Non-owner car insurance provides liability coverage for drivers who don’t own vehicles but still need insurance. This type of coverage may prove to be particularly beneficial if you frequently borrow cars from others or need to show continuous auto insurance without owning a car. Obtaining non-owner car insurance might also assist you in reinstating a suspended/revoked driver's license, especially if you have a prior severe violation, like a DUI.
Of the companies reviewed, MoneyGeek found State Farm is the most cost-effective option for non-owner car insurance in Massachusetts when purchasing minimum coverage. It is also the top provider, offering a well-balanced combination of affordability and customer satisfaction. Additionally, it is the most affordable choice for non-owner drivers who must file an SR-22.
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Cheapest Non-Owner Car Insurance in Massachusetts
On average, the companies that provide the most affordable non-owner car insurance in Massachusetts are the following:
- Drivers with a clean record: State Farm ($26 per month)
- Drivers with an at-fault accident: State Farm ($43 per month)
You end up paying more for non-owner car insurance if you have a driving violation. In Massachusetts, the average cost of the most affordable non-owner car insurance — through State Farm — increases by $17 per month if you move from having a clean motor vehicle record to one with an at-fault accident.
Cheapest Non-Owner Car Insurance With a Clean Driving Record in Massachusetts
As a driver with a clean record, you may get the average cheapest non-owner auto insurance in Massachusetts from the following:
If you are a military community member, USAA might work well for you. Its average cost is $37 per month in Massachusetts for non-owner insurance.
The average cost of the most affordable non-owner car insurance companies in Massachusetts is $56 per month, which is noticeably higher than the national average of $43 per month.
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Minimum coverage requirements for non-owner car insurance in Massachusetts are the same as those that apply to conventional minimum coverage auto insurance policies. They include the following:
- Bodily injury liability of $20,000 per person
- Bodily injury liability of $40,000 per accident
- Property damage liability of $5,000 per accident
- Uninsured/underinsured motorist coverage or $20,000 per person and $40,000 per accident
While Massachusetts sets these limits, they might not be high enough to cover damages in an at-fault accident, leaving you responsible for the remaining cost, which could be financially devastating. Determining how much coverage you need is essential before buying a car insurance policy.
Cheapest Non-Owner SR-22 Car Insurance in Massachusetts
If you have a severe traffic violation on your record, you may get the average cheapest non-owner SR-22 insurance in Massachusetts from the following:
If you’re a member of the military community, you may choose to go with USAA and pay an average of $54 per month.
As a driver with a violation on your record, you might need to file an SR-22 form, and a higher auto insurance premium is typical.
The most affordable SR-22 insurance companies in Massachusetts for drivers who don't own vehicles cost an average of $83 per month, which is considerably higher than the national average of $59 per month.
An SR-22 certificate is necessary for certain drivers as mandated by the state or court order. It is not an insurance type but a form that drivers need to file. Its purpose is to provide evidence that your auto insurance policy complies with Massachusetts’ minimum liability coverage requirements. If you are seeking SR-22 car insurance in Massachusetts, submitting this form is a requirement.
What Is Non-Owner Car Insurance?
Non-owner car insurance caters to people in Massachusetts who don’t own vehicles but still require liability coverage while driving. It offers coverage for bodily injuries and property damage in an at-fault accident. Getting this insurance might be advantageous if you borrow or rent vehicles frequently.
The following table showcases the disparities in coverage between non-owner and full coverage auto insurance.
Personal injury protection
Rental car liability
Average Cost of Non-Owner Car Insurance in Massachusetts
In Massachusetts, the average monthly expense for non-owner car insurance is $49, which is higher than the national average of $43 per month.
Insurance companies look at various factors to determine the cost of car insurance. For non-owner insurance in Massachusetts, your location, age and motor vehicle record will affect it. The coverage limits you choose also have a significant effect on the premium amount.
Non-Owner Car Insurance Cost Comparison: National vs. State
This is 14% more expensive.
Best Non-Owner Car Insurance in Massachusetts
The best companies for non-owner car insurance in Massachusetts are the following:
- State Farm: MoneyGeek score of 74 out of 100 ($26 per month)
- Progressive: MoneyGeek score of 43 out of 100 ($85 per month)
We ranked the top auto insurance providers based on affordability, AM Best financial stability ratings and J.D. Power customer satisfaction ratings. Take a look at what our top companies in Massachusetts have to offer and determine if either might work well for you.
State Farm provides the most affordable non-owner car insurance in Massachusetts for drivers with clean records, as well as those with an at-fault accident that need an SR-22. But, State Farm has a below-average claims handling score, although its overall customer satisfaction score is good. The company may provide a discount if you have a safe driving record.
Read our full State Farm review to learn more.
While getting non-owner auto insurance in Massachusetts from Progressive is not the most affordable, this company offers good customer service and better claims handling than State Farm. Discounts you may get with Progressive include safe driving, paperless and pay-in-full.
Read our Progressive review to see what you can expect.
Should You Get Non-Owner Car Insurance in Massachusetts?
If you frequently rent or borrow vehicles, want to prevent extended gaps in your insurance history or need to reinstate a suspended/revoked license, obtaining non-owner car insurance in Massachusetts might make sense.
Who Should Consider Non-Owner Car Insurance?
Drivers who frequently rely on borrowing cars from friends or family members may benefit from non-owner car insurance. It offers liability protection if you’re involved in an at-fault accident.
You may consider getting non-owner car insurance if you’re a frequent car renter because it provides coverage for bodily injury and property damage in at-fault accidents. It is a more cost-effective option for getting liability coverage than buying it from a rental car company. But, it won’t cover collision, so you do need to purchase that from the rental company.
Drivers between cars
When there is a gap in insurance coverage history, you may pay a higher-than-usual premium. Non-owner auto insurance might work as an affordable solution for drivers who have sold their vehicles or plan to stay away from the wheel for some time. It gives you the ability to avoid a high premium when you need regular coverage again.
License reinstatement seekers
If you want Massachusetts to reinstate your driver's license following a suspension/revocation, obtaining non-owner car insurance and filing an SR-22 form might be necessary. As proof of insurance, this form aids in restoring your driving privileges.
If you come by "one-day insurance,” be wary. This type of insurance is unlikely to be legitimate in Massachusetts and may well indicate a scam. You may get valid temporary car insurance in Massachusetts in different ways. If your need is a short span of time, we recommend looking at what rental car insurance companies have to offer.
Frequently Asked Questions About Non-Owner Car Insurance in Massachusetts
Checking answers to commonly asked questions about non-owner auto insurance in Massachusetts might place you in a better position when making a decision.
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