- 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
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.
| 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
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 |
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
Our number one pick for non-owner car insurance in Alabama is Auto-Owners. The average rate for liability coverage is $63. Auto-Owners has an AM Best score of A++ and an NAIC complaint ratio of 0.5.
Country Financial
Country Financial is another great option for non-owner car insurance in Alabama, with average rates of $357 per year. It has an AM Best rating of A+ and a low 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 use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.
Average cost of non-owner car insurance in Alabama
Non-owner car insurance in Alabama costs $380 on average. However, your actual rate may vary depending on factors like your driving history, age and the level of coverage you choose.
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 |
Non-owner vs. traditional car insurance
Non-owner car insurance costs less than standard car insurance because it provides minimal coverage. It only includes liability coverage, while standard auto insurance offers many additional types of coverage.
For example, non-owner car insurance in Alabama doesn't cover damage to the car you're driving or your injuries. Standard car insurance may include collision and comprehensive coverage to help pay for car repairs.
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 shows a comparison of average yearly rates for non-owner and standard 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 provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Alabama, but it won't cover any damage to the vehicle you're driving.
Non-owner car insurance is considered secondary coverage, meaning it only kicks in 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-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.
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
170+
insurance companies analyzed
34,000+
ZIP codes examined
$53M
insurance quotes analyzed
Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:
- A 40-year-old driver
- A clean record
- Good credit
- State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage
Best company rankings use the rate data outline above, as well as:
- Customer complaints ratios 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 from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
- AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.
Compare Alabama non-owners car insurance rates with other states
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