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

The average cost of non-owner car insurance in Texas is $571 per year, but this rate varies depending on the company. State Farm, the cheapest widely available option, costs an average of $359 per year. If you are looking for cheap non-owner car insurance in Texas, read our comprehensive guide to find the best options.

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Last Updated: 3/5/2022
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If you don’t own a vehicle but regularly drive rentals or shared cars, a non-owner car insurance policy will protect you from losses in case of an accident. Non-owner car insurance in Texas can also be used as proof of insurance when you need to get your license reinstated. The average cost of non-owner car insurance in Texas if you have a clean record is $571 per year, while those with violations such as DUIs will pay an average of $624 per year.

If you want to know how to get insurance without a car in Texas, MoneyGeek analyzed costs from different insurers to help you understand your options.

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Cheapest Non-Owner Car Insurance Companies in Texas

Compared to traditional car insurance, a non-owner policy costs significantly less. If you would like to find cheap non-owner car insurance in Texas, it is important to compare quotes from different insurers.

MoneyGeek found that the most affordable widely available non-owner car insurance companies in Texas are, on average:

  • State Farm: $359 per year
  • GEICO: $788 per year

USAA, which costs an average of $254 yearly, is the cheapest option in Texas, but its coverage is only available for military families. At $881 per year on average, Nationwide is the most expensive option for non-owner car insurance in Texas.

The rates in this analysis are for a 40-year-old driver with a non-owner car insurance policy in Texas with the limits detailed in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Texas

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $254
    $21
  • State Farm
    $359
    $30
  • GEICO
    $788
    $66
  • Nationwide
    $881
    $73
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How Much Is Non-Owner Car Insurance in Texas?

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The average cost of non-owner car insurance in Texas across all insurers is $571 per year. Compared to the average cost of traditional car insurance in Texas, $717 yearly, non-owner car insurance is roughly $146 cheaper on average.

A serious traffic violation like a DUI can significantly increase the cost of non-owner car insurance in Texas. If you have a DUI, you will pay an average of $624 for a non-owner policy, which is only $93 less than a traditional car insurance policy for a clean driver.

Cheapest SR-22 Non-Owner Car Insurance Companies in Texas

In states like Texas, you will need to file an SR-22 after a serious traffic violation such as a DUI. If you have an SR-22 in Texas, you will need proof of insurance to get your license reinstated. A non-owner insurance policy is the most affordable option.

If you have a DUI, the cheapest average widely available non-owner car insurance companies in Texas are:

  • State Farm: $359 per year
  • GEICO: $795 per year

Nationwide, at an average of $968 yearly, is the most expensive company for non-owner SR-22 car insurance in Texas if you have a DUI on your record.

Cheapest SR-22 Non-Owner Car Insurance Companies in Texas

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  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $359
    $30
  • USAA
    $375
    $31
  • GEICO
    $795
    $66
  • Nationwide
    $968
    $81
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What Is Non-Owner Car Insurance in Texas?

If you need car insurance but do not own a car, non-owner liability insurance is the most affordable option. A non-owner policy covers you for liability and other basic coverages required in the state of Texas.

Apart from the state’s car insurance requirements, you can also choose to include uninsured or underinsured motorist coverage in your non-owner policy to get more protection. However, it is important to note that a non-owner car insurance policy in Texas does not include comprehensive and collision insurance, also known as full coverage.

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To drive legally in Texas, your non-owner car insurance policy needs to meet the minimum requirements set by the state, which include:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Who Should Get Non-Owner Car Insurance in Texas?

In Texas, a non-owner car insurance policy will be the best option for you if:

  • You need insurance to get your license reinstated: If your license has been suspended following a violation, you will need proof of insurance to get it reinstated. In such cases, a non-owner insurance policy is the most affordable option since it costs less than traditional car insurance.
  • If you frequently rent cars or use car-sharing services: A non-owner car insurance policy protects you if you cause an accident while driving a rented or borrowed car. The liability insurance in the policy will pay for third-party injuries and property damage.
  • If 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 having your insurance coverage lapse, getting a non-owner policy is the cheapest option.

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

Non-owner car insurance may not be necessary in all cases. For instance, if you live in Houston and borrow a friend’s car, you will be covered under their insurance policy, so you do not need to get non-owner car insurance. It is also not necessary to purchase a non-owner policy in Texas if you use rentals occasionally. If you take vacations out of state once or twice a year, buying rental car insurance from the rental company may be sufficient.

How to Get Non-Owner Car Insurance in Texas

If you are looking for non-owner car insurance quotes in Texas, MoneyGeek confirmed that all companies on this page provide non-owner policies. However, it is not possible to get non-owner car insurance quotes online, so you will need to call for a quote. You can use the contact information provided below to contact non-owner car insurers in Texas.

Contact Non-Owner Car Insurance Companies in Texas
  • Company
    Contact Number
  • USAA
    800-531-8722
  • State Farm
    800-782-8332
  • GEICO
    800-207-7847
  • Nationwide
    877-669-6877

Frequently Asked Questions About Texas Non-Owner Car Insurance

Non-owner car insurance in Texas is not the same as traditional car insurance. If you would like to find out more about a non-owner policy, here are some answers to commonly asked questions.

Methodology

MoneyGeek collected non-owner car insurance quotes in collaboration with Quadrant Information Services across Texas. The policies in this study were for a 40-year-old driver, both with a safe driving record and with a DUI. Policies had Texas minimum car insurance requirements, except for liability insurance, for which the policies had:

  • $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.