Non-Owner Car Insurance in Mississippi

Mississippi has six insurers that offer non-owner car insurance, with Farm Bureau charging the lowest rate at $49 monthly. That's $25 less than the most expensive option, making it worthwhile to shop around for the cheapest non-owner policy. You'll need to call insurers directly since most don't offer online quoting tools for non-owner coverage. Not all major carriers provide this type of insurance, so your options are more limited than with standard auto policies.

Non-owner insurance ranks among the more affordable types of car insurance since it only includes liability coverage for property damage or injuries you cause to others. This meets Mississippi's minimum requirements but costs less than traditional policies that offer higher liability limits plus comprehensive and collision protection for your own vehicle.

Across six providers in Mississippi, non-owner car insurance rates average $64 per month, slightly below the state's overall average of $66 monthly or $793 annually. This shows there's real value in comparing quotes, since actual costs vary based on market data and your individual circumstances.

Several factors affect non-owner car insurance rates in Mississippi, though your personal characteristics and choices matter more than state laws.

• Choice of insurer: Rates vary between companies. Farm Bureau offers the most affordable option at $49 monthly, while Safe Auto Insurance charges $74 for similar coverage. That's a $25 difference worth shopping around for.
• Driver age and experience: Seniors get the best deal in Mississippi at $51 per month, while adults pay $67 monthly and young drivers fall in between at $59. Age affects all insurance types, including non-owner policies.
• Driving history: Your record directly impacts what you'll pay. Drivers with a DUI face $91 monthly premiums, while those with an accident pay $84 per month. Clean records keep costs much lower.
• Coverage limits: Boosting your liability limits from state minimums increases your monthly cost from $66 to $87. Higher limits provide better protection but cost $21 more each month.

If you frequently borrow cars from friends or rent vehicles but don't own one yourself, non-owner car insurance might be what you need in Mississippi. This type of policy works well for people who need to file an SR-22 or want to maintain continuous coverage between owned vehicles. The coverage meets Mississippi's minimum liability requirements of $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage.

The policy doesn't cover damage to the car you're driving, but it does protect you from liability for injuries and property damage you cause to others. Whether you're borrowing someone's vehicle or driving a rental car, your non-owner insurance provides liability coverage for accidents you cause. This means you're protected financially if you're at fault in an accident while driving a car you don't own.

Non-owner car insurance is a legitimate product in Mississippi. The state recognizes it as valid liability coverage that meets financial responsibility requirements and works for drivers who need SR-22 filings. You might have trouble finding it since these policies are less common than regular auto insurance, but it's completely legal to purchase and use.

You'll need to call insurance companies directly or work with an agent to get non-owner coverage. Companies don't provide online quotes for these specialized policies, so you won't see this option on their websites. MoneyGeek found average rates and phone numbers for insurers who offer policies in Mississippi.

Non-owner insurance helps drivers who don't own vehicles but frequently rent or borrow cars, need continuous coverage, or must meet license reinstatement requirements.

• Regular car rentals: Rental companies charge $15 to $30 daily for liability coverage. A non-owner policy provides consistent protection across all rentals while saving money for frequent renters who would otherwise pay these daily fees repeatedly.
• Frequent vehicle borrowing: When you regularly drive friends' or family members' cars, their insurance covers accidents you cause, but their rates go up. Your non-owner policy pays claims first, protecting the car owner from premium increases.
• License reinstatement: Mississippi requires proof of insurance to reinstate suspended licenses. A non-owner policy meets this state requirement even when you don't own a vehicle, helping you get back on the road legally.
• Maintaining continuous coverage: Coverage gaps increase future insurance rates. If you're between cars or planning to buy one later, a non-owner policy keeps your insurance history clean and prevents rate penalties.

A non-owner policy isn't appropriate for those who:

• Own a vehicle (standard auto insurance is required instead)
• Drive infrequently (occasional trips don't justify the monthly cost)
• Have access to household vehicle insurance (get added to that existing policy)
• Need coverage for just one trip (rental company insurance works better for single-use situations)

Here are answers to common questions about non-owner insurance in Mississippi:

MoneyGeek gathered Mississippi auto insurance rates from the Mississippi Insurance Department and Quadrant Information Services. We analyzed 240 car insurance quotes from six providers and found the state's most affordable and best options.

Coverage Levels

We evaluated non-owner car insurance rates from companies in Mississippi at minimum coverage levels. Mississippi's minimum coverage consists of:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $25,000 for property damage liability per accident

Drivers and Cars in Mississippi

We used a standardized driver profile having these characteristics to determine the most affordable and best companies for non-owner car insurance in the state:

• 40-year-old male
• Clean driving record
• Good credit history

Learn more about MoneyGeek's car insurance methodology.