Compare Rates and Save on Auto Insurance


Non-owner car insurance is basic coverage for drivers without a car, ensuring liability protection when driving borrowed or rented vehicles. Whether utilizing car-sharing services, renting cars for travel or borrowing vehicles from acquaintances, this insurance provides financial peace of mind.

For drivers with severe violations such as a DUI, securing non-owner car insurance may satisfy your state's insurance requirements, facilitating the reinstatement of your driver's license.

In Wisconsin, Auto-Owners offers the cheapest and overall best non-owner car insurance policies with an average monthly premium of $20. It also provides the most affordable non-owner plans for drivers with violations on their records. MoneyGeek reviewed Wisconsin’s top insurers offering non-owner policies and their benefits for different driving profiles.

MoneyGeek Logo IconNon-OwnerCar InsuranceWisconsin

Table of Contents

Cheapest Non-Owner Car Insurance in Wisconsin

Auto-Owners offers Wisconsin’s cheapest non-owner car insurance policies for drivers with perfect records and drivers with violations.

  • Drivers with clean records: Auto-Owners ($20 per month)
  • Drivers with violations: Auto-Owners ($24 per month)

Drivers with traffic offenses on their records should expect to pay an average of $4 more monthly than drivers with clean records. Remember that insurance rates vary based on individual circumstances, so we recommend comparing quotes and considering your coverage needs before purchasing a policy.

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

Auto-Owners and GEICO provide the most affordable average non-owner car insurance policies for Wisconsin drivers with clean records.

  • Auto-Owners: $20 per month
  • GEICO: $20 per month

Meanwhile, USAA is highly recommended for military community members, offering the state’s cheapest average non-owner insurance rates at $14 monthly. Wisconsin’s cheapest non-owner insurance policies average $20 per month, well below the national average of $43 monthly.

Cheapest Annual Premium
Cheapest Monthly Premium

Auto-Owners Insurance Co






State Farm


















Insurance Rates

Compare Insurance Rates

Ensure you're getting the best rate for your insurance. Compare quotes from the top insurance companies.

carInsurance icon

Wisconsin’s minimum coverage requirements for car insurance, which also apply to non-owner car insurance, include the following limits:

  • $25,000 for bodily injury liability per person
  • $50,000 for bodily injury liability per accident
  • $10,000 for property damage liability per accident
  • $25,000 per person for bodily injury liability for uninsured/underinsured motorists
  • $50,000 per accident for bodily injury liability for uninsured/underinsured motorists

While minimum coverage policies are usually cheaper and provide the legally required coverage levels, some drivers may need more protection on the road. Understanding your coverage needs is essential before purchasing an insurance policy.

Cheapest Non-Owner SR-22 Car Insurance in Wisconsin

Auto-Owners and State Farm are Wisconsin’s cheapest providers of SR-22 car insurance for non-owners.

  • Auto-Owners: $24 per month
  • State Farm: $25 per month

USAA, a reputable insurer for military community members, also provides competitive average rates for SR-22 non-owner car insurance at $20 monthly.

Drivers with past traffic offenses, such as at-fault accidents or DUIs, may be obligated to file an SR-22. These violations on your driving record can result in more expensive insurance premiums. Luckily, the average rate of the cheapest companies for SR-22 non-owner car insurance in Wisconsin is $25 monthly, substantially lower than the national monthly average of $59.

Cheapest Annual Premium
Cheapest Monthly Premium

Auto-Owners Insurance Co



State Farm





















carAccident icon

An SR-22 is a form submitted by your insurer to confirm your compliance with state-mandated insurance coverage. Contrary to popular belief, “SR-22 car insurance” is not a policy type but a certificate demonstrating your financial responsibility.

In Wisconsin, drivers requiring an SR-22 filing without car ownership can consider non-owner car insurance. These policies offer liability coverage when driving borrowed or rented vehicles, fulfilling SR-22 requirements without vehicle ownership.

What Is Non-Owner Car Insurance?

Non-owner car insurance protects drivers who do not own a vehicle but require coverage while driving. It covers liability for bodily injury and property damage when operating borrowed or rented cars.

Wisconsin residents may consider exploring non-owner car insurance policies to ensure sufficient coverage when driving without owning a vehicle. Below is a table highlighting the variations in coverage between non-owner car insurance and a full coverage policy.

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 Wisconsin

The average monthly cost of non-owner car insurance in Wisconsin is around $30, significantly lower than the national average of $43 per month.

