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

Drivers who frequently use rental cars, car-sharing services or need insurance coverage to get their license reinstated could benefit from non-owner car insurance in Maine.

If you have a clean driving record, a non-owner car insurance policy costs $188 per year on average. A serious violation like a DUI could potentially increase your non-owner car insurance premium to roughly $332 per year.

MoneyGeek broke down the average cost of non-owner car insurance in Maine and explains when you should and shouldn’t get this type of policy.

TABLE OF CONTENTS

1. Cheapest Non-Owner Car Insurance
2. Cheapest Non-Owner SR-22 Car Insurance
3. What is Non-Owner Car Insurance
4. Who Should Get Non-Owner Car Insurance

While a non-owner car insurance policy is generally cheaper than a regular auto insurance policy, you can still save money on your premiums by comparing quotes from different insurers.

On average, MoneyGeek’s analysis shows that the following companies offer the cheapest non-owner car insurance in Maine:

• Progressive: $199 per year
• Travelers: $208 per year

With an average annual cost of $92, USAA is the cheapest non-owner car insurance provider in Maine. However, it is only available to drivers with military backgrounds.

GEICO offers the most expensive non-owner car insurance policy in the state at an average cost of $253 per year.

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

Cheapest Non-Owner Car Insurance Companies in Maine

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• Company
  Annual Premium
  Monthly Premium
• USAA
  $92
  $8
• Progressive
  $199
  $17
• Travelers
  $208
  $17
• GEICO
  $253
  $21

How Much Is Non-Owner Car Insurance in Maine?

If you don’t own a car but need to file an SR-22 in Maine to get your license reinstated, a non-owner SR-22 car insurance policy could be the most affordable option. You may also need to file an SR-22 if you have a serious driving violation like a DUI on your record.

On average, MoneyGeek’s research shows that the cheapest non-owner car insurance companies in Maine for drivers with a DUI on their record are:

• Progressive: $233 per year
• Travelers: $306 per year

USAA, with an average annual cost of $192, is the cheapest non-owner car insurance provider in the state but is only available to drivers with military backgrounds.

The most expensive non-owner car insurance company for drivers with a DUI in Maine is GEICO, with an average cost of $597 per year.

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

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• Company
  Annual Premium
  Monthly Premium
• USAA
  $192
  $16
• Progressive
  $233
  $19
• Travelers
  $306
  $26
• GEICO
  $597
  $50

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If you need insurance coverage but do not own a car, non-owner car insurance, also called non-owner liability insurance, is an ideal option for you. A non-owner car insurance policy typically includes liability insurance and meets the minimum coverage requirements for the state. However, it’s different from full coverage as it does not include comprehensive and collision insurance.

MONEYGEEK EXPERT TIP

A non-owner car insurance policy in Maine needs to meet the following minimum required coverage limits of the state, including:

• $50,000 bodily injury liability per person
• $100,000 bodily injury liability per accident
• $25,000 property damage liability per accident
• $50,000 uninsured/underinsured motorist coverage per person
• $100,000 uninsured/underinsured motorist coverage per accident
• $2,000 medical payments coverage

MoneyGeek’s research shows that a non-owner car insurance policy is the ideal option for drivers who:

• Need insurance coverage to get their license reinstated. In Maine, your license could be suspended after committing a significant driving violation. To get your license reinstated, a non-owner car insurance policy could be the cheapest option for you.
• Frequently use rental cars or car-sharing services. If you frequently use rental vehicles, continually using a rental car insurance policy would be an expensive option for you. You could buy a non-owner car insurance policy instead to save money on insurance premiums. This policy covers you in case of an accident or loss to your rental car.
• Temporarily don’t have a car but need insurance coverage to avoid a lapse. An insurance lapse can have a significant impact on your car insurance premiums as insurers would consider you a high-risk driver. If you currently don’t own a car but want to save money on car insurance, a non-owner car insurance policy is an ideal solution.

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

A non-owner car insurance policy isn’t necessary if you borrow someone else's car. If you live in Portland and a friend has given you permission to drive their car, you don’t need to buy a non-owner car insurance policy because your friend’s personal auto policy will cover you.

Also, if you only use rental cars once or twice a year while traveling, using the rental car company’s insurance instead of purchasing a non-owner policy would be more affordable for you.

MoneyGeek’s research shows that all the companies mentioned in this guide provide non-owner car insurance quotes. Insurers don’t typically offer non-owner car insurance quotes online, so it’s best to call the insurance companies using the phone numbers listed below. You can then compare quotes to find the best non-owner car insurance policy for your needs.

Contact Non-Owner Car Insurance Companies in Maine

Since a non-owner car insurance policy is different from a standard auto policy, it can cause some confusion. Here are the most frequently asked questions about non-owner car insurance in Maine: