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


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ByMark Fitzpatrick
Edited byCasie McCoskey
ByMark Fitzpatrick
Edited byCasie McCoskey

Updated: May 20, 2024

Advertising & Editorial Disclosure

Non-owner auto insurance provides liability coverage for drivers in Kentucky who don’t own a car but still drive enough to require coverage. These policies are handy if you regularly use another person's vehicle or need continuous auto insurance protection. Non-owner auto insurance may also aid drivers with reinstating their driver’s licenses after a severe traffic violation, like a DUI.

MoneyGeek’s review identified Auto-Owners as Kentucky’s best and most affordable non-owner auto insurance provider. Meanwhile, State Farm is the state's cheapest non-owner auto insurance company for drivers with a history of driving violations.

MoneyGeek Logo IconNon-OwnerCar InsuranceKentucky
2024

Why Trust MoneyGeek? MoneyGeek sourced Kentucky data from Quadrant Information Services and examined customer and claim satisfaction ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).

256Plans Analyzed
 
8Providers Compared

Cheapest Non-Owner Car Insurance in Kentucky

Auto-Owners offers the cheapest non-owner auto insurance policies for Kentucky drivers with clean records. Meanwhile, State Farm provides the most affordable rates to drivers with violations on their records.

  • Drivers with clean records: Auto-Owners ($24 per month)
  • Drivers with violations: State Farm ($33 per month)

Earning a driving violation on your record will result in higher premiums for non-owner auto insurance. The least expensive policy for a Kentucky driver with a clean driving record is $9 cheaper per month than the average policy for drivers with a traffic offense on their records.

Cheapest Non-Owner Car Insurance With a Clean Driving Record in Kentucky

Auto-Owners and State Farm provide Kentucky consumers with clean driving histories with the most affordable non-owner car insurance policies.

  • Auto-Owners: $24 per month
  • State Farm: $29 per month

USAA offers affordable non-owner auto insurance in Kentucky for about $30 per month, the third-cheapest company in the state. However, this provider is only accessible to active-duty military personnel, veterans and their families.

Kentucky’s cheapest non-owner car insurance policies average $27 monthly. These rates are much more affordable than the national average of $43.

Auto-Owners Insurance CoCheapest Annual Premium$287Cheapest Monthly Premium$24
State FarmCheapest Annual Premium$344Cheapest Monthly Premium$29
TravelersCheapest Annual Premium$434Cheapest Monthly Premium$36
GEICOCheapest Annual Premium$518Cheapest Monthly Premium$43
AllstateCheapest Annual Premium$597Cheapest Monthly Premium$50
ProgressiveCheapest Annual Premium$759Cheapest Monthly Premium$63
NationwideCheapest Annual Premium$1,247Cheapest Monthly Premium$104
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KENTUCKY MINIMUM INSURANCE REQUIREMENTS

Non-owner auto insurance is subject to the same minimum coverage requirements as standard auto insurance in Kentucky. This mandate includes the following limits:

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

While the law enforces these minimum requirements, these limits may not provide everyone with adequate coverage. Before purchasing insurance, it's crucial to determine how much coverage you need.

Cheapest Non-Owner SR-22 Car Insurance in Kentucky

The most affordable non-owner auto insurance policies for Kentucky drivers with driving violations are from the following insurers:

Members of the military in Kentucky and their family members can purchase cheap SR-22 insurance from USAA for about $41 monthly.

When you have a driving violation on your record, like a DUI, you may need to file an SR-22. These severe driving offenses tend to increase your insurance premiums. However, Kentucky’s cheapest non-owner SR-22 insurance policies average $34 a month — $25 less than the average rate nationwide.

State FarmCheapest Annual Premium$391Cheapest Monthly Premium$33
Auto-Owners Insurance CoCheapest Annual Premium$411Cheapest Monthly Premium$34
TravelersCheapest Annual Premium$577Cheapest Monthly Premium$48
AllstateCheapest Annual Premium$784Cheapest Monthly Premium$65
GEICOCheapest Annual Premium$985Cheapest Monthly Premium$82
ProgressiveCheapest Annual Premium$1,133Cheapest Monthly Premium$94
NationwideCheapest Annual Premium$1,469Cheapest Monthly Premium$122
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WHAT IS SR-22 INSURANCE?

An SR-22 is a form, not an insurance policy, that your insurer files to demonstrate that you carry the legally required insurance coverage. It acts as evidence of your financial responsibility while on the road. Kentucky drivers with specific driving offenses, like a DUI or an at-fault accident, must file an SR-22 certificate. Although an SR-22 isn't insurance, it is related to your insurance plan because it proves you have the coverage the state requires.

What Is Non-Owner Car Insurance?

Non-owner auto insurance offers liability protection for drivers who don't own cars but occasionally drive or rent them. Since it lacks comprehensive and collision coverage, it does not cover your injuries or damages to the vehicle you are driving. It covers physical harm and damage to property that you may be responsible for in an accident.