Various factors, including age, vehicle make and model, driving history and coverage limits, can substantially influence your car insurance premiums, surpassing the impact of location alone. When contemplating non-owner car insurance, it’s helpful to obtain quotes from multiple insurers to identify the most suitable coverage for you.

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

National Average Cost

Monthly Premium

Wisconsin Average Cost

Monthly Premium

On average, non-owner car insurance in Wisconsin is:$13 saved

This is 30% less expensive.

Best Non-Owner Car Insurance in Wisconsin

The top companies for non-owner car insurance in Wisconsin are:

  • Auto-Owners: MoneyGeek score of 76 out of 100 ($20 per month)
  • GEICO: MoneyGeek score of 71 out of 100 ($20 per month)
  • State Farm: MoneyGeek score of 69 out of 100 ($22 per month)

MoneyGeek assesses car insurance companies by evaluating company performance in critical areas, including J.D. Power’s customer satisfaction ratings, financial stability ratings from AM Best and relative policy affordability.

By exploring the highlights of each company below, you can make an informed decision when selecting your non-owner insurance provider in Wisconsin.

MoneyGeek Top Pick
Auto-Owners Insurance

Auto-Owners is our top provider for non-owner car insurance in Wisconsin. This company offers a comprehensive range of coverage options and competitive rates. It’s also known for its exceptional customer service and financial stability, making them a reliable insurer for Wisconsin drivers. However, this company does not provide online quotes, which makes comparing rates less convenient. It also doesn’t offer a few of the most beneficial coverage options, like accident forgiveness or deductible modification.

Read the full Auto-Owners car insurance review.


GEICO is another excellent option for non-owner car insurance in Wisconsin. This provider offers affordable rates and a user-friendly online experience. Consumers can access even cheaper rates with some of the company’s various discounts, including defensive driving discounts, good student discounts and more. However, GEICO receives more customer complaints than its competitors and lacks valuable coverage options such as new car replacement.

Read the full GEICO car insurance review.

Third Place
State Farm

State Farm is our third pick for Wisconsin’s best non-owner car insurance provider. This company expertly combines affordability with quality coverage. It’s known for its reliable claims management and comprehensive policy options. Despite offering several valuable discounts rewarding safety and good grades for student drivers, the company lacks in its offerings of add-on coverages. Accident forgiveness, new car replacement and gap insurance are just a few examples of the options this insurer does not provide.

Read the full State Farm car insurance review.

Should You Get Non-Owner Car Insurance in Wisconsin?

Non-owner car insurance in Wisconsin can be a valuable option for consumers who do not own a vehicle but still drive. It can protect drivers who frequently rent or borrow cars from others. Non-owner car insurance provides coverage and peace of mind in situations not covered by standard car insurance.

We examined the types of drivers who may benefit most from a non-owner car insurance policy in Wisconsin.

Who Should Consider Non-Owner Car Insurance?

  • carColored icon

    Car borrowers

    Drivers who frequently rely on borrowing cars from acquaintances can benefit from non-owner car insurance in Wisconsin. These policies provide liability coverage and may protect the vehicle’s owner and the borrower from financial strain after an accident.

  • ignition icon

    Occasional renters

    Drivers who occasionally rent cars can find value in non-owner car insurance. It provides an extra layer of protection beyond the rental car company's coverage. Enjoy added peace of mind and avoid potential financial burdens when renting a car for vacation or moving.

  • seatbelt icon

    Drivers between cars

    Non-owner car insurance ensures continuous insurance protection during transition periods or while awaiting a new vehicle purchase in Wisconsin. When you’re ready to purchase standard car insurance again, your history of uninterrupted coverage will likely result in lower premiums.

  • driverLicense icon

    License reinstatement seekers

    Non-owner car insurance in Wisconsin can help individuals seeking to reinstate their driver's license after a suspension or revocation. These policies may satisfy the requirements for an SR-22 filing after a severe traffic violation, demonstrating your financial responsibility and fulfilling insurance obligations for license reinstatement.

insurance2 icon

In Wisconsin, drivers should avoid providers offering “one-day insurance.” This product is unavailable in the state and may be an insurance scam.

We recommend securing car insurance directly from the car rental company to meet your temporary car insurance needs. Going through the renter ensures legitimate coverage and safeguards against potential fraudulent charges.

Frequently Asked Questions About Non-Owner Car Insurance in Wisconsin

Gain valuable insight into non-owner car insurance in Wisconsin by reading MoneyGeek’s answers to your most commonly asked questions.

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.