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

Non-owner car insurance is a good option for drivers who frequently rent cars or need proof of insurance to get their license reinstated.

If you have a clean driving record, it could cost an average of $886 per year for a non-owner policy in Maryland. This average cost will increase to $1,519 annually if you have a DUI on your record.

In this guide, MoneyGeek broke down the average costs of non-owner car insurance in Maryland and explained who should and shouldn’t buy 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 policy generally costs less than a traditional policy, you can still save money on it by shopping around among insurance companies.

MoneyGeek’s research shows that, on average, the following companies offer the cheapest widely available non-owner car insurance in Maryland:

• GEICO: $510 per year
• Travelers: $688 per year

For drivers with a military background and their families, USAA is the most affordable option at an average annual cost of $478.

The most expensive company for non-owner car insurance in Maryland is Metlife, with an average annual cost of $1,476.

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

Cheapest Non-Owner Car Insurance Companies in Maryland

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• Company
  Annual Premium
  Monthly Premium
• USAA
  $478
  $40
• GEICO
  $510
  $43
• Travelers
  $688
  $57
• Nationwide
  $843
  $70
• Progressive
  $1,319
  $110
• MetLife
  $1,476
  $123

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How Much Is Non-Owner Car Insurance in Maryland?

For drivers who have a history of serious violations like a DUI and do not own a car but need insurance coverage, non-owner car insurance in Maryland may be the most affordable choice.

MoneyGeek’s research shows that, on average, the following companies offer the cheapest non-owner car insurance in Maryland for drivers with a DUI:

• Nationwide: $843 per year
• GEICO: $931 per year

If you have a military background, USAA is the most affordable option at an average annual cost of $829.

The most expensive company for a non-owner policy with a DUI is Metlife, at an average cost of $3,873 per year.

Cheapest DUI Non-Owner Car Insurance Companies in Maryland

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• Company
  Annual Premium
  Monthly Premium
• USAA
  $829
  $69
• Nationwide
  $843
  $70
• GEICO
  $931
  $78
• Travelers
  $1,006
  $84
• Progressive
  $1,631
  $136
• MetLife
  $3,873
  $323

Show more

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Non-owner car insurance, also known as non-owner liability insurance, is the best option for drivers who do not own a car but need insurance coverage. It includes liability coverage and other minimum coverages required by the state. However, it does not include comprehensive and collision insurance, also known as full coverage.

MONEYGEEK EXPERT TIP

In Maryland, a non-owner car insurance policy needs to meet the following minimum coverage requirements:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $15,000 property damage liability per accident
• $30,000 uninsured/underinsured motorist coverage per person
• $60,000 uninsured/underinsured motorist coverage per accident
• $15,000 uninsured/underinsured property damage coverage per accident

MoneyGeek’s research shows that the following types of drivers should opt for non-owner car insurance in Maryland:

• Those who need insurance to get their license reinstated: In Maryland, your license can be suspended due to reckless driving, multiple moving violations or a DUI conviction. According to the state’s law, you will need insurance coverage to reinstate your license. In this case, a non-owner policy would be the most affordable option for you.
• Those who frequently use rental cars or car-sharing services: Rental car insurance can be expensive if you are a frequent user of rental cars. Instead, you can buy a non-owner policy that will cost less and provide coverage in case you are in an accident.
• Those who temporarily don’t have a car but need insurance coverage to avoid a lapse: If you don’t currently have a car, it’s best to buy a non-owner policy to avoid a lapse in your insurance coverage. With an insurance coverage lapse, insurance companies will consider you a high-risk individual and charge you higher rates for a car insurance policy in the future.

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

Non-owner car insurance isn’t necessary for a borrowed car. If you live in Baltimore and borrow a friend’s car with their permission, you don’t need to get a non-owner policy because their personal auto policy will cover you.

Also, if you don’t use rental cars frequently, buying rental car insurance instead of a non-owner policy would be sufficient and more affordable for you. For example, if you only rent a car a couple of times each year, it’s cheaper to opt for insurance from the rental car company instead of buying a non-owner car insurance policy.

MoneyGeek confirmed that all the insurers mentioned in this guide provide non-owner car insurance. However, they typically do not offer online quotes for these types of policies. If you want to ask for a quote, it is best to call the insurers that offer non-owner policies in Maryland using the contact information listed below.

Contact Non-Owner Car Insurance Companies in Maryland

A non-owner car insurance policy is different from a standard auto policy. The following frequently asked questions about non-owner car insurance in Maryland may help you understand the differences better.