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

The average cost of non-owner car insurance in Rhode Island is $1,365 per year. The cheapest insurer in the state is GEICO, at an average of $627 annually. MoneyGeek’s comprehensive guide can help you learn more about how non-owner car insurance in Rhode Island works.

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Last Updated: 8/16/2022

If you regularly rent cars, use car-sharing services or need proof of insurance to get your license reinstated, non-owner car insurance in Rhode Island is a great option for you.

For drivers with a clean driving record, the average cost of non-owner car insurance in Rhode Island is $1,365. Drivers with serious driving violations such as a DUI may need to pay around $1,869 for a policy.

MoneyGeek shares the average costs of non-owner car insurance companies in Rhode Island and reveals when you should or shouldn’t get this kind of policy.

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Cheapest Non-Owner Car Insurance Companies in Rhode Island

Getting non-owner car insurance is less expensive than getting traditional car insurance. You can save even more by comparing quotes from various insurers.

MoneyGeek found that in Rhode Island, two of the cheapest and most widely available non-owner car insurance companies are, on average:

  • GEICO: $627 per year
  • Progressive: $740 per year

If you come from a military family and are looking for the cheapest alternative, USAA offers affordable policies that cost an average of $252 per year.

The most expensive policies can be purchased from Nationwide and cost an average of $2,240 per year.

Our findings are based on a 40-year-old with a non-owner car insurance policy in Rhode Island with limits specified in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Rhode Island

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $252
    $21
  • GEICO
    $627
    $52
  • Progressive
    $740
    $62
  • Travelers
    $1,093
    $91
  • MetLife
    $1,964
    $164
  • Nationwide
    $2,440
    $203
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How Much Is Non-Owner Car Insurance in Rhode Island?

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MoneyGeek found that the average cost of non-owner car insurance in Rhode Island is $1,365 per year, while a traditional car insurance policy costs about $1,120 on average.

Although non-owner car insurance is generally cheaper, states like Rhode Island may consider non-owners riskier to insure because they are more likely to drive a car that’s not theirs recklessly.

Serious driving violations like a DUI can further increase your premiums. On average, a regular policy with a DUI is $2,053 annually, while a non-owner insurance policy costs $1,869 per year.

Cheapest DUI Non-Owner Car Insurance Companies in Rhode Island

If you need to purchase insurance but you don’t own a car, and you have a history of driving violations, non-owner car insurance might be your best option.

On average, MoneyGeek found that the cheapest widely available non-owner car insurance in Rhode Island for drivers with a DUI record include the following:

  • Progressive: $980 per year
  • GEICO: $1,616 per year

If you have a military background, USAA has the cheapest rates for drivers with a DUI, averaging at $558 per year.

MetLife offers the most expensive policies in the state at an average of $3,298 per year.

Cheapest DUI Non-Owner Car Insurance Companies in Rhode Island

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $558
    $47
  • Progressive
    $980
    $82
  • GEICO
    $1,616
    $135
  • Travelers
    $1,754
    $146
  • Nationwide
    $2,440
    $203
  • MetLife
    $3,298
    $275
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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 Rhode Island?

Non-owner car insurance, also called non-owner liability insurance, is the best option for you if you don’t have a car but still need insurance coverage. It includes liability insurance plus other state-required insurance coverages. You can opt to add underinsured or uninsured motorist coverage as well.

However, non-owner car insurance does not have comprehensive and collision insurance, also known as full coverage.

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Non-owner car insurance should meet the following minimum coverage requirements in Rhode Island:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Who Should Get Non-Owner Car Insurance in Rhode Island?

Non-owner car insurance in Rhode Island is an excellent option if:

  • You need insurance to get their licenses reinstated: A non-owner car insurance in Rhode Island can be used as proof to get your license reinstated after a suspension, such as when you get a ticket or are caught driving under the influence.
  • You frequently rent a car or use a car-sharing service: If you get into an accident while driving a rental car, you can still be covered for third-party injuries and property damage with a non-owner car insurance policy. This coverage can be more affordable if you frequently rent cars.
  • You don’t have a car but want to maintain insurance coverage to avoid a lapse: A coverage lapse not only hurts your wallet since you have to pay for fines and property damages during an accident, but it also increases your premiums because insurance companies see you as a riskier driver. Non-owner car insurance coverage helps you avoid such lapses.

Who Shouldn’t Get Non-Owner Car Insurance in Rhode Island?

You don’t need non-owner car insurance in Rhode Island in certain situations. For example, if you live in Providence and a friend lets you borrow their car, you will be covered by their car insurance policy as long as you have their permission to drive their vehicle.

It is also not cost-effective to get this type of policy if you only rent cars or use car-sharing services occasionally. For instance, if you only rent a car once or twice a year, purchasing rental car insurance from the car rental company should be adequate and more affordable.

How to Get Non-Owner Car Insurance in Rhode Island

All the companies listed by MoneyGeek on this page provide non-owner car insurance quotes. However, since you can’t typically get a non-owner car insurance quote online, the best way to purchase a non-owner policy is to call the insurer directly and ask for a quote using the contact information below.

Contact Non-Owner Car Insurance Companies in Rhode Island
  • Company
    Contact Number
  • USAA
    800-531-8722
  • GEICO
    800-207-7847
  • Progressive
    888-671-4405
  • Travelers
    866-248-9970
  • MetLife
    800-422-4272
  • Nationwide
    877-669-6877

Frequently Asked Questions About Rhode Island Non-Owner Car Insurance

Non-owner car insurance is not the same as traditional car insurance and may leave drivers confused about how these policies vary. These are some of the most common questions about non-owner car insurance in Rhode Island.

Methodology

MoneyGeek collected information about non-owner car insurance in Rhode Island in collaboration with Quadrant Information Services. The policies described are for a 40-year old driver with a safe driving record and a 40-year old driver with a DUI. The policies presented have Rhode Island minimum car insurance requirements with the exception of liability insurance, for which the policies have:

  • $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 a traditional car insurance policy has the same limits.

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