Non-owner car insurance in Alabama: Best and cheapest companies

Cheapest non-owner car insurance companies in Alabama

The cheapest non-owner car insurer in Alabama is Auto-Owners, with rates averaging $63. The second cheapest Alabama non-owner insurer is Travelers. Average rates are $314.

Compare the cheapest non-owner car insurance companies in Alabama below.

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

Data updated in 2024

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Best non-owner car insurance in Alabama

Although Auto-Owners came out on top, Country Financial and Travelers are also excellent choices for providing 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.

The table below compares the top 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

Data updated in 2024

Read our methodology

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++.

Non-owner car insurance in Alabama by age and gender

Your age and gender can impact your rates, whether you're shopping for non-owner or standard car insurance in Alabama.

Age plays an important role in calculating car insurance rates. Younger drivers have less experience and are more likely to have accidents, so insurance companies charge higher rates to cover the risk.

Gender is another factor that affects car insurance rates in most states. Men are often considered higher-risk drivers and tend to have more accidents, resulting in higher premiums.

Here are the average Alabama non-owner car insurance rates by 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

Data updated in 2024

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Average annual rates for 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	Traditional state minimum policy	State minimum car insurance limits
$380	$433	25/50/25

Data updated in 2024

Read our methodology

Average cost of non-owner car insurance in Alabama

The average cost of non-owner car insurance in Alabama is $380, but your rate may differ depending on your driving record, age and the coverage you choose.

The bottom line: Non-owner car insurance in Alabama

Drivers in Alabama may need non-owner car insurance if they frequently rent or borrow a car. This coverage only includes liability protection, which pays for property damage or injuries you cause to others. It doesn't cover you or the car you're driving.

Non-owner car insurance in Alabama costs an average of $380, with Auto-Owners offering the lowest rates. Our analysis found that Auto-Owners is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your insurance rates.

Shop around to find the best Alabama non-owner car insurance available. Use the tool above to compare non-owner insurers in your area.

Expert's Insight "Consumers may think it's only important to maintain insurance when they own a vehicle, without realizing that gaps in insurance coverage might disqualify them from the benefit of certain discounts. Some individuals will cancel their auto policy when they're between vehicles or simply don't have regular access to a vehicle. Demonstrating a history of continuous insurance coverage can not only help you qualify for future discounts but can also provide you protection and peace of mind in the event you are involved in an accident while driving, or even riding in, someone else's car. A non-owner policy is an inexpensive way to accomplish both," says Rick Kautzer, director of product management at Dairyland Insurance.

Methodology

Insurance.com analyzed non-owner car insurance companies in 2024 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++.