUI could cost $1,487 per year on average, while a regular car insurance policy has an average annual cost of $1,678 for the same driver. The policies mentioned have a cost difference of $191 per year.

Cheapest DUI Non-Owner Car Insurance Companies in Kentucky

Non-owner Car insurance could be the most affordable option for drivers who need a car insurance policy without owning a car or have serious driving violations like DUI on their driving record.

MoneyGeek’s data shows that, on average, the cheapest non-owner car insurance companies in Kentucky for drivers with a DUI are:

  • State Farm: $343 per year
  • GEICO: $387 per year

USAA is the second cheapest option for drivers with a DUI and costs an average of $349 per year. However, these policies are only offered to members of the military.

The most expensive insurer for a non-owner car insurance policy with a DUI in Kentucky is MetLife, with an average cost of $5,766 per year.

Cheapest DUI Non-Owner Car Insurance Companies in Kentucky

Scroll for more

swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $343
    $29
  • USAA
    $349
    $29
  • GEICO
    $387
    $32
  • Travelers
    $807
    $67
  • Progressive
    $1,210
    $101
  • Nationwide
    $1,548
    $129
  • MetLife
    $5,766
    $481
Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin

What Is Non-Owner Car Insurance in Kentucky?

Non-owner car insurance, also called non-owner liability insurance, is ideal for drivers who don’t own a car but need insurance coverage for a rental vehicle or license reinstatement. It includes liability insurance and other minimum required coverage limits mandated by the state. However, it does not include comprehensive and collision insurance. This is also known as a full coverage.

If you’re buying non-owner car insurance in Kentucky, you may also add uninsured or underinsured motorist coverage to your policy.

tip icon
MONEYGEEK EXPERT TIP

In Kentucky, a non-owner car insurance policy needs to meet the following minimum requirements according to state law:

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

Who Should Get Non-Owner Car Insurance in Kentucky?

If you’re a driver in Kentucky, you should opt for a non-owner car insurance policy if:

  • You need insurance to get your license reinstated. Your license could be suspended if you’re found driving under the influence of drugs or alcohol, have moving violations on your record or do not have insurance. While the state law does not require an SR-22 certificate to reinstate your license, you still need the minimum required insurance coverage, which makes non-owner car insurance the best option for you.
  • You frequently use rental cars or car-sharing services. A non-owner car insurance policy covers you for any accident-related damages incurred while driving a rental car or another type of shared vehicle. It’s cheaper than getting coverage from the rental car company.
  • You don’t own a car currently but want insurance coverage to avoid a lapse. An insurance lapse could increase your insurance premiums since insurers might consider you a high-risk driver. To save money on unnecessary fees, it’s ideal to get a non-owner car insurance policy even if you don’t have a car.

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

Buying a non-owner car insurance policy isn’t necessary if you borrow someone else's car with their permission. For example, if you live in Frankfort and borrow a friend’s car, you don’t need non-owner car insurance as their personal car insurance policy covers you if they allow you to drive their vehicle.

You also don’t need to buy a non-owner policy if you don’t use rental cars frequently. For example, if you only use a rental car twice a year, it’s more affordable to get insurance from your car rental company.

How to Get Non-Owner Car Insurance in Kentucky

MoneyGeek’s research shows that all the insurers mentioned in this guide provide non-owner car insurance in Kentucky. Typically, insurance companies don’t offer online non-owner car insurance quotes. The best way to obtain a quote is to call the different insurance providers using the phone numbers listed below.

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

Frequently Asked Questions About Kentucky Non-Owner Car Insurance

There is a significant difference between a regular insurance policy and a non-owner car insurance policy, which may cause some confusion. Here are the most frequently asked questions about non-owner car insurance policies in Kentucky.

Methodology

MoneyGeek collected non-owner car insurance quotes across Kentucky in collaboration with Quadrant Information Services. These policies were for a 40-year-old driver with both a safe driving record and a DUI. All policies meet the minimum car insurance requirements of Kentucky, with the exception of liability insurance policies, which have 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 data used for standard car insurance policies had the same limits.