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

Non-owner car insurance might come in handy if you need auto insurance without owning a vehicle. This type of insurance provides auto liability coverage and might work well for you if you require uninterrupted insurance while in-between cars or often drive rented/borrowed cars. Non-owner auto insurance might also aid in reinstating a driver's license previously suspended or revoked because of a violation, such as DUI/DWI.

Of the companies MoneyGeek researched, State Farm emerged as the company that provides the cheapest non-owner auto insurance in Missouri when purchasing minimum coverage. Given that it offers a good mix of affordability and service, it also ranks as the best. State Farm also provides the most affordable non-owner car insurance in the state for individuals that must file an SR-22.

The average cheapest companies for non-owner car insurance in Missouri are the following:

• Drivers with clean records: State Farm ($39 per month)
• Drivers with an at-fault accident: State Farm ($43 per month)

The cost of non-owner auto insurance increases if you have a moving violation. In Missouri, the cost of the cheapest non-owner auto insurance — through State Farm — if you no longer have a clean driving record is $4 more per month.

Drivers with clean motor vehicle records may get the, on average, most affordable non-owner auto insurance in Missouri from the following:

• State Farm: $39 per month
• Travelers: $41 per month

Members of the military community may benefit by turning to USAA. It charges an average of $13 per month for non-owner car insurance in Missouri.

Drivers in Missouri pay an average of $40 per month for the cheapest non-owner car insurance, which is close to the national average of $43 per month.

These companies provide the average cheapest non-owner SR-22 insurance in Missouri:

• State Farm: $43 per month
• Travelers: $54 per month

If you’re a military community member with a severe violation, you may get the most affordable non-owner SR-22 insurance from USAA, at around $18 per month.

With a moving violation like a DWI in Missouri or an at-fault accident on your motor vehicle record, you might need to file an SR-22 form. This typically leads to higher auto insurance costs.

In Missouri, the average cost is $49 per month for the most affordable non-owner insurance with an SR-22, which is notably lower than the national average of $59 per month.

Insurance companies provide non-owner auto insurance to drivers who don’t own cars. It provides coverage for bodily injury to others and property damage — there is no coverage for the car you’re driving. You may consider getting non-owner auto insurance if you drive borrowed/rented cars, want continuity in your auto insurance when you are in-between cars or want to get your driver’s license reinstated.

The table below shows the difference in coverage between non-owner and full coverage auto insurance.

The average cost of non-owner car insurance in Missouri is $49 per month. That is around $6 more than the national average of $43 per month.

Auto insurance companies determine the cost of car insurance by considering various rating factors, such as where you live, your age and your motor vehicle record. If you choose higher liability coverage limits, you should expect to pay a higher premium.

The top three non-owner auto insurance providers in Missouri are the following:

• State Farm: MoneyGeek score of 63 out of 100 ($39 per month)
• Travelers: MoneyGeek score of 63 out of 100 ($41 per month)
• Nationwide: MoneyGeek score of 54 out of 100 ($59 per month)

Our experts have picked the best of the lot based on factors like pricing, J.D. Power customer satisfaction ratings and AM Best financial stability ratings. The brief overviews that follow highlight what you may expect from these companies.

You may consider getting non-owner car insurance if you rent or borrow cars often, want to avoid a lapse in auto insurance coverage or are reinstating your driver’s license. There may be other instances where it makes sense, too.

Going through answers to commonly asked questions about Missouri non-owner car insurance might give you a better understanding of which company to select.