- Cheapest non-owner car insurance companies in Colorado
- Best non-owner car insurance in Colorado
- Insurance.com's top choices for non-owner car insurance
- Non-owner car insurance in Colorado by age and gender
- Average annual rates for non-owner vs. traditional car insurance
- Average cost of non-owner car insurance in Colorado
- The bottom line: Non-owner car insurance in Colorado
- Methodology
- Compare Colorado non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in Colorado
The cheapest non-owner car insurer in Colorado is Auto-Owners, with rates averaging $63. The second cheapest Colorado non-owner insurer is Geico. Average rates are $145.
Compare the cheapest non-owner car insurance companies in Colorado below.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Auto-Owners | $63 | $5 |
| Geico | $145 | $12 |
| State Farm | $240 | $20 |
| Kemper | $244 | $20 |
| Southern Farm Bureau | $349 | $29 |
| Acuity Insurance | $394 | $33 |
| Progressive | $471 | $39 |
| Farmers | $529 | $44 |
| USAA | $126 | $11 |
Best non-owner car insurance in Colorado
While Auto-Owners is the top choice, Geico and State Farm are also great options for non-owner coverage.
To find the best non-owner car insurance companies in Colorado, 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 Colorado.
| Company | Average annual premium | J.D. Power | NAIC | AM Best | Overall score |
|---|---|---|---|---|---|
| Auto-Owners | $63 | 808 | 0.50 | A++ | 4.26 |
| Geico | $145 | 801 | 0.91 | A++ | 3.83 |
| State Farm | $240 | 783 | 0.70 | A++ | 3.71 |
| Progressive | $471 | 828 | 0.65 | A+ | 3.10 |
| Farmers | $529 | 835 | 0.80 | A | 2.87 |
| Kemper Insurance | $244 | 736 | 2.16 | A- | 2.09 |
Insurance.com's top choices for non-owner car insurance
Take a closer look at our top picks for non-owner car insurance in Colorado.
Auto-Owners
Our number one pick for non-owner car insurance in Colorado 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.
Geico
Geico is another great option for non-owner car insurance in Colorado, with average rates of $145 per year. It has an AM Best rating of A++ and a low NAIC complaint ratio of 0.91.
State Farm
Our third pick is State Farm. State Farm rates average $240. Its NAIC complaint ratio is 0.7, and it has a rating of A++.
Non-owner car insurance in Colorado by age and gender
Whether you're looking for non-owner or standard car insurance, age and gender affect your rates in Colorado.
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 Colorado rates for non-owner car insurance based on age and gender.
| Age group | Female | Male |
|---|---|---|
| Teens (16-19) | $525 | $491 |
| Young Adults (20-24) | $368 | $356 |
| Adults (25-60) | $282 | $285 |
| Seniors (65-75) | $310 | $305 |
Average annual rates for 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 Colorado 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.
Insurance companies assume that people without a car drive less often, and because non-owner car insurance works as a backup 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 | $282 |
| Traditional state minimum policy | $437 |
| State minimum car insurance limits | 25/50/15 |
Average cost of non-owner car insurance in Colorado
The average cost of non-owner car insurance in Colorado is $282, but your rate may differ depending on your driving record, age and the coverage you choose.
The bottom line: Non-owner car insurance in Colorado
Colorado 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 $282 in Colorado, 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.
Shop around to find the best Colorado 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++.
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