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

Non-owner car insurance in New York is a great choice for drivers who frequently rent cars and use car-sharing services or need proof of insurance to get their license reinstated.

The average cost of non-owner car insurance in New York is $2,084 annually for drivers with a clean record. This could go up to an average of $4,662 a year for drivers with a serious driving violation, such as a DUI.

MoneyGeek researched the varying costs between insurers that offer non-owner car insurance in New York and explains when these policies should or should not be purchased.

TABLE OF CONTENTS

1. Cheapest Non-Owner Car Insurance
2. Cheapest Non-Owner SR-22 Car Insurance
3. What is Non-Owner Car Insurance
4. Who Should Get Non-Owner Car Insurance

Non-owner car insurance is cheaper than a standard policy. However, you can still save money by comparing prices between insurance companies.

In New York, the cheapest non-owner car insurance companies, on average, are:

• GEICO: $683 per year
• Travelers: $942 per year

At an average of $598 per year, USAA is the cheapest option for current and former military members and their families.

MetLife is the most expensive insurer in New York at an average of $6,679 per year.

These rates are for a 40-year-old driver with a non-owner car insurance policy in New York with the limits detailed in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in New York

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• Company
  Annual Premium
  Monthly Premium
• USAA
  $598
  $50
• GEICO
  $683
  $57
• Travelers
  $942
  $79
• State Farm
  $1,789
  $149
• Nationwide
  $1,815
  $151
• MetLife
  $6,679
  $557

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How Much Is Non-Owner Car Insurance in New York?

Non-owner car insurance could be the cheapest option for drivers in New York who need auto insurance but don’t have a car and have a history of driving violations, such as a DUI.

MoneyGeek found that, on average, the cheapest non-owner car insurance for drivers with serious driving violations in New York is offered by:

• Travelers: $1,116 per year
• GEICO: $1,176 per year

At an average of $997 per year, USAA is the cheapest option if you have a military background.

MetLife offers the most expensive non-owner car insurance in New York for drivers with violations, averaging $20,478 per year.

Cheapest DUI Non-Owner Car Insurance Companies in New York

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• Company
  Annual Premium
  Monthly Premium
• USAA
  $997
  $83
• Travelers
  $1,116
  $93
• GEICO
  $1,776
  $148
• State Farm
  $1,789
  $149
• Nationwide
  $1,815
  $151
• MetLife
  $20,478
  $1,707

Show more

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

COMPARE QUOTES

Non-owner car insurance, also called non-owner liability insurance, is the most affordable option for drivers who need car insurance but don’t own a car. It includes liability insurance and other basic insurance coverages required in New York.

Keep in mind that a non-owner car insurance policy does not include comprehensive and collision insurance, also known as full coverage.

MONEYGEEK EXPERT TIP

Non-owner car insurance policies in New York must meet the following minimum coverage requirements:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $50,000 liability for death per person
• $100,000 liability for death per accident
• $10,000 property damage liability per accident
• $25,000 uninsured motorist bodily injury coverage per person
• $50,000 uninsured motorist bodily injury coverage per accident
• $50,000 personal injury protection

A non-owner car insurance policy in New York could be the best option for you if:

• You need insurance to get your license reinstated: If you’ve had your license suspended, you will need proof of insurance to get it reinstated. A non-owner insurance policy could be the most affordable option for you.
• You frequently rent cars or use car-sharing services: A non-owner car insurance policy will protect you in the event of an accident while driving a rented or borrowed car. The policy’s liability insurance will pay for third-party injuries and property damage. It is cheaper than a rental car company’s insurance coverage if you frequently rent cars.
• You temporarily don’t have a car but want to maintain insurance coverage to avoid a lapse: If you currently do not own a car but want to avoid an insurance coverage lapse, getting a non-owner policy is the most affordable option. This can ensure your insurance rates don’t go up in the future due to a lapse in coverage.

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

Non-owner car insurance is not necessary in all cases. For instance, if you live in New York City and borrow a friend’s car with their permission, you will be covered by their insurance policy.

It is also not necessary to have non-owner auto insurance in New York if you only rent cars a couple of times a year because rental car insurance would be sufficient and more cost-effective in these situations.

MoneyGeek confirmed that all the companies on this page provide non-owner car insurance quotes. However, insurers do not usually offer these online. The best way to get quotes for non-owner car insurance in New York t is to call the insurers using the contact details provided below.

Contact Non-Owner Car Insurance Companies in New York

Non-owner car insurance has similarities to standard insurance, but there are also notable differences. To avoid confusion, here are answers to some of the most commonly asked questions about non-owner car insurance in New York: