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

In Maryland, a non-owner car insurance policy costs an average of $886 per year. MoneyGeek’s research shows that GEICO offers the most affordable non-owner policy in the state at an average annual cost of $510. Find out how non-owner car insurance works in Maryland with this guide.

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Last Updated: 8/16/2022

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.

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Cheapest Non-Owner Car Insurance Companies in Maryland

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?

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MoneyGeek’s analysis shows that across all companies in Maryland, the average cost of non-owner car insurance is $886 per year. This is less than a traditional policy, which has an average annual cost of $1,377.

There can be a significant increase in these costs if you have a DUI on your record. Our data show that insurers charge an average of $1,519 per year for a non-owner policy and an average of $2,041 per year for a standard auto policy if the driver has a DUI on their record.

Cheapest DUI Non-Owner Car Insurance Companies 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
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What Is Non-Owner Car Insurance in Maryland?

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.

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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

Who Should Get Non-Owner Car Insurance in Maryland?

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.

How to Get Non-Owner Car Insurance in Maryland

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
  • Company
    Contact Number
  • USAA
    800-531-8722
  • GEICO
    800-207-7847
  • Travelers
    866-248-9970
  • Nationwide
    877-669-6877
  • Progressive
    888-671-4405
  • MetLife
    800-422-4272

Frequently Asked Questions About Maryland Non-Owner Car Insurance

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.

Methodology

MoneyGeek collected non-owner car insurance quotes from insurers across Maryland in collaboration with Quadrant Information Services. These policies were for a 40-year-old driver, one with a safe driving record and one with a DUI. All policies meet the minimum car insurance requirements of Maryland, with the exception of liability insurance. These policies have:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

The data used for traditional car insurance policies had the same limits.

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