Cheapest and Best Non-Owner Car Insurance in Rhode Island (2024)

Non-owner car insurance provides liability coverage for individuals who don't own a car but frequently drive rentals, rideshares or borrowed vehicles. It offers coverage for property damage and bodily injury caused to a third party in an at-fault accident but does not cover personal injuries or damages to the vehicle you are driving.

Non-owner car insurance can also be used to fulfill SR-22 requirements after a severe violation like a DUI. An SR-22 serves as proof of insurance, helping to get your license reinstated if it has been suspended or revoked.

MoneyGeek found that Travelers offers the best and cheapest non-owner car insurance in Rhode Island. Travelers is also the cheapest option for drivers with violations that require SR-22 insurance.

The most affordable company for non-owner auto insurance in Rhode Island is:

• Drivers with a clean record: Travelers ($52 per month)
• Drivers with violations: Travelers ($62 per month)

Travelers offers the cheapest non-owner auto insurance in Rhode Island for both drivers with clean records and those with violations. However, the average monthly rate for drivers with violations is $10 higher than the rate for those with clean records.

The most affordable non-owner car insurance for Rhode Island drivers with clean records is offered by:

• Travelers: $52 per month
• GEICO: $56 per month

USAA is the cheapest option for those with a military background at an average of $24 per month.

The average monthly cost of the cheapest company for Rhode Island non-owner car insurance is $52, which is more expensive than the national average of $43 per month.

The two top insurers for cheap non-owner SR-22 car insurance in Rhode Island are:

• Travelers: $62 per month
• GEICO: $63 per month

USAA, with an average rate of $24 monthly, is the cheapest insurer overall in Rhode Island for drivers with violations, but it is only available to those with a military background.

If you have serious violations like an at-fault accident or a DUI on your record, you may be required to file an SR-22 form, which can result in higher car insurance rates. The cheapest rate for non-owner SR-22 insurance in Rhode Island is $62 per month, which is slightly higher than the national average of $59 per month.

Non-owner car insurance is a type of insurance policy that provides liability coverage for individuals who do not own a car but drive frequently. It covers property damage and bodily injury caused to others in an at-fault accident.

Purchasing non-owner auto insurance in Rhode Island will help you meet the state's minimum car insurance requirements and protect you from financial liability in case of accidents. See the table below to compare the coverage variations between non-owner and standard car insurance.

The average monthly cost of Rhode Island non-owner car insurance is $61. Compared to the national average of $43 per month, rates in Rhode Island are significantly higher.

While location tends to influence the average cost of car insurance, other individual factors such as driver age, driving history and coverage level typically have a greater impact on premiums.

The top insurers in Rhode Island for non-owner car insurance are:

• Travelers: MoneyGeek score 63 out of 100 ($52 per month)
• GEICO: MoneyGeek score 60 out of 100 ($56 per month)
• Progressive: MoneyGeek score 57 out of 100 ($66 per month)

MoneyGeek utilizes a comprehensive ranking system that considers factors such as J.D. Power customer satisfaction ratings, AM Best financial stability ratings and affordability to determine the best auto insurance companies.

We reviewed the top three insurers in Rhode Island below to help you find the best provider for you.

Non-owner car insurance is a good option for those who do not own a car but frequently drive rental cars, rideshares or borrowed cars. It can also help fulfill insurance requirements if you need to get your license reinstated after a violation. Consider getting non-owner car insurance if your profile fits the following scenarios:

To learn more about non-owner auto insurance in Rhode Island, please refer to the frequently asked questions below.