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

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ByMark Fitzpatrick
Edited byKathryn Schroeder
ByMark Fitzpatrick
Edited byKathryn Schroeder

Updated: May 20, 2024

Advertising & Editorial Disclosure

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.

Why Trust MoneyGeek? MoneyGeek sourced Michigan data from Quadrant Information Services and examined customer satisfaction ratings from J.D. Power and complaints from the National Association of Insurance Commissioners (NAIC).

240Plans Analyzed
6Providers Compared

Cheapest 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.

Cheapest Non-Owner Car Insurance With a Clean Driving Record in Michigan

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

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.

TravelersCheapest Annual Premium$177Cheapest Monthly Premium$15
Auto-Owners Insurance CoCheapest Annual Premium$912Cheapest Monthly Premium$76
GEICOCheapest Annual Premium$1,126Cheapest Monthly Premium$94
ProgressiveCheapest Annual Premium$1,271Cheapest Monthly Premium$106
FarmersCheapest Annual Premium$4,239Cheapest Monthly Premium$353
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The minimum car insurance requirements in Michigan will apply to non-owner car insurance. Your auto policy must at least have the following limits:

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $10,000 property damage liability per accident (outside of Michigan)
  • $1 million property protection (for damage in Michigan)

Because of the low limits of minimum coverage, you may want to purchase higher liability limits for your non-owner policy. Determine how much coverage you need before purchasing a policy.

Cheapest Non-Owner SR-22 Car Insurance in Michigan

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

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.

TravelersCheapest Annual Premium$438Cheapest Monthly Premium$37
Auto-Owners Insurance CoCheapest Annual Premium$1,053Cheapest Monthly Premium$88
ProgressiveCheapest Annual Premium$1,727Cheapest Monthly Premium$144
GEICOCheapest Annual Premium$2,736Cheapest Monthly Premium$228
FarmersCheapest Annual Premium$5,645Cheapest Monthly Premium$470
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SR-22 is not a type of insurance but rather a form filed by your insurer to verify that your insurance coverage meets the minimum criteria as mandated in Michigan. The SR-22 form in Michigan serves as proof of financial responsibility, and drivers with certain violations, such as OWI or driving without insurance or multiple traffic offenses, may have to file it.

What Is Non-Owner Car Insurance?

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.

Policy Coverage
Full Coverage

Liability insurance

Medical payments

Personal injury protection

Uninsured/underinsured motorist

Rental car liability

Average Cost of Non-Owner Car Insurance in Michigan

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.

Non-Owner Car Insurance Cost Comparison: National vs. State

National Average Cost

Monthly Premium

Michigan Average Cost

Monthly Premium

On average, non-owner car insurance in Michigan is:$69 more

This is 160% more expensive.

Best Non-Owner Car Insurance in Michigan

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.

MoneyGeek Top Pick

Auto-Owners is the best insurance company for non-owner car insurance in Michigan. It offers the second-cheapest policy for minimum liability limits, scores well for customer satisfaction and has an average amount of complaints. Discounts you may get include safe driving and paperless billing. You can use the company’s mobile app to manage your policy.

Read the Auto-Owners car insurance review to learn more.


Travelers is the cheapest for non-owner car insurance in Michigan, but has more complaints than average, and its overall customer satisfaction score is just below average. You may get a discount on your policy with Travelers if you are a safe driver.

Read the Travelers car insurance review to see what the company offers.

Third Place

GEICO is another good option for non-owner car insurance in Michigan, as the company scored well for customer satisfaction and affordability. Active-duty military and veterans, federal employees and other professionals may get a discount with GEICO.

Read GEICO’s car insurance review to see the company’s highlights.

Should You Get 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.

Who Should Consider Non-Owner Car Insurance?

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    Car borrowers

    A non-owner policy will suit you if you borrow a car from others frequently since it covers bodily injury and property damage liability costs if you cause an accident.

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    Frequent renters

    Those who drive rental cars often should purchase a non-owner policy as it generally costs less than buying liability coverage through the rental car company. But, non-owner car insurance does not include collision coverage for the rental, so you should buy that from the company.

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    Drivers between cars

    Insurance companies may charge you a higher rate when you purchase a standard auto policy if you have a lapse in coverage because of recently selling your vehicle. Consider buying a non-owner policy to avoid having a lapse in coverage.

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    License reinstatement seekers

    You can purchase a non-owner policy if the state authorities require you to file an SR-22 form to reinstate your driving privileges.

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You should stay away from companies offering “one-day insurance,” as it’s most likely a scam and not an actual insurance product available in Michigan. Consider buying rental car insurance if you need short-term coverage for a road trip or a move.

Frequently Asked Questions About Non-Owner Car Insurance in Michigan

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.

Which company offers the cheapest non-owner car insurance in Michigan?
Which companies offer non-owner car insurance with the best mix of quality and affordability in Michigan?
How much does non-owner car insurance cost in Michigan?

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.