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Non-owner car insurance provides liability coverage for individuals who frequently drive but don’t own cars. It helps pay for property damage or bodily injury to others if you are at fault in an accident. This policy type may also be beneficial for drivers with severe violations, such as a DUI, who need to get their license reinstated.

Based on MoneyGeek’s analysis, GEICO offers the cheapest non-owner car insurance in Maine for drivers with clean records and those with violations. It’s also the best company for those who want a balance of affordable premiums and quality customer service. Before committing to a policy, consider your unique needs and driver profile to ensure you’re making a wise financial decision for your situation.

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Cheapest Non-Owner Car Insurance in Maine

The most affordable non-owner car insurance in Maine is from:

  • Drivers with clean records: GEICO ($21 per month)
  • Drivers with violations: GEICO ($34 per month)

You can expect higher premiums for non-owner car insurance if you have committed a driving offense. Although they’re both offered by the same insurer, the cheapest policy in Maine for a driver with a violation costs $13 more per month than the least expensive policy for a driver with a clean driving history.

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

These auto insurers provide the cheapest non-owners car insurance for Maine drivers with clean records:

USAA offers the lowest rate at $16 per month, but its policies are only available to those with a military background. The cheapest rates for non-owner car insurance in Maine are much lower than the national average of $43 per month.

Cheapest Annual Premium
Cheapest Monthly Premium










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Non-owner car insurance must adhere to the minimum car insurance requirements in Maine, which are as follows:

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

Minimum coverage car insurance may not provide enough financial protection for drivers in case of an accident. It’s best to carefully consider how much coverage you need before buying a policy.

Cheapest Non-Owner SR-22 Car Insurance in Maine

Non-owner drivers looking for affordable SR-22 insurance in Maine may consider these providers:

Military members and their families may get the lowest rate from USAA at $25 per month.

If you commit a serious driving violation such as a DUI — or, in Maine, an OUI — you may be required to file an SR-22 form and face higher insurance rates. The cheapest non-owner SR-22 insurance in Maine costs an average of $34 per month, which is significantly lower than the national average of $59 per month.

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While it’s common to say “SR-22 car insurance,” it’s important to remember that SR-22 is not a policy type. Instead, it’s a form filed by your insurance carrier to prove you have car insurance that meets the state minimum coverage. You may need SR-22 insurance in Maine after certain driving violations such as operating under the influence (OUI) or getting into an accident without insurance.

What Is Non-Owner Car Insurance?

Non-owner car insurance provides liability coverage for third-party bodily injury or property damage if you are at fault in an accident while driving a rented or borrowed vehicle. It’s specifically designed for individuals who frequently drive but don’t own cars, including renters and professional drivers.

Note that non-owner car insurance doesn’t cover your injuries or damages to the vehicle you’re driving. The table below compares the coverage variations between non-owner and full coverage policies.

Policy Coverage
Full Coverage

Liability insurance

Medical payments

Personal injury protection

Uninsured/underinsured motorist

Rental car liability



Average Cost of Non-Owner Car Insurance in Maine

On average, non-owner car insurance in Maine costs $35 per month — $8 lower than the national average of $43 per month.

Location typically affects insurance rates, but factors like age, driving history, coverage level and the type of vehicle often have a more significant impact on the cost of car insurance.

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

National Average Cost

Monthly Premium

Maine Average Cost

Monthly Premium

On average, non-owner car insurance in Maine is:$8 saved

This is 19% less expensive.

Best Non-Owner Car Insurance in Maine

These insurance companies offer the best blend of cost and service quality for non-owner drivers in Maine:

  • GEICO: MoneyGeek score of 69 out of 100 ($21 per month)
  • Travelers: MoneyGeek score of 69 out of 100 ($26 per month)
  • Progressive: MoneyGeek score of 66 out of 100 ($32 per month)

Our ranking considered several factors, including affordability, J.D. Power customer satisfaction ratings and financial stability ratings from AM Best. The following overviews of the top three insurers below can help you figure out the best option for your needs.

MoneyGeek Top Pick

With GEICO, you can get quality customer service at an affordable cost. That said, it falls behind some of its competitors when it comes to claims management and coverage options.

GEICO offers various discounts that can help reduce your insurance costs. These include discounts for bundling, insuring more than one car and installing safety features in your vehicle like airbags and anti-lock brakes. You may also qualify for a discount by wearing your seatbelt or completing a defensive driving course.

Read the full GEICO car insurance review.


Travelers is notable for its affordability, financial stability and coverage options. While it provides excellent customer service, it received a below-average claims management score.

Travelers offers useful add-on coverages like accident forgiveness, gap insurance and new car replacement. It also offers discounts for bundling policies, insuring multiple cars and going paperless. In addition to these common discounts, Travelers has rare discounts for new vehicle owners, homeowners and loyal customers.

Read the full Travelers car insurance review.

Third Place

Progressive is another great choice for non-owner car insurance, offering affordable premiums, quality service and various coverage options. It’s worth noting, however, that it receives more customer complaints than the average insurer.

This company’s coverage options include both common and unique coverages, including deductible modification, accident forgiveness, gap insurance and custom parts coverage. When it comes to discounts, Progressive has some discounts that are rarely offered by other insurers. These include continuously insured, online quote and sign online discounts.

Read the full Progressive car insurance review.

Should You Get Non-Owner Car Insurance in Maine?

Non-owner car insurance is a good option for those who don’t own the vehicle they drive, such as individuals who drive borrowed or rental cars. Getting non-owner car insurance may also be ideal if you want to avoid a lapse in coverage or need to reinstate your license.

Who Should Consider Non-Owner Car Insurance?

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    Car borrowers

    Non-owner car insurance can be beneficial for individuals who frequently borrow cars from friends or family members. By getting this policy type, they can be financially protected against liability claims in case of an accident. Simply put, non-owner car insurance offers peace of mind and financial security to non-owner drivers at a more affordable cost than a full coverage car insurance policy.

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    Occasional renters

    Those who occasionally rent cars may also consider getting non-owner car insurance. It provides coverage for third-party property damage and bodily injury liability if the policyholder is at-fault in an accident and can be a cost-effective alternative to standard car insurance.

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    Drivers between cars

    Insurance carriers often charge higher rates when there’s a gap in a driver’s coverage history. People who have recently sold their vehicle or don’t plan on driving for a long time may opt for non-owner car insurance. This can help them avoid more expensive premiums if and when they go back to regular coverage.

  • driverLicense icon

    License reinstatement seekers

    Drivers with a suspended or revoked license may need to get non-owner car insurance and file an SR-22 form to restore their driving privileges and prove that they meet the minimum car insurance coverage required in the state.

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Be wary of providers that claim to offer “one-day insurance,” as this isn’t a legitimate product and may be a scam. If you need temporary car insurance in Maine, we recommend purchasing car insurance directly from the car rental company. This ensures that you are getting legitimate insurance and provides the necessary coverage for your short-term needs.

Frequently Asked Questions About Non-Owner Car Insurance in Maine

We addressed some frequently asked questions to help you gain more valuable insight about non-owner car insurance in Maine.

About Mark Fitzpatrick

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Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.