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

In New Jersey, non-owner car insurance will cost you an average of $867 per year. Several companies offer this type of car insurance, but the cheapest is GEICO, with premiums averaging $306 per year. If you’re interested in purchasing non-owner car insurance in New Jersey, it’s important that you understand your options and compare rates from multiple insurers.

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Last Updated: 8/16/2022

Non-owner car insurance is ideal for drivers who don’t own a car but often drive rental vehicles or use car-sharing services. It can also serve as proof of insurance when you need to get your license reinstated.

In New Jersey, non-owner car insurance costs about $867 for drivers with a clean record and roughly $1,013 for those with a severe driving violation, such as a DUI.

MoneyGeek reviewed non-owner car insurance quotes from insurers in New Jersey and pointed out when drivers should and should not purchase this type of coverage.

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Cheapest Non-Owner Car Insurance Companies in New Jersey

Non-owner car insurance in New Jersey is cheaper than regular car insurance, but you can still compare quotes from insurance companies to get the best price.

On average, MoneyGeek found the cheapest widely available non-owner car insurance companies in New Jersey are, on average:

  • GEICO: $306 per year
  • Travelers: $463 per year

For this guide, MoneyGeek used the profile of a 40-year-old male driver with non-owner car insurance in New Jersey. Policy limits are detailed in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in New Jersey

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $306
    $26
  • Travelers
    $463
    $39
  • Progressive
    $831
    $69
  • State Farm
    $1,870
    $156
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How Much Is Non-Owner Car Insurance in New Jersey?

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The average cost of non-owner car insurance across all insurers in New Jersey is $867 per year, while the average annual cost of regular car insurance is $1,191.

However, with a serious traffic violation like a DUI, the cost difference between non-owner car insurance and regular car insurance can increase significantly. Non-owner car insurance with a DUI costs around $1,013 yearly, $178 more than a standard policy for a driver with a clean record.

Cheapest DUI Non-Owner Car Insurance Companies in New Jersey

If you have prior driving violations, such as a DUI, and you do not own a vehicle, non-owner car insurance may be your most affordable option.

On average, MoneyGeek found that the cheapest widely available insurers for a driver with a DUI are:

  • GEICO: $557 per year
  • Travelers: $686 per year

The most expensive non-owner car insurance provider for drivers with a DUI in New Jersey is State Farm, with an average annual premium of $1,870.

Cheapest DUI Non-Owner Car Insurance Companies in New Jersey

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $557
    $46
  • Travelers
    $686
    $57
  • Progressive
    $941
    $78
  • State Farm
    $1,870
    $156
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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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What Is Non-Owner Car Insurance in New Jersey?

Non-owner car insurance, also known as non-owner liability insurance, is the best option if you require insurance and don’t own a car or need to have your license reinstated.

The policy covers liability insurance and meets the state’s minimum insurance policy requirements. You may purchase uninsured/underinsured motorist coverage as an add-on to this type of policy. However, non-owner car insurance doesn’t include full coverage, also known as comprehensive and collision insurance.

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Non-owner car insurance policies in New Jersey must meet the state’s minimum car insurance requirements, which include:

  • $5,000 property damage liability per accident
  • $15,000 personal injury protection

Who Should Get Non-Owner Car Insurance in New Jersey?

Purchasing non-owner car insurance works best if you fit one of the following driver profiles:

  • You need to have your license reinstated: After a significant traffic offense like a DUI, your license might get suspended. You may be asked to show proof of insurance to the court to get your license reinstated. Since non-owner car insurance is cheaper than regular car insurance, it’s your most affordable option to meet this requirement.
  • You often use rental cars or car-sharing services: When you rent a car, your rental company might offer you rental car insurance. It’s wiser to choose non-owner car insurance instead if you drive rental cars frequently because it’s cheaper in the long run.
  • You want to avoid an insurance lapse: If you have an insurance lapse, insurers may mark you as a high-risk driver and raise your insurance rates in the future. Even if you no longer own a car, it’s wise to still buy insurance. Get non-owner car insurance to keep your premiums affordable and avoid a lapse.

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

Not all instances of driving a car that you don’t own require non-owner car insurance. For example, if you live in Newark and borrow your friend’s car, you’re covered under their policy as long as they gave you permission to drive their vehicle. Non-owner car insurance then becomes redundant.

You don’t also need non-owner car insurance if you rarely use rental cars. For example, if you plan on taking an annual out-of-state vacation using a rental vehicle, rental car insurance provided by your rental company will sufficiently cover you.

How to Get Non-Owner Car Insurance in New Jersey

All companies listed on this page provide non-owner car insurance, but most don’t give insurance quotes online. The easiest way to get a non-owner insurance policy in New Jersey is to call the insurance company and request a quote using the numbers provided below.

Contact Non-Owner Car Insurance Companies in New Jersey
  • Company
    Contact Number
  • GEICO
    800-207-7847
  • Travelers
    866-248-9970
  • Progressive
    888-671-4405
  • State Farm
    800-782-8332

Frequently Asked Questions About New Jersey Non-Owner Car Insurance

It may be easy to confuse non-owner car insurance with regular car insurance. Understanding the answers to some frequently asked questions can help you make an educated decision regarding non-owner car insurance in New Jersey.

Methodology

MoneyGeek worked with Quadrant Information Services to collect non-owner car insurance quotes across New Jersey. The policies were collected using 40-year-old sample drivers with either a safe driving record or a DUI. The policies met New Jersey’s minimum car insurance requirements, except liability coverage, which had 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 standard car insurance policies collected also had the same limits.