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

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.

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.

As a driver with a clean record, you may get the average cheapest non-owner auto insurance in Massachusetts from the following:

• State Farm: $26 per month
• Progressive: $85 per month

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.

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:

• State Farm: $43 per month
• Progressive: $122 per month

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.

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.

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.

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.

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.

Checking answers to commonly asked questions about non-owner auto insurance in Massachusetts might place you in a better position when making a decision.