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

The average cost of non-owner auto insurance in New York is $2,084 per year. GEICO provides the cheapest non-owner insurance in the state at an average of $683 annually. You can learn more about non-owner car insurance in New York and how it works with MoneyGeek’s comprehensive guide.

Compare Auto Insurance Rates

Insurance Rates

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

widget-location-pin
Last Updated: 12/3/2021
Advertising & Editorial Disclosure

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.

tip icon

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

Scroll for more

swipe icon
  • 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
Insurance Rates

Compare Auto Insurance Rates

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

widget-location-pin

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

0
0

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

Scroll for more

swipe icon
  • 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
Insurance Rates

Compare Auto Insurance Rates

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

widget-location-pin

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.

tip icon
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.