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

Non-owner car insurance in Wisconsin costs an average of $265 per year. MoneyGeek’s research shows that GEICO, at an average of $136 a year, is the cheapest option for non-owner car insurance in Wisconsin. Our guide can help you learn more about how non-owner insurance in Wisconsin works.

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Last Updated: 8/16/2022

Non-owner car insurance in Wisconsin is a good option for drivers who frequently rent cars, use car-sharing services, or need proof of insurance to get their license reinstated.

For drivers in Wisconsin with a clean record, the average cost of a non-owner policy is $265 per year. If you have a DUI on your record, this can increase to an average of $417 yearly.

MoneyGeek researched the costs of non-owner liability car insurance in Wisconsin and explained when you should and shouldn’t get this type of policy.

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Cheapest Non-Owner Car Insurance Companies in Wisconsin

Non-owner car insurance is typically cheaper than regular car insurance. However, rates can vary depending on the insurer, so shopping around will help you save money.

According to MoneyGeek’s research, the cheapest non-owner car insurance companies in Wisconsin on average are:

  • GEICO: $136 per year
  • Travelers: $301 per year

For drivers in Wisconsin with a military background, USAA, which costs an average of $106 yearly, is the cheapest option for non-owner car insurance.

Overall, Nationwide is the most expensive option in Wisconsin at an average of $404 annually.

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

Cheapest Non-Owner Car Insurance Companies in Wisconsin

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $106
    $9
  • GEICO
    $136
    $11
  • Travelers
    $301
    $25
  • State Farm
    $379
    $32
  • Nationwide
    $404
    $34
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How Much Is Non-Owner Car Insurance in Wisconsin?

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In Wisconsin, non-owner car insurance costs an average of $265 per year, almost half the cost of traditional car insurance at around $523 annually.

However, these rates can increase significantly if you have a significant violation on your driving record.

If you have a DUI on your record, you could pay an average of $417 yearly for a non-owner policy and $1,062 annually for traditional car insurance.

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

Non-owner car insurance could be the cheapest option if you don’t own a car, but you need to file an SR-22 to get your license reinstated. You might be required to file an SR-22 in Wisconsin after a serious violation, such as a DUI.

On average, the cheapest insurers or a non-owner car insurance policy in Wisconsin if you have a DUI are:

  • GEICO: $280 per year
  • State Farm: $379 per year

If you have a military background, the cheapest non-owner car insurance in Wisconsin for drivers with a DUI is USAA. These policies cost an average of $180 yearly. Nationwide has the most expensive non-owner SR-22 insurance at an average of $845 per year.

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

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $180
    $15
  • GEICO
    $280
    $23
  • State Farm
    $379
    $32
  • Travelers
    $403
    $34
  • Nationwide
    $845
    $70
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What Is Non-Owner Car Insurance in Wisconsin?

Non-owner car insurance is also known as non-owner liability insurance. It is a great option if you need insurance but don’t own a car.

This policy includes liability insurance and other coverages required by Wisconsin.

A non-owner policy does not include comprehensive and collision insurance, also called full coverage.

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In Wisconsin, non-owner car insurance needs to meet the following minimum coverage requirements:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident

Who Should Get Non-Owner Car Insurance in Wisconsin?

A non-owner car insurance policy in Wisconsin could be an excellent option for you if:

  • You need proof of insurance to get your license reinstated: A non-owner car insurance policy can be used as proof of insurance if you need to get your license reinstated after a driving violation. It is an affordable option if you don’t own a car.
  • You frequently rent cars or share cars: Repeatedly buying rental insurance can be costly if you rent cars frequently. Non-owner car insurance is a cheaper option for frequent renters and will provide adequate coverage in case of a vehicular accident.
  • You temporarily don’t have a car but want to maintain insurance coverage: Drivers who temporarily don’t own a vehicle can opt for a non-owner policy to avoid an insurance coverage lapse, which can often result in higher rates when you are ready to purchase a traditional policy again.

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

A non-owner car insurance policy is not always necessary in Wisconsin. For instance, if you live in Milwaukee and drive a friend’s car with their permission, you will be covered by their insurance policy.

A non-owner car insurance policy is also not necessary for people who only rent cars occasionally. If you only rent a car once or twice a year, rental insurance can be cheaper and provide sufficient coverage.

How to Get Non-Owner Car Insurance in Wisconsin

MoneyGeek confirmed that all the companies listed on this page provide non-owner car insurance in Wisconsin. However, these insurers typically do not offer online quotes for these types of policies. To get a quote or purchase a policy, it is best to contact the insurers directly using the contact details listed below.

Contact Non-Owner Car Insurance Companies in Wisconsin
  • Company
    Contact Number
  • USAA
    800-531-8722
  • GEICO
    800-207-7847
  • Travelers
    866-248-9970
  • State Farm
    800-782-8332
  • Nationwide
    877-669-6877

Frequently Asked Questions About Wisconsin Non-Owner Car Insurance

Non-owner car insurance is not the same as traditional car insurance. To help you better understand the differences, here are some answers to common questions about non-owner car insurance in Wisconsin.

Methodology

We collected non-owner car insurance quotes across Wisconsin in collaboration with Quadrant Information Services. The policies were for a 40-year-old driver both with a safe driving record and a DUI. The policies met Wisconsin’s minimum car insurance requirements except for liability insurance, which has the following coverage requirements:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

Data used for traditional car insurance policies had the same limits.