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

The average annual cost of non-owner car insurance in Missouri is $364. However, actual rates may vary depending on the insurer. State Farm is the cheapest widely available non-owner car insurance provider in the state, costing $300 per year on average.

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Last Updated: 8/16/2022

The purpose of purchasing non-owner car insurance is to protect you from property damage and injury costs should you get involved in an accident while using a shared or rented vehicle. If your driver’s license gets suspended in the process, you can use non-owner car insurance to get it back.

If you have a clean driving record in Missouri, you will pay an average of $364 per year for a non-owner car insurance policy. With serious driving violations, such as a DUI, you will pay $120 more on average per year. Not only does MoneyGeek rank the best non-owner car insurance providers in Missouri, but we also explain when you need non-owner car insurance coverage.

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Cheapest Non-Owner Car Insurance Companies in Missouri

The cost of non-owner car insurance is often cheaper than traditional car insurance policies. When you shop around and compare quotes between insurers, you can save money on your premiums.

As per MoneyGeek’s study, the insurers with the most affordable widely available non-owner car insurance in Missouri are:

  • State Farm: $300 per year
  • Progressive: $392 per year

The most expensive non-owner car insurance provider in the state is Farmers, which has an average annual cost of $579.

Current and former military members may consider getting their non-owner car insurance coverage from USAA since it has the state’s lowest average rate at $135 per year.

The costs used in this analysis are for a 40-year-old driver with a non-owner car insurance policy. You can find the policy limits and other details in our methodology.

Cheapest Non-Owner Car Insurance Companies in Missouri

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $135
    $11
  • State Farm
    $300
    $25
  • Progressive
    $392
    $33
  • GEICO
    $416
    $35
  • Farmers
    $579
    $48
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How Much Is Non-Owner Car Insurance in Missouri?

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Drivers in Missouri pay an average of $364 per year for non-owner car insurance. This is $342 cheaper than the $706 annual average premium that drivers with a clean record pay for traditional car insurance.

If your driving record has a serious traffic violation, you pay more for non-owner car insurance. Having a serious traffic violation, such as a DUI, can increase your non-owner car insurance premium significantly. In Missouri, you will pay an average of $484 per year for non-owner car insurance if you have a DUI, which is still less than what traditional car insurance coverage costs.

Cheapest SR-22 Non-Owner Car Insurance Companies in Missouri

In Missouri, drivers with suspended licenses due to a serious traffic violation, such as a DUI, need to file an SR-22 in Missouri through their insurers. To get your license back, you will need to provide proof of insurance in the form of an SR-22.

If you frequently drive a shared or rented car, you should purchase non-owner SR-22 insurance, which is the most affordable option.

In Missouri, the following companies provide the cheapest widely available non-owner car insurance for drivers with DUIs.

  • State Farm: $300 per year
  • Progressive: $457 per year

USAA offers the most affordable non-owner car insurance for former and current military members who have a DUI on their record. The average annual cost for the policy is $210.

The most expensive provider of SR-22 non-owner car insurance in Missouri for drivers with a DUI is Farmers, which charges $789 on average per year.

Cheapest SR-22 Non-Owner Car Insurance Companies in Missouri

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $210
    $18
  • State Farm
    $300
    $25
  • Progressive
    $457
    $38
  • GEICO
    $664
    $55
  • Farmers
    $789
    $66
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What Is Non-Owner Car Insurance in Missouri?

Non-owner car insurance provides a cheap coverage option for Missouri drivers who do not own a car.

Non-owner car insurance has the state’s minimum coverage limits for liability insurance and includes additional basic coverage requirements recommended by the state. However, it does not have full coverage, also known as comprehensive and collision coverage.

Non-owner liability car insurance in Missouri also includes uninsured motorist coverage, which provides added protection for drivers who do not have traditional car insurance.

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If you are looking for non-owner car insurance in Missouri, you must ensure that it meets the state’s minimum car insurance requirements, which include:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured motorist bodily injury coverage per person
  • $50,000 uninsured motorist bodily injury coverage per accident

Who Should Get Non-Owner Car Insurance in Missouri?

In Missouri, purchasing non-owner car insurance is necessary if:

  • Proof of insurance is required before your suspended license gets reinstated: When caught with a severe traffic violation, such as a DUI, your license may get suspended. To get it back, you need to provide proof of insurance. You can use your non-owner car insurance as proof instead of traditional car insurance, which could be quite costly.
  • If you use a rented or shared car regularly: If you have non-owner car insurance in Missouri, you can use it to cover the costs of third-party injuries and property damage if you get involved in an accident while driving a rented car.
  • If your car is temporarily unavailable and you need to avoid a lapse in your traditional insurance coverage: In case your car is temporarily unavailable, you can get cheap non-owner car insurance in Missouri to ensure you do not have a lapse in your coverage.

Who Shouldn’t Get Non-Owner Car Insurance in Missouri?

While using a rented or shared car, understand that non-owner car insurance isn’t necessary under all circumstances. For instance, if you live in Kansas City and borrow a friend’s car, their personal car insurance covers you if you get involved in an accident.

Non-owner car insurance is also not necessary if you do not rent cars often. For instance, if you only rent a car once or twice a year while taking a vacation outside Missouri, you will only need rental car insurance instead of non-owner car insurance.

How to Get Non-Owner Car Insurance in Missouri

MoneyGeek’s analysis only listed the insurers that provide non-owner car insurance policies within the state.

To get non-owner insurance in Missouri, you could call any of these providers directly using the phone numbers listed on this page since insurers do not publish non-owner car insurance quotes online.

Contact Non-Owner Car Insurance Companies in Missouri
  • Company
    Contact Number
  • USAA
    800-531-8722
  • State Farm
    800-782-8332
  • Progressive
    888-671-4405
  • GEICO
    800-207-7847
  • Farmers
    888-327-6335

Frequently Asked Questions About Missouri Non-Owner Car Insurance

While purchasing non-owner car insurance, you need to understand how it differs from traditional car insurance. Knowing the answers to some frequently asked questions about non-owner car insurance in Missouri can help you find the right policy for your needs.

Methodology

MoneyGeek partnered with Quadrant Information Services to collect the non-owner car insurance rates used in this study.

The rates are for a sample 40-year-old driver with either a good driving record or a DUI.

The policies used in this study meet the minimum car insurance requirements in Missouri, excluding liability insurance coverage, which has the following limits:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

The data used for traditional car insurance costs also had similar limits.