State Farm offers the cheapest non-owner car insurance for those with clean records in Missouri at $39 monthly. This rate is below the state average of $49. Explore other affordable options in the table below.
Cheapest Non-Owner Car Insurance in Missouri
Missouri's most affordable non-owner car insurance is from State Farm at $39 monthly or $465 yearly.
Find out if you're paying too much for auto insurance below.

Updated: January 31, 2025
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Best Cheap Non-Owner Car Insurance in Missouri: Key Takeaways
State Farm offers Missouri's cheapest non-owner SR-22 car insurance, with an average monthly cost of $43.
Non-owner insurance covers you when driving a vehicle you don't own, as long as you meet Missouri's minimum coverage requirements.
Non-owner insurance is recommended for those who often borrow or rent cars or need to reinstate their license without a traditional policy.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Cheapest Non-Owner Car Insurance in Missouri
State Farm | $465 | $39 |
Travelers | $497 | $41 |
GEICO | $676 | $56 |
Nationwide | $705 | $59 |
Progressive | $749 | $62 |
Kemper | $826 | $69 |
Cheapest Non-Owner SR-22 Car Insurance in Missouri
State Farm provides Missouri's most affordable SR-22 non-owner policy at just $43 monthly, lower than the state average of $74 for minimum coverage. Use the table below to compare other cost-effective choices.
State Farm | $518 | $43 |
Travelers | $642 | $54 |
Nationwide | $883 | $74 |
GEICO | $918 | $76 |
Kemper | $1,151 | $96 |
Progressive | $1,186 | $99 |
How Much Is Non-Owner Car Insurance in Missouri?
Missouri's average monthly non-owner car insurance cost is $49, higher than the national average of $43. For SR-22 forms, residents pay an average of $74, compared to $48 nationally. Your rate may vary based on your driving history.
Non-Owner Car Insurance Cost Comparison: National vs. State
Monthly Premium
$43Monthly Premium
$49This is 14% more expensive.
Missouri Non-Owner Car Insurance: Buyer's Guide
Our guide helps drivers determine if a non-owner insurance policy is right for them. It explains the basics, compares it to standard policies, outlines typical costs and highlights who benefits most.
What Is Non-Owner Car Insurance?
Non-owner car insurance is for people who drive often but don't own a car. It provides coverage if you're driving a borrowed or rented vehicle and cause damage in an accident. This option often costs less than regular insurance. See how it compares to standard policies below.
Policy Coverage | Standard Policy | Non-Owner |
---|---|---|
✔ | ✔ | |
Medical payments | ✔ | ✔ |
Personal injury protection | ✔ | ✔ |
Uninsured/underinsured motorist | ✔ | ✔ |
✔ | ✔ | |
Collision | ✔ | |
Comprehensive | ✔ |
Does Missouri Allow Non-Owner Car Insurance?
Missouri residents can get non-owner car insurance if they don't own a car but need coverage. When you need to file an SR-22, you have options for affordable plans that meet state minimum requirements.
Missouri's minimum coverage requirements apply to non-owner car insurance as well. The limits are:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
These state minimums may not be enough for your needs. Consider how much coverage you need before purchasing a policy to ensure adequate financial protection.
Should You Get Non-Owner Car Insurance in Missouri?
Non-owner car insurance is a great option for drivers who don’t own a car but need coverage. It’s affordable, meets state minimum coverage requirements and protects you financially when driving a borrowed or rented vehicle.
Be cautious of providers offering "one-day insurance" in Missouri, as it's likely a scam. For short-term coverage, purchasing insurance directly from a car rental company is safer, especially if renting a vehicle for a move or road trip.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
Non-owner insurance covers damage or injuries caused by car borrowers while driving, protecting both the borrower and the vehicle owner.
Occasional renters
Non-owner car insurance provides affordable coverage for multiple rental occasions, eliminating the need to buy rental company insurance each time, which can be pricier.
Drivers between cars
Drivers without a car who plan to own one later can maintain continuous coverage with a non-owner policy. This helps prevent higher premiums from coverage gaps when buying a new policy.
License reinstatement-seekers
Drivers seeking to reinstate their license after a suspension need proof of insurance. A non-owner policy can fulfill this requirement even if the driver doesn't own a car.
An SR-22 or Certificate of Financial Responsibility (CFR) is a document your insurance company sends to the DMV to show you meet your state's car insurance requirements. You might need it after incidents like a DUI or driving without insurance to drive legally again.
Cheap Non-Owner Car Insurance in Missouri: Bottom Line
Missouri drivers can find non-owner car insurance, even with SR-22 needs. State Farm has the most affordable plan, followed by Travelers and GEICO. To get the best deal, compare quotes from multiple providers.
Non-Owner Car Insurance in Missouri: FAQ
Find answers to common questions about non-owner car insurance in Missouri.
Which company offers the cheapest non-owner car insurance in Missouri?
State Farm offers Missouri's most affordable non-owner car insurance at $39 monthly and SR-22 rate at $43.
How much does non-owners car insurance cost in Missouri?
Non-owner car insurance in Missouri costs about $582 annually or $49 monthly. Those needing an SR-22 due to poor driving record pay around $882 annually or $74 monthly.
Missouri Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Missouri auto insurance rates by collecting data from the Missouri Department of Commerce and Insurance and Quadrant Information Services. We examined 240 car insurance quotes from five providers to identify the state's best and most affordable options.
Coverage Levels
We compared non-owner car insurance rates from companies in Missouri using minimum coverage policies. The state-required minimum coverage includes:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
Drivers and Cars in Missouri
To find the best and most affordable companies for non-owner car insurance in Missouri, we used a sample driver profile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit history
- 12,000 miles driven annually
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.