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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.

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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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  • 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?

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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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  • 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
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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 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.

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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

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.