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.
Cheapest Non-Owner Car Insurance Companies in New York
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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- CompanyAnnual PremiumMonthly Premium
- USAA$598$50
- GEICO$683$57
- Travelers$942$79
- State Farm$1,789$149
- Nationwide$1,815$151
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How Much Is Non-Owner Car Insurance in New York?
Across all companies in New York, the average cost of non-owner auto insurance is $2,084 per year, which is cheaper than the average cost of standard insurance at $2,354 per year.
There could be a significant difference in cost between non-owner and regular car insurance if you have a serious driving violation like a DUI on your record.
For drivers with a DUI, non-owner car insurance costs an average of $4,662 per year, while a standard policy costs $4,216 annually on average.
Cheapest DUI Non-Owner Car Insurance Companies 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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- CompanyAnnual PremiumMonthly Premium
- USAA$997$83
- Travelers$1,116$93
- GEICO$1,776$148
- State Farm$1,789$149
- Nationwide$1,815$151
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
What Is Non-Owner Car Insurance in New York?
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.
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
Who Should Get Non-Owner Car Insurance in New York?
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.
How to Get Non-Owner Car Insurance in New York
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
Company | Contact Number |
---|---|
USAA | 800-531-8722 |
GEICO | 800-207-7847 |
Travelers | 866-248-9970 |
State Farm | 800-782-8332 |
Nationwide | 877-669-6877 |
MetLife | 800-422-4272 |
Frequently Asked Questions About New York Non-Owner Car Insurance
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:
Methodology
Non-owner car insurance quotes were collected from insurers across New York in collaboration with Quadrant Information Services. We collected quotes for a 40-year-old male driver with a safe driving record and a DUI.
All policies met the minimum coverage requirements in New York except for liability insurance. These policies have the following coverages:
- $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 data used for traditional car insurance policies had the same limits.