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

On average, non-owner car insurance in Massachusetts costs $535 per year. MoneyGeek’s research shows that State Farm is the cheapest company in the state for a non-owner policy, with an average cost of $340 per year. Find out how non-owner car insurance in Massachusetts works with our guide.

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Last Updated: 8/16/2022

Non-owner car insurance is a good option for you if you frequently use rental cars and car-sharing services or need insurance coverage to get your license reinstated.

With a clean driving record, a non-owner policy costs an average of $535 per year. If you have a DUI on your record, the cost can increase to an average of $949 per year.

MoneyGeek breaks down the costs of non-owner car insurance in Massachusetts and reveals who should and shouldn’t opt for a non-owner policy.

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Cheapest Non-Owner Car Insurance Companies in Massachusetts

Typically, a non-owner policy is cheaper than a standard auto policy. However, you can still save money by comparing rates from different insurers.

MoneyGeek found out that the following companies offer the cheapest average non-owner car insurance rates in Massachusetts:

  • State Farm: $340 per year
  • Metlife: $431 per year

Our data shows that the most expensive company in Massachusetts for a non-owner policy is Progressive, with an average cost of $680 per year.

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

Cheapest Non-Owner Car Insurance Companies in Massachusetts

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  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $340
    $28
  • MetLife
    $431
    $36
  • USAA
    $572
    $48
  • GEICO
    $650
    $54
  • Progressive
    $680
    $57
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How Much Is Non-Owner Car Insurance in Massachusetts?

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MoneyGeek’s analysis shows that the average cost of non-owner car insurance in Massachusetts is $535 per year. In comparison, a standard auto policy costs an average of $673 annually.

If you have a serious violation like a DUI on your record, you could pay more for coverage. In Massachusetts, a non-owner policy for drivers with a DUI has an average cost of $949 per year, while a standard auto policy for drivers with a DUI costs an average of $1,264 annually.

Cheapest DUI Non-Owner Car Insurance Companies in Massachusetts

In Massachusetts, a non-owner policy might be the most affordable option for you if you want insurance coverage without owning a car and have a history of serious driving violations like a DUI.

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

  • State Farm: $642 per year
  • Progressive: $774 per year

The most expensive non-owner policy in Massachusetts for drivers with a DUI is from GEICO, with an average rate of $1,118 per year.

Cheapest DUI Non-Owner Car Insurance Companies in Massachusetts

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  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $642
    $54
  • Progressive
    $774
    $65
  • MetLife
    $813
    $68
  • GEICO
    $1,118
    $93
  • USAA
    $1,398
    $117
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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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What Is Non-Owner Car Insurance in Massachusetts?

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

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

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $5,000 property damage liability per accident
  • $20,000 uninsured motorist coverage per person
  • $40,000 uninsured motorist coverage per accident
  • $8,000 personal injury protection

Who Should Get Non-Owner Car Insurance in Massachusetts?

You should consider purchasing non-owner car insurance in Massachusetts if:

  • You need insurance to get your license reinstated: In Massachusetts, your license can be suspended due to reckless driving or a DUI conviction. You don’t need to file an SR-22 to reinstate your license, but you need to have a policy that meets the state’s minimum coverage limits. In this scenario, the most affordable option for you could be a non-owner car insurance policy.
  • You frequently use rental cars or car-sharing services: If you are a frequent user of rental cars, rental car insurance can get expensive over time. It’s best to get a non-owner policy as it will be cheaper and provide coverage in case of a vehicular accident.
  • You temporarily don’t have a car but want to maintain insurance coverage to avoid a lapse: Drivers who temporarily do not own a car should opt for a non-owner policy to avoid a lapse in their insurance coverage. An insurance coverage lapse can significantly increase your car insurance expenses as insurers might consider you a high-risk individual and give you higher car insurance rates later on.

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

You do not need to buy a non-owner policy for a borrowed car that you have the authorization to drive. For example, if you live in Boston and borrow a friend’s car with their permission, you will have insurance coverage under their personal auto policy.

A non-owner policy is also not ideal for people who only use rental cars once or twice a year. In this case, rental car insurance would be less expensive and provide adequate coverage.

How to Get Non-Owner Car Insurance in Massachusetts

MoneyGeek confirmed that all the companies mentioned in this guide provide non-owner car insurance in Massachusetts. However, these insurers do not offer online quotes for non-owner policies. To get cheap non-owner car insurance in Massachusetts, it’s best to call the insurers using the contact information listed below.

Contact Non-Owner Car Insurance Companies in Massachusetts
  • Company
    Contact Number
  • State Farm
    800-782-8332
  • MetLife
    800-422-4272
  • USAA
    800-531-8722
  • GEICO
    800-207-7847
  • Progressive
    888-671-4405

Frequently Asked Questions About Massachusetts Non-Owner Car Insurance

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

Methodology

MoneyGeek collected non-owner car insurance quotes across Massachusetts 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 Massachusetts, with the exception of liability insurance, which has:

  • $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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