Non-owner car insurance provides liability coverage for individuals who don't own a vehicle but still drive often. If you are at fault in an accident while driving a borrowed, rented or shared vehicle, the non-owner car insurance policy will cover third-party bodily injury and property damage.
Non-owner car insurance can also be useful if your driver's license is suspended due to driving violations and you need to prove that you have the minimum mandated insurance coverage.
In New York, Kemper offers the cheapest non-owner car insurance for both drivers with a clean record and those with violations. Meanwhile, GEICO offers the best policies overall, balancing service quality and affordability.
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Cheapest Non-Owner Car Insurance in New York
The cheapest company for non-owner auto insurance in New York is:
- Drivers with a clean record: Kemper ($37 per month)
- Drivers with violations: Kemper ($51 per month)
While Kemper offers the most affordable non-owner auto insurance for both types of drivers, those with violations can expect to pay up to $14 more per month for coverage than those with clean records.
Cheapest Non-Owner Car Insurance With a Clean Driving Record in New York
The two cheapest companies for non-owner car insurance in New York, if you have a clean driving record, are:
If you have a military background, USAA is one of the cheapest providers for non-owner car insurance at $58 per month.
In New York, the cheapest non-owner car insurance costs an average of $37 per month, which is slightly lower than the national average of $43 per month.
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New York minimum car insurance requirements for both standard car insurance and non-owner car insurance are as follows:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $10,000 for property damage liability
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
Minimum coverage satisfies the state's legal requirements but may not provide adequate coverage for all drivers. It is important to understand how much car insurance coverage you need based on your profile and needs.
Cheapest Non-Owner SR-22 Car Insurance in New York
The cheapest non-owner SR-22 car insurance in New York is offered by the following companies:
USAA is among the cheapest providers for non-owner auto insurance in New York if you have a violation, with an average rate of $64 per month, but eligibility is limited to individuals with a military background and their families.
Serious violations like a DUI or an at-fault accident may require you to file an SR-22. Violations that require an SR-22 typically result in higher car insurance premiums since insurers will consider you a high-risk driver.
The cheapest non-owner SR-22 insurance in New York costs $51 per month, which is slightly below the national average of $59 per month.
SR-22 is not a type of insurance but rather a certificate of financial responsibility that you are required to file in many states following serious violations. SR-22 serves as proof that you have obtained the necessary car insurance coverage to meet the state's minimum liability requirements.
SR-22 is not required in New York, but you may need to file it if you commit a violation in a state that requires it. Drivers with violations in New York can still expect to pay more for car insurance as they are considered high risk.
What Is Non-Owner Car Insurance?
Non-owner car insurance is a type of liability-only auto insurance that provides coverage for people who do not own vehicles but drive rentals, rideshares or borrowed cars.
Non-owner car insurance in New York covers property damage and bodily injury caused to others in an at-fault accident. However, it does not cover personal injuries and damages to the vehicle you are driving.
The table below illustrates the coverage offered by a non-owner car insurance policy versus a full coverage policy.
Personal injury protection
Rental car liability
Average Cost of Non-Owner Car Insurance in New York
The average cost of New York non-owner car insurance is $75 per month. This rate is considerably higher than the national average of $43 per month.
While location can be a factor in the cost of car insurance, other factors like driver age, vehicle make and model and coverage level have a more substantial impact on premiums.
Non-Owner Car Insurance Cost Comparison: National vs. State
This is 74% more expensive.
Best Non-Owner Car Insurance in New York
The best companies in New York for non-owner car insurance are:
- GEICO: MoneyGeek score 64 out of 100 ($60 per month)
- Progressive: MoneyGeek score 63 out of 100 ($64 per month)
- State Farm: MoneyGeek score 52 out of 100 ($99 per month)
MoneyGeek ranked the best insurers based on a comprehensive rating system that considers J.D. Power customer satisfaction ratings, AM Best financial stability ratings and affordability.
We reviewed the top providers in New York to help you find the best non-owner car insurance.
GEICO is our top pick for the best non-owner car insurance in New York. Although it's not the cheapest company overall, GEICO offers a great balance of affordability and customer service and offers many discounts that policyholders can take advantage of.
GEICO also offers standard coverages and add-ons such as roadside assistance and rental car or travel reimbursement, as well as unique options like mechanical breakdown insurance, which provides better coverage than a typical dealer-extended warranty.
Progressive is a top choice for non-owner car insurance, providing competitive rates and a wide range of coverage options. It offers discounts for bundling policies, insuring multiple cars and paying in full, making it easier to save on premiums.
Progressive offers standard coverages and a variety of add-ons to customize your policy, including deductible modification, roadside assistance and gap insurance. It also offers rarer options like custom parts coverage, giving you added protection for your vehicle.
State Farm boasts a large market share and a sound financial background, making it a solid choice for non-owner car insurance. Although its rates are moderate for most driver profiles, State Farm offers various discounts, including bundling, anti-theft system and defensive driving discounts.
State Farm offers standard add-ons like roadside assistance and rental car or travel reimbursement. However, it does not have many unique coverage options.
Should You Get Non-Owner Car Insurance in New York?
Non-owner car insurance is a good option for individuals who frequently drive but do not own a vehicle. It offers liability coverage to meet the minimum car insurance requirements for legal driving. The following driver profiles can benefit from this type of policy:
Who Should Consider Non-Owner Car Insurance?
If you regularly borrow cars, non-owner car insurance offers liability coverage for third-party injuries or property damage that you may cause in an at-fault accident. The coverage can give you peace of mind and financial protection when driving vehicles that you don't own.
If you rent cars often, a non-owner car insurance policy is a cost-effective solution for obtaining liability protection in the event of third-party injuries or property damage. Non-owner car insurance is typically more affordable than standard insurance, making it a suitable choice for occasional drivers.
Drivers between cars
If you are in between cars, a non-owner car insurance policy can help you avoid gaps in coverage. Insurers often charge higher premiums when there is a lapse in your coverage history. By having a non-owner policy, you can maintain continuous liability coverage even when you don't own a vehicle, avoiding potential future rate increases.
License reinstatement seekers
If your license is revoked or suspended, proof of liability coverage may be required before you can have it reinstated. A non-owner car insurance policy can help you meet the necessary minimum liability coverage requirements so that you can regain your driving privileges.
Be wary of providers offering "one-day insurance." This is not a legitimate car insurance product in New York and may be an insurance scam.
If you require temporary car insurance for situations like a move or a road trip, we recommend purchasing rental car insurance directly from the car rental company.
Frequently Asked Questions About Non-Owner Car Insurance in New York
We answered some commonly asked questions about New York non-owner car insurance to help you learn more.
About Mark Fitzpatrick