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

Non-owner car insurance in Michigan is ideal for those who do not own a car but frequently drive and want liability protection in case of an at-fault accident. This policy will cover bodily injury to other drivers and their passengers and property damage. Drivers with severe violations like an OWI may also reinstate their license after getting a non-owner policy.

Travelers offers the cheapest non-owner auto insurance in Michigan, and it is also the most affordable for non-owner SR-22 insurance. Auto-Owners provides the best non-owner car insurance in Michigan.

MoneyGeek found the following companies in Michigan for the average cheapest non-owner car insurance:

• Drivers with clean records: Travelers ($15 per month)
• Drivers with an at-fault accident: Travelers ($37 per month)

A driving violation on your record can increase your non-owner premium. We found that the cheapest insurer in Michigan, Travelers, has a rate difference for a driver with a clean record and one with a driving violation of $22 per month.

Our analysis shows that the two cheapest companies, on average, in Michigan for drivers with clean records that get non-owner insurance are:

• Travelers: $15 per month
• Auto-Owners: $76 per month

A great option for active-duty military members and veterans is USAA, the second cheapest company, with an average cost of $27 monthly.

The average rate of the cheapest companies for non-owner car insurance in Michigan is $46, more than the national average of $43 per month.

The following companies are the average lowest-priced options for SR-22 non-owner car insurance in Michigan:

• Travelers: $37 per month
• Auto-Owners: $88 per month

USAA may suit you best if you are a member of the military community, as it’s the second-cheapest in Michigan, costing around $39 per month.

Driving violations like an at-fault accident might significantly increase your rate and require you to file an SR-22 form with the state.

The average monthly cost of the cheapest non-owner SR-22 insurance companies in Michigan is $63, which is slightly more than the national average of $59.

Non-owner car insurance covers the costs of bodily injury to third parties and property damage in an at-fault accident when you’re driving a car that you don’t own. This policy does not cover damage to the car you are driving.

See the table below to understand how a full coverage policy and a non-owner policy differ in coverage.

The average cost of non-owner car insurance in Michigan is $112 per month, which is higher than the national average of $43. Rating factors that may significantly affect your policy cost include age and motor vehicle record.

MoneyGeek found that the following insurers offer the best non-owner car insurance in Michigan:

• Auto-Owners: MoneyGeek score of 74 out of 100 ($76 per month)
• Travelers: MoneyGeek score of 73 out of 100 ($15 per month)
• GEICO: MoneyGeek score of 68 out of 100 ($94 per month)

We ranked these companies based on factors like J.D. Power’s customer satisfaction ratings, affordability and AM Best financial stability ratings.

MoneyGeek provides a brief overview below to help you better understand the best companies for non-owner car insurance in Michigan.

Non-owner car insurance in Michigan may benefit you significantly depending on how often you drive. For instance, you should get a non-owner policy if you don’t own a car but frequently rent cars or borrow from others. You might also need this policy to get your license reinstated.

MoneyGeek answered the following frequently asked questions to help you understand the cost of a policy and the best and cheapest companies for non-owner car insurance in Michigan.