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In New Jersey, non-owner car insurance provides liability coverage for individuals who don't own a car but still drive frequently. It’s beneficial if you regularly borrow someone else's car, rent cars or are a professional driver. Non-owner car insurance can also be helpful for drivers with violations like DUIs who need to reinstate a suspended or revoked driver's license.

Our analysis shows that GEICO is the most affordable non-owner car insurance provider in New Jersey for both safe drivers and those with violations. Additionally, Travelers stands out as the best company thanks to its balance of low prices and quality service.

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Cheapest Non-Owner Car Insurance in New Jersey

For New Jersey drivers seeking non-owner car insurance, the following insurers provide the most affordable policies:

  • Drivers with clean records: GEICO ($36 per month)
  • Drivers with violations: GEICO ($50 per month)

Keep in mind that having a driving offense on your record will result in higher insurance costs. In New Jersey, the cheapest option for non-owner car insurance for drivers with violations is $16 more per month than the cheapest rate for those with a clean driving history.

Cheapest Non-Owner Car Insurance With a Clean Driving Record in New Jersey

If you have a clean driving history in New Jersey, you can secure the cheapest non-owner auto insurance from the following providers:

The cheapest average rate for non-owner car insurance in New Jersey is $36 per month, which is slightly lower than the national average of $43 per month.

Cheapest Annual Premium
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State Farm






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The minimum coverage requirements for car insurance in New Jersey also apply to non-owner car insurance. They are as follows:

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

While these limits satisfy the legal minimum, they may not provide sufficient coverage for everyone. That’s why it’s crucial to assess your coverage needs before deciding on a policy.

Cheapest Non-Owner SR-22 Car Insurance in New Jersey

For New Jersey drivers with violations looking for low-cost SR-22 coverage, the following insurers offer the most affordable options:

Having a driving offense such as a DUI or an at-fault accident on your record may require you to file an SR-22, which can lead to higher insurance costs. The least expensive non-owner SR-22 insurance in New Jersey is $50 per month, which is $9 lower than the national average.

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SR-22 is not a type of insurance — it’s a form filed by an insurer to confirm that a driver has the minimum insurance coverage required by their state. In most states, it's needed following severe violations like DUIs.

New Jersey is one of the few states that doesn't require an SR-22, but committing a violation will still lead to higher premiums for insurance as a high-risk driver.

What Is Non-Owner Car Insurance?

Non-owner car insurance provides liability-only coverage for drivers who don't own a car. It offers financial protection against third-party bodily injuries and property damage but doesn't include coverage for personal injuries or damages to the vehicle you're driving.

This type of insurance is beneficial for those who frequently use rental or borrowed cars or those who want to avoid increased premiums due to a lapse in coverage. To understand the coverage variations between non-owner and standard policies, refer to the comparison table below.

Policy Coverage
Full Coverage

Liability insurance

Medical payments

Personal injury protection

Uninsured/underinsured motorist

Rental car liability



Average Cost of Non-Owner Car Insurance in New Jersey

The average cost of non-owner car insurance in New Jersey is $86 per month, which is considerably higher than the national average cost of car insurance for non-owner drivers, which is $43 per month.

Although location plays a role in determining insurance rates, factors such as age, driving record, coverage limits and the type of vehicle you drive can have a more significant impact on your premiums.

Non-Owner Car Insurance Cost Comparison: National vs. State

National Average Cost

Monthly Premium

New Jersey Average Cost

Monthly Premium

On average, non-owner car insurance in New Jersey is:$43 more

This is 100% more expensive.

Best Non-Owner Car Insurance in New Jersey

In New Jersey, the top non-owner car insurance providers are:

  • Travelers: MoneyGeek score 77 out of 100 ($59 per month)
  • GEICO: MoneyGeek score 74 out of 100 ($36 per month)
  • Progressive: MoneyGeek score 65 out of 100 ($68 per month)

MoneyGeek's rankings took into account an insurer’s affordability, customer satisfaction ratings from J.D. Power and financial stability ratings from AM Best.

Our overviews of these three leading companies can help you select the ideal provider for your needs.

MoneyGeek Top Pick

Travelers is our pick for the best non-owner car insurance company in New Jersey, thanks to its range of coverage options, financial stability and affordability.

Travelers offers a variety of discounts to help policyholders save even more on insurance costs, including discounts for bundling insurance policies, insuring multiple cars, maintaining a safe driving record and opting for paperless billing. Additionally, Travelers provides unique discounts for new vehicle owners, hybrid car drivers, loyal customers and homeowners.

Read the full Travelers review.


GEICO excels in delivering quality customer service at an affordable price point. However, it falls short in terms of managing claims and offers a limited selection of coverage options compared to other providers.

GEICO has a range of discounts that can help further lower your car insurance premiums, such as discounts for installing safety features like airbags, an anti-theft system, anti-lock brakes and daytime running lights in your vehicle. Bundling GEICO insurance products and maintaining a safe driving history can also earn you discounts.

Read the full GEICO review.

Third Place

Progressive offers a wide range of useful discounts and has strong ratings for claims management and financial stability. However, its customer satisfaction rating is average.

In terms of pricing, Progressive is generally considered moderate for most drivers, but it can be costly for young drivers. Nonetheless, discounts are available to make your auto policy more affordable. Progressive offers common discounts for multiple cars, good students, bundling, safe driving, pay-in-full and paperless options. It also provides unique discounts for continuous coverage and online quotes.

Read the full Progressive review.

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

Non-owner car insurance is a suitable choice for individuals who don't own a vehicle but frequently drive rented or borrowed cars or wish to maintain continuous insurance coverage. It can also be helpful in reinstating your driver's license if it has been suspended or revoked.

Who Should Consider Non-Owner Car Insurance?

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    Car borrowers

    Non-owner car insurance is a great option for individuals who regularly borrow vehicles from friends or family members. A non-owner car insurance policy provides liability coverage if you get into an accident in the borrowed car. It's also a cost-effective alternative to purchasing a full coverage auto insurance policy.

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    Occasional renters

    Non-owner car insurance can also be useful for individuals who frequently rent cars as it provides third-party property damage and bodily injury liability coverage if they are responsible for an accident in the rental car.

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    Drivers between cars

    When there is a gap in your coverage history, insurance companies tend to charge higher premiums. If you have recently sold your vehicle or anticipate a prolonged period without driving, opting for non-owner car insurance can be a cost-effective solution to avoid increased insurance costs when you are ready to get regular coverage again.

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    License reinstatement seekers

    Individuals seeking to restore their driving privileges after a license suspension or revocation may need to obtain non-owner car insurance and submit an SR-22 form to prove that they are complying with the state-mandated insurance requirements.

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Be wary of providers promoting "one-day insurance." This is not a real insurance product and may be a scam. For short-term coverage needs, consider purchasing insurance directly from the rental car company. There are also several other options for obtaining temporary car insurance in New Jersey to ensure that you have the necessary coverage for your specific timeframe.

Frequently Asked Questions About Non-Owner Car Insurance in New Jersey

We responded to some frequently asked questions about non-owner car insurance in New Jersey to help you learn more about the topic.

About Mark Fitzpatrick

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Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.