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

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.

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.

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.

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

• State Farm: $33 per month
• Auto-Owners: $34 per month

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.

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.

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.

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.

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.

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.