The table below explores the differences between non-owner auto insurance and full coverage policies.

Policy Coverage
Full Coverage
Non-Owner

Liability insurance

Medical payments

Personal injury protection

Uninsured/underinsured motorist

Rental car liability

Average Cost of Non-Owner Car Insurance in Kentucky

In Kentucky, the average cost of non-owner auto insurance is about $47 monthly, more than the national average of $43.

Several factors may have a greater impact on your car insurance premiums than location. Your age, driving history, coverage limits and the kind of car you drive can all impact your insurance rates.

Non-Owner Car Insurance Cost Comparison: National vs. State

car
National Average Cost

Monthly Premium

$43
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Kentucky Average Cost

Monthly Premium

$47
On average, non-owner car insurance in Kentucky is:$4 more

This is 9% more expensive.

Best Non-Owner Car Insurance in Kentucky

MoneyGeek identified the following companies as the best non-owner car insurance providers in Kentucky:

  • Auto-Owners: MoneyGeek score 78 out of 100 ($24 per month)
  • State Farm: MoneyGeek score 74 out of 100 ($29 per month)
  • Travelers: MoneyGeek score 73 out of 100 ($36 per month)

We considered affordability, customer service scores from J.D. Power and AM Best’s ratings for financial stability in our rankings. Below, we reviewed these three companies to help you choose your ideal insurer.

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MoneyGeek Top Pick
Auto-Owners

Auto-Owners offers competitive prices and top-notch customer support, making it our top pick for Kentucky's best non-owner car insurance. It provides a range of affordable coverages and cheap rates for drivers with traffic violations on their records.

Apart from standard policies, Auto-Owners provides a unique add-on option called diminished value coverage, which safeguards your investment by paying you back for depreciation in the worth of your car.

Read the full Auto-Owners car insurance review.

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Runner-Up
State Farm

State Farm earned the second-place spot on MoneyGeek's list of Kentucky’s best non-owner auto insurance. Despite an average customer satisfaction rating, this provider offers reliable claims management and beneficial add-ons.

Although State Farm's auto insurance prices are generally affordable, discounts can cut the cost of a policy even further. State Farm provides generous discounts for families, including deals for finishing a driver's education course before drivers turn 21. Although the insurer lacks unique coverage add-ons, it does provide rideshare insurance.

Read the full State Farm car insurance review.

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Third Place
Travelers

Although Travelers sets itself apart from its competitors with excellent coverage options, robust financial stability and affordable rates, our research found that it may not process claims as efficiently. It came in third on MoneyGeek's ranking of Kentucky's top non-owner car insurance companies.

Discounts from Travelers include deals for bundling policies, rewards for safe driving and paperless discounts. Travelers offers many popular auto insurance add-on coverages, including accident forgiveness, new car replacement and roadside assistance.

Read the full Travelers car insurance review.

Should You Get Non-Owner Car Insurance in Kentucky?

People without cars but who still drive should consider non-owner auto insurance policies. These policies can be helpful for people who routinely rent vehicles, borrow cars from friends or family or drivers who want to get their licenses back after a severe driving offense.

Below, we detail drivers who may benefit the most from non-owner car insurance.

Who Should Consider Non-Owner Car Insurance?

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    Car borrowers

    People who often borrow vehicles from friends or relatives should ensure they have liability insurance in case they are involved in an accident while using a non-owned vehicle. Having a policy will prevent potential legal action against you if you are at fault.

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    Frequent renters

    Drivers who frequently rent vehicles for personal use, travel or other short-term needs can benefit from the liability protection that non-owner insurance policies provide. These policies are typically more cost-effective and extensive than car rental companies’ plans.

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    Drivers between cars

    A non-owner car insurance policy can benefit consumers who have sold a vehicle and are waiting to purchase a new one. Maintaining continuous insurance coverage can avoid increases in rates once you re-obtain a standard insurance policy.

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    License reinstatement seekers

    The Kentucky Driver’s Licensing Office may require drivers to acquire an SR-22 certificate after a severe driving offense. This requirement may be satisfied with non-owner auto insurance, helping you reinstate your license.

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ONE-DAY CAR INSURANCE

In Kentucky, “one-day insurance” is not a legitimate product and may be insurance fraud, so it’s advisable to be cautious when encountering providers advertising it. It is safer to obtain rental car insurance straight from a car rental business if you only require temporary car insurance, such as for a move or road trip. These plans guarantee authentic coverage and safeguard you against possible fraud.

Frequently Asked Questions About Non-Owner Car Insurance in Kentucky

Shopping for car insurance can be confusing, but MoneyGeek answered frequently asked questions about non-owner auto insurance in Kentucky to help you find the best policy.

Which company offers the cheapest non-owner car insurance in Kentucky?
Which companies offer non-owner car insurance with the best mix of quality and affordability in Kentucky?
How much does non-owner car insurance cost in Kentucky?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.