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

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.

TABLE OF CONTENTS

1. Cheapest Non-Owner Car Insurance
2. Cheapest Non-Owner SR-22 Car Insurance
3. What is Non-Owner Car Insurance
4. Who Should Get Non-Owner Car Insurance

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?

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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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.

MONEYGEEK EXPERT TIP

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

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.

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

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.