Non-Owner Car Insurance in Missouri

Auto-Owners charges just $48 monthly for the cheapest non-owner policy available. That's $14 less than the priciest option, making it worth shopping around among the five insurers that offer this coverage in the state. 

You'll need to call insurers directly for quotes since most don't provide online tools for non-owner policies, and not all major carriers offer this type of coverage.

Non-owner insurance ranks among the more affordable types of car insurance since it's liability-only coverage that meets Missouri's minimum requirements for property damage and injuries you cause to others. 

Traditional policies cost more because they include comprehensive and collision coverage for your own vehicle plus higher liability limits. This makes non-owner insurance ideal when you don't own a car but need to meet the state's legal requirements.

Across five providers in Missouri, non-owner car insurance averages just $52 monthly, well below the state average of $1,156 annually or $96 per month. This significant difference shows how much Missouri drivers can potentially save when they compare quotes, since actual rates vary considerably based on market data.

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

• Driver age and experience: Adults pay the highest premiums at $86 monthly, while seniors pay just $48, and young drivers pay $49. Age impacts all insurance types, including non-owner policies.
• Driving history: Your record affects costs. Drivers with accidents or DUIs both pay around $60 per month, while those with clean records enjoy the lowest rates available.
• Coverage limits: Moving beyond Missouri's minimum requirements increases your monthly cost from $96 to $110 when you choose full coverage with higher liability limits.
• Choice of insurer: Rates vary considerably between companies. Auto-Owners offers the most affordable option at $48 monthly, while Shelter Insurance charges $62 for similar coverage. It's worth comparing quotes from multiple insurers.

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 Missouri. This type of policy also works for drivers who must file an SR-22 to reinstate their license after violations. The coverage meets Missouri's minimum liability requirements of $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage.

How your coverage works depends on your driving situation. When you borrow someone's car, the non-owner policy provides liability coverage for injuries and property damage you cause to others. But it won't cover damage to the vehicle you're driving. When renting a car, your non-owner insurance may not apply at all, which is why rental companies often recommend their own coverage options.

Non-owner policies can fulfill SR-22 requirements for high-risk drivers in Missouri, and the state recognizes this coverage as completely valid. Missouri allows non-owner car insurance that meets financial responsibility requirements for drivers without vehicles. You'll find these policies harder to locate since they're less common than standard auto insurance, but they're legitimate coverage options.

Getting non-owner insurance requires calling insurers directly or working with an agent since online quotes aren't available for these specialized policies. You won't see non-owner coverage as an option on insurance websites due to its unique nature. MoneyGeek found average rates and phone numbers for insurers who offer policies in Missouri.

Non-owner insurance helps drivers who don't own vehicles but frequently borrow or rent cars. It's also useful for maintaining continuous coverage or meeting Missouri's license reinstatement requirements.

• Regular car rentals: Rental companies charge $15 to $30 daily for liability coverage, making a non-owner policy cost-effective for frequent renters. Your policy provides consistent protection across all rentals without paying daily fees.
• Frequent vehicle borrowing: When you regularly drive friends' or family members' cars, non-owner insurance protects their premiums. Their policy covers accidents you cause, but their rates increase. Your non-owner coverage pays claims first, keeping their rates stable.
• License reinstatement: Missouri requires proof of insurance to reinstate suspended licenses. A non-owner policy meets this 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 plan to buy a car later, a non-owner policy prevents lapses that lead to higher premiums when you do purchase standard coverage.

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

• Own a vehicle (standard auto policies are required)
• Drive infrequently (occasional borrowing doesn't justify costs)
• Have access to household vehicle insurance (getting added to that policy is better)
• Need coverage for just one trip (rental company insurance works better)

Missouri drivers often ask these questions about non-owner car insurance:

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

Coverage Levels

We evaluated non-owner car insurance rates from companies in Missouri at minimum coverage levels. Missouri's minimum coverage requires:

• $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 Missouri

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

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

Learn more about MoneyGeek's car insurance methodology.