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

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.

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.

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

• GEICO: $21 per month
• Travelers: $26 per month

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.

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

• GEICO: $34 per month
• Travelers: $36 per month

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.

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.

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.

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.

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.

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