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Non-owner car insurance is a type of coverage designed for individuals who frequently drive vehicles they do not own. It provides financial protection if the driver gets into an accident or causes damage or injuries to others while driving a borrowed or rented car. For drivers with severe violations like DUIs, obtaining non-owner car insurance in Texas can also help meet legal requirements and reinstate their driver's license.

Based on MoneyGeek’s analysis, State Farm is the best and cheapest option for Texas non-owner car insurance, regardless of whether you have a clean record or a history of violations. However, the best provider for you will depend on your preferences and coverage needs.

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Cheapest Non-Owner Car Insurance in Texas

The most affordable Texas non-owner car insurance providers are as follows:

  • Drivers with clean records: State Farm ($32 per month)
  • Drivers with an at-fault accident: State Farm ($36 per month)

Compared to drivers with a clean record who choose the cheapest non-owner car insurance provider, those with violations can expect to pay an average of $4 more per month.

Cheapest Non-Owner Car Insurance With a Clean Driving Record in Texas

For Texas drivers with clean records, the cheapest non-owner car insurance options are as follows:

USAA offers the lowest rates for non-owner car insurance at $28 per month. However, USAA policies are exclusively available to military personnel and their families.

In Texas, the cheapest rate for non-owner car insurance is about $32 per month, which is slightly lower than the national average of $43 per month.

Cheapest Annual Premium
Cheapest Monthly Premium

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The minimum coverage requirements for non-owner car insurance in Texas are the same as the requirements for regular car insurance:

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

While these limits meet the legal requirement, you may need more coverage depending on your needs. We recommend estimating how much car insurance coverage you need before buying a policy.

Cheapest Non-Owner SR-22 Car Insurance in Texas

For Texas drivers with violations, you can find low-cost SR-22 coverage options from the following providers:

USAA is another affordable option for military community members, with an average monthly rate of $46.

If you have committed a driving offense like a DUI or driving without insurance, you may be obligated to file an SR-22, which can result in higher premiums. The cheapest non-owner SR-22 insurance in Texas is approximately $36 per month, which is significantly lower than the national average cost of $59 per month.

Cheapest Annual Premium
Cheapest Monthly Premium

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An SR-22 is not an insurance policy — it's a document that's filed with the state DMV to prove that you have the necessary minimum liability insurance coverage mandated by your state. Your insurance company submits this document on your behalf. If you have been convicted of a DUI or similar offense, you might need to file an SR-22 in Texas.

What Is Non-Owner Car Insurance?

Non-owner auto insurance in Texas offers liability coverage for property damage and bodily injury to others in case of an at-fault accident, but it doesn’t cover the cost of repairing or replacing the car you are driving.

This type of insurance is suitable for individuals who need to insure a car that they do not own. Non-owner car insurance policies generally have lower premiums compared to full coverage policies. The following table highlights the differences between non-owner and full coverage policies.

Policy Coverage
Full Coverage

Liability insurance

Medical payments

Personal injury protection

Uninsured/underinsured motorist

Rental car liability



Average Cost of Non-Owner Car Insurance in Texas

Texas non-owner car insurance costs an average of $48 per month, which is $5 more than the national average.

Although your location affects the cost of car insurance, other factors such as the make and model of your car and your driving history can have a bigger impact on rates.

Non-Owner Car Insurance Cost Comparison: National vs. State

National Average Cost

Monthly Premium

Texas Average Cost

Monthly Premium

On average, non-owner car insurance in Texas is:$5 more

This is 12% more expensive.

Best Non-Owner Car Insurance in Texas

Based on MoneyGeek's analysis, the top non-owner car insurance providers in Texas are:

  • State Farm: MoneyGeek score 74 out of 100 ($32 per month)
  • Foremost: MoneyGeek score 59 out of 100 ($58 per month)
  • Nationwide: MoneyGeek score 47 out of 100 ($58 per month)

MoneyGeek ranks providers based on factors including AM Best financial stability ratings, J.D. Power customer satisfaction ratings and overall affordability. The following overviews of our top-rated insurers can help you find the best fit.

Moneygeek Top Pick
State Farm

MoneyGeek ranks State Farm as the top auto insurer in Texas for non-owner auto insurance due to its excellent customer satisfaction track record, financial stability and available discounts.

State Farm offers popular auto insurance discounts such as bundling, defensive driving and airbag discounts. It also provides a discount on medical payments for drivers with cars manufactured in 1994 or later. Although the company doesn’t offer any unique coverage types, it offers affordable rates for most types of drivers.

Read the full State Farm car insurance review.


Our runner-up provider for non-owner car insurance in Texas, Foremost, offers several add-on coverage options in addition to common coverages, such as new car replacement, diminishing deductible and rideshare coverage.

Customers can enjoy various discounts, including discounts for going paperless, having multiple insurance policies (from Farmers, Bristol West or Foremost) and insuring several cars. However, Foremost doesn’t offer online quotes, so you’ll need to contact an agent in your area for a rate estimate.

Third Place

While Nationwide boasts an excellent financial stability rating and a low rate of customer complaints, it may not be the most affordable option for non-owner drivers in Texas.

However, it offers an automatic payment discount, which is uncommon among insurance companies. Nationwide also provides discounts for anti-theft systems, bundling policies and opting for paperless payments. In terms of coverages, the company offers accident forgiveness, gap insurance and deductible modification in addition to roadside assistance and rental car reimbursement.

Read the full Nationwide car insurance review.

Should You Get Non-Owner Car Insurance in Texas?

Non-owner car insurance in Texas is worth considering if you frequently drive cars you don't own or need to reinstate your license. If you fit any of the following profiles, this type of insurance policy may be a good option for you.

Who Should Consider Non-Owner Car Insurance?

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    Car borrowers

    If you frequently borrow cars from friends or family members, opting for non-owner car insurance can be a wise decision. This type of policy provides liability coverage while driving borrowed or rented vehicles, providing financial protection against third-party injuries and damages.

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    Occasional renters

    If you rent cars often, it can be more cost-effective to have your own non-owner policy instead of repeatedly paying for insurance offered by rental car companies.

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    Drivers between cars

    Non-owner car insurance allows you to maintain continuous coverage during the transition period between selling and buying a new car. Maintaining coverage can help you get better rates when you go back to standard insurance than you would if you had a gap in coverage.

  • driverLicense icon

    License reinstatement seekers

    If you've been convicted of a DUI or other major driving violation and need your license reinstated, you may need to file an SR-22. If you don't own a car, a non-owner SR-22 policy can help you meet the requirements for your license reinstatement.

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Exercise caution if you encounter providers offering "one-day insurance" in Texas as it could potentially be a scam. This type of insurance does not exist in the state. If you require temporary coverage in Texas, it's safer to purchase insurance directly from the car rental company to ensure you're getting legitimate and reliable financial protection.

Frequently Asked Questions About Non-Owner Car Insurance in Texas

You'll find answers to commonly asked questions about non-owner auto insurance in Texas below.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.