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Licensed drivers in Maryland who don’t own vehicles but require auto liability coverage may benefit from non-owner car insurance. It is particularly useful for those who frequently borrow or rent cars or need to maintain continuous coverage. Drivers with severe violations, such as a DUI, may need non-owner car insurance when reinstating a revoked license.

The most affordable non-owner auto insurance for drivers with clean records in Maryland comes from Kemper, but Travelers offers a good mix of affordability and customer satisfaction, making it the best non-owner auto insurance provider in the state. GEICO has the cheapest non-owner auto insurance for high-risk drivers that would require an SR-22 filing in other states, but Maryland does not require it. The company that works best for you depends on multiple factors.

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Cheapest Non-Owner Car Insurance in Maryland

The following companies provide the average cheapest non-owner car insurance in Maryland:

  • Drivers with clean records: Kemper ($36 per month)
  • Drivers with an at-fault accident: GEICO ($63 per month)

The cost of non-owner car insurance may increase if you have a violation on your motor vehicle record. In Maryland, it costs around $27 more per month for the most affordable non-owner insurance if you have an at-fault accident compared to a driver with a clean record.

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

The two companies that provide, on average, the most affordable non-owner car insurance for drivers with clean records in Maryland are:

USAA might be a great choice for military community members, charging an average of $28 per month.

The rates of the cheapest non-owner car insurance companies in Maryland average out to $39 per month, which is lower than the national average of $43 per month.

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The minimum coverage requirements for auto insurance in Maryland do apply to non-owner car insurance. They are the following:

  • Bodily injury liability of $30,000 per person
  • Bodily injury liability of $60,000 per accident
  • Property damage liability of $15,000 per accident

While state law mandates these minimum limits, they might not provide adequate coverage in an at-fault accident, leaving you to pay what is not covered by the policy. Knowing how much coverage you need is crucial before you purchase an auto insurance policy, including a non-owner policy.

Cheapest Non-Owner SR-22 Car Insurance in Maryland

Maryland doesn’t require drivers to file an SR-22, but high-risk drivers still pay more, just like in states that have SR-22 insurance. The companies that provide the average cheapest non-owner car insurance for drivers with a violation are:

USAA might be a good option for members of the military community who need affordable non-owner coverage in Maryland that would require SR-22 insurance in other states. It charges an average of $47 per month in Maryland.

The average of the two cheapest companies’ rates in Maryland for high-risk drivers with non-owner insurance is $64 per month, which is $4 above the national average of $59.

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An SR-22 is a certificate of financial responsibility the state or a court order may require from some drivers. It is not a type of insurance but a form your insurer files on your behalf to prove that your auto insurance policy meets the minimum liability coverage required by your state.

Although Maryland doesn’t require drivers to file an SR-22, if you move to Maryland from a state where it was required, you may still have to fulfill that original SR-22 for the period mandated by that state. Compare quotes to ensure you’re getting the cheapest high-risk car insurance in Maryland.

What Is Non-Owner Car Insurance?

Non-owner car insurance is meant for drivers in Maryland who do not own vehicles but still need protection while driving. It provides liability coverage, which means it helps cover the costs associated with bodily injuries to others or property damage if you are involved in an at-fault accident. You may consider this type of insurance if you frequently rent or borrow vehicles, or to avoid a premium increase due to a lapse in coverage. The corresponding table highlights the differences in coverage between full coverage and non-owner auto insurance.

Policy Coverage
Full Coverage

Liability insurance

Medical payments

Personal injury protection

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Average Cost of Non-Owner Car Insurance in Maryland

The average cost of car insurance for non-owners in Maryland is $45 per month, which is almost at par with the national average of $43 per month.

Rating factors that affect auto insurance costs include your location, age and motor vehicle record. The coverage limits you seek also play an important role.

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

National Average Cost

Monthly Premium

Maryland Average Cost

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On average, non-owner car insurance in Maryland is:$2 more

This is 5% more expensive.

Best Non-Owner Car Insurance in Maryland

The three best non-owner car insurance companies in Maryland are:

  • Travelers: MoneyGeek score of 66 out of 100 ($52 per month)
  • GEICO: MoneyGeek score of 64 out of 100 ($41 per month)
  • Progressive: MoneyGeek score of 60 out of 100 ($47 per month)

Our experts ranked the top auto insurance companies based on parameters such as affordability, customer satisfaction ratings from J.D. Power and AM Best’s financial stability ratings. Take a look at the overviews of these companies to determine which might work best for you.

MoneyGeek Top Pick

Travelers provides the best non-owner auto insurance in Maryland. It scored the highest for customer satisfaction and claims handling of the companies we reviewed. But, it is not the most affordable company for the minimum liability limits. But, with Travelers, a good driving record may get you a discount on your premium.

Read the Travelers review to get a glimpse of what you could expect if you choose this company.


GEICO is among the largest insurance providers in the U.S. and has the second-cheapest non-owner policy in Maryland. This company has a very good customer satisfaction rating, but its customer complaint ratio leaves considerable room for improvement. With GEICO, many drivers may qualify for a discount, such as active-duty and retired military members, Reserves and National Guard members and federal employees.

Read MoneyGeek’s GEICO review to learn more.

Third Place

Progressive is the third-best option for non-owner car insurance in Maryland. Its customer satisfaction score is very good, but its affordability and claims handling are below average. Progressive may apply a discount to your premium if you have a clean driving record or pay your premium in full.

Read the Progressive review to see what else the company offers policyholders.

Should You Get Non-Owner Car Insurance in Maryland?

You may consider getting non-owner car insurance in Maryland if you don’t own a vehicle but borrow or rent one frequently, if you wish to avoid a gap in your insurance coverage history or if you wish to get your suspended/revoked license reinstated.

Who Should Consider Non-Owner Car Insurance?

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    Car borrowers

    Non-owner car insurance might work well for drivers who frequently borrow cars from friends or family members. By getting non-owner car insurance, they have liability protection in the event of an at-fault accident, ensuring peace of mind and financial security.

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    Frequent renters

    Drivers who frequently rent cars may benefit from non-owner car insurance, as it provides liability coverage for property damage and bodily injury if they’re involved in an at-fault accident. It gives you a more affordable way to get liability coverage when compared to what car rental companies charge. But, a non-owner policy does not cover collision, so you may want to pay for that through the company.

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    Drivers between cars

    If there’s a break in auto insurance coverage history, insurance companies may charge a higher premium. Non-owner car insurance is an affordable solution for those who’ve recently sold their vehicles or don’t plan to drive for a while. It gives you the means to steer clear of high car insurance costs when you need regular coverage again.

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    License reinstatement seekers

    You might need to get non-owner car insurance if you wish to reinstate your driver's license after a suspension or revocation.

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Be wary of companies that claim to offer "one-day insurance" because this is likely not a legitimate insurance product in Maryland and may well be a scam. If you require coverage for a short period, we recommend you buy car insurance from a rental car insurance company. There are various ways to get legitimate temporary car insurance in Maryland.

Frequently Asked Questions About Non-Owner Car Insurance in Maryland

Take a look at the answers to some commonly asked questions about Maryland non-owner car insurance to determine the best way forward.

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.