- Cheapest non-owner car insurance companies in Alabama
- Best non-owner car insurance in Alabama
- Insurance.com's top choices for non-owner car insurance
- Average cost of non-owner car insurance in Alabama
- Non-owner car insurance in Alabama by age and gender
- Non-owner vs. traditional car insurance
- What does Alabama non-owner car insurance cover?
- The bottom line: Non-owner car insurance in Alabama
- Methodology
- Compare Alabama non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in Alabama
Auto-Owners is the cheapest non-owner car insurance in Alabama, with rates averaging $63. The second most affordable option in Alabama is Travelers, with an average rate of $314.
The table below shows the most affordable non-owner car insurance companies in Alabama.
Company | Average annual premium | Average monthly premium |
---|---|---|
Auto-Owners | $63 | $5 |
Travelers | $314 | $26 |
Country Financial | $357 | $30 |
GEICO | $399 | $33 |
Nationwide | $459 | $38 |
Progressive | $487 | $41 |
Farmers | $532 | $44 |
State Farm | $782 | $65 |
USAA | $150 | $13 |
Best non-owner car insurance in Alabama
While Auto-Owners is the top choice, Country Financial and Travelers are also great options for non-owner coverage.
To find the best non-owner car insurance companies in Alabama, we looked at several factors, including how many complaints each company receives, financial stability and average rates. We used rate data from Quadrant Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).
The table below shows a comparison of the best non-owner car insurance companies in Alabama.
Company | Average annual premium | J.D. Power | NAIC | AM Best | Overall score |
---|---|---|---|---|---|
Auto-Owners | $63 | 859 | 0.50 | A++ | 3.85 |
Country Financial | $357 | 828 | 0.34 | A+ | 3.34 |
Travelers | $314 | 851 | 0.49 | A++ | 3.10 |
GEICO | $399 | 847 | 0.91 | A++ | 2.83 |
Nationwide | $459 | 818 | 0.64 | A+ | 2.65 |
Progressive | $487 | 828 | 0.65 | A+ | 2.63 |
State Farm | $782 | 807 | 0.70 | A++ | 2.51 |
Farmers | $532 | 857 | 0.80 | A | 2.46 |
Insurance.com's top choices for non-owner car insurance
Take a closer look at our top picks for non-owner car insurance in Alabama.
Auto-Owners
Auto-Owners is our top choice for non-owner car insurance in Alabama. Its average annual non-owner car insurance cost is $63. Auto-Owners has an AM Best score of A++ and a low NAIC complaint ratio of 0.5.
Country Financial
Another excellent choice for non-owner car insurance in Alabama is Country Financial. Average rates are $357 annually. Country Financial has an AM Best rating of A+ and an NAIC complaint ratio of 0.34.
Travelers
Our third choice is Travelers, with an average rate of $314. It has an NAIC complaint ratio of 0.49 and an AM Best rating of A++.
PEOPLE ASK:
Do I need Alabama non-owner car insurance to drive a friend's car?
Probably not, unless you drive it frequently. Occasional use of a friend's car is covered by their insurance as permissive use, usually as long as it's less than 12 times a year. Still, it's always best to check with your friend's insurance company.
Average cost of non-owner car insurance in Alabama
The average cost of non-owner car insurance in Alabama is $380, but rates may vary based on factors such as your driving record, age, and coverage level.
Non-owner car insurance in Alabama by age and gender
Whether you're looking for non-owner or standard car insurance, age and gender affect your rates in Alabama.
Age is one of the most important factors that impacts car insurance rates. Younger drivers lack experience and are more likely to be in accidents. That means car insurance companies charge higher rates to offset claims.
Gender also plays a part in determining car insurance rates in most states. Males tend to be riskier drivers and have more injuries, leading to higher premiums.
Below are the average Alabama rates for non-owner car insurance based on age and gender.
Age group | Female | Male |
---|---|---|
Teens (16-19) | $1,079 | $1,011 |
Young Adults (20-24) | $542 | $524 |
Adults (25-60) | $378 | $382 |
Seniors (65-75) | $422 | $396 |
Non-owner vs. traditional car insurance
Non-owner car insurance is typically cheaper than standard car insurance since coverage is minimal. Non-owner car insurance only includes liability coverage, while owner car insurance can include a lot more coverage.
For example, non-owner car insurance in Alabama doesn't pay for damages to the car you're driving or any injuries you sustain. Owner car insurance can include collision and comprehensive coverage to pay for vehicle damages.
Furthermore, because insurance companies anticipate that people who don't own a car will drive less frequently, and because non-owner car insurance is secondary to the owner's policy, the risk of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. is much lower.
The table below compares average annual rates for non-owner and owner car insurance.
Non-owners state minimum policy | $380 |
Traditional state minimum policy | $433 |
State minimum car insurance limits | 25/50/25 |
What does Alabama non-owner car insurance cover?
A Alabama non-owner car insurance policy only gives you the basic coverage you need to drive legally. It meets all the minimum car insurance requirements in Alabama. But it won't pay for any damage to the car itself.
Non-owner car insurance is secondary, so it will only apply after the car owner's policy limits are exceeded.
The bottom line: Non-owner car insurance in Alabama
Alabama drivers may need non-owner car insurance for various reasons, such as renting or borrowing a car. However, this type of coverage typically only offers liability coverage to pay for property damage or bodily injuries you cause to others. Coverage does not extend to you or the vehicle you're driving.
Non-owners car insurance averages $380 in Alabama, and Auto-Owners offers the lowest rates. In our analysis, Auto-Owners was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.
Take the time to compare options to find the best non-owner car insurance in Alabama. Use the tool above to easily compare non-owner insurance providers near you.
Methodology
Insurance.com analyzed non-owner car insurance companies in 2023 to find the cheapest and the best overall based on rates and third-party ratings.
Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on a 40-year-old driver with a clean record and good credit for a state minimum liability policy. These rates were one of the factors used to rank the best companies.
For additional data points in the ranking, customer complaints ratios were pulled from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume. Overall customer satisfaction ratings were drawn from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000. Finally, AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.
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