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

Which companies offer the cheapest non-owner car insurance in Colorado?

The cheapest non-owner car insurance company in Colorado is Auto-Owners, with average annual rates of $141, followed by Southern Farm Bureau at $439. These insurers consistently offer the lowest liability-only premiums for drivers who don't own a vehicle.

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

Company	Average annual premium	Average monthly premium
Auto-Owners	$141	$12
Southern Farm Bureau	$439	$37
Progressive	$467	$39
State Farm	$483	$40
GEICO	$494	$41
Farmers	$697	$58
California Casualty	$764	$64
American National	$884	$74
USAA	$193	$16

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What are the best non-owner car insurance companies in Colorado?

The best non-owner car insurance companies in Colorado are Auto-Owners, State Farm, and GEICO, based on average rates, customer satisfaction, and complaint ratios. These insurers offer reliable, competitively priced 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.

The table below compares the top non-owner car insurance companies in Colorado.

Company	Average annual premium	J.D. Power	NAIC	A.M Best	Overall score
Auto-Owners	$141	654	0.44	A+	4.92
State Farm	$483	648	0.87	A+	3.91
GEICO	$494	624	0.60	A++	3.67
Progressive	$467	616	0.60	A+	3.48
Farmers	$697	623	1.24	A	2.72
USAA	$193	720	1.16	A++	4.45

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 Colorado

Auto-Owners

Our number one pick for non-owner car insurance in Colorado is Auto-Owners. The average rate for liability coverage is $141. Auto-Owners has an AM Best score of A+ and an NAIC complaint ratio of 0.44.

State Farm

Another excellent choice for non-owner car insurance in Colorado is State Farm. Average rates are $483 annually. State Farm has an AM Best rating of A+ and an NAIC complaint ratio of 0.87.

GEICO

Our third pick is GEICO. GEICO rates average $494. Its NAIC complaint ratio is 0.60, and it has a rating of A++.

PEOPLE ASK:

Do I need Colorado 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 Colorado

The average cost of non-owner car insurance in Colorado is $506 per year. Rates depend on several factors, including your driving record, age, ZIP code, and coverage limits. Drivers with clean records and continuous insurance coverage generally pay lower premiums than drivers with accidents, violations or insurance lapses.

The average cost of non-owner car insurance will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code

Non-owner car insurance in Colorado by age and gender

Younger drivers often pay more because they have less driving experience and higher accident rates. Rates often decrease after age 25 and stay lower through middle age.

How it works:

Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
Rates start to level out around the age of 25 and continue to drop
Drivers in their 50s pay the lowest average rates
After 65, rates increase, but not dramatically

Even in a state that bans the use of age and gender for car insurance rates, like Colorado, your years of driving experience will still impact what you pay.

Below are the average non-owner car insurance rates in Colorado by age and gender.

Age group	Male	Female
Teens (16-19)	$1,689	$1,573
Young Adults (20-24)	$710	$687
Adults (25-60)	$492	$514
Seniors (65-75)	$544	$517

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Do you need non-owner car insurance in Colorado?

You may need non-owner insurance in Colorado if you drive cars you do not own on a regular basis. This coverage can also help if you need proof of insurance to file an SR-22 after a license suspension.

You may need non-owner car insurance if:

You frequently drive cars owned by others and want an extra layer of protection
You frequently rent cars
You need insurance to file an SR-22 in order to reinstate your license
You want to prevent a lapse in coverage while in between cars

You don't need a non-owner policy if:

You own and insure your own vehicle
You only drive cars owned by others occasionally
You drive a company car for which insurance is provided by your employer

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.

Non-owner car insurance is cheaper because drivers without vehicles drive less often and file fewer claims. This coverage also acts as secondary insurance, meaning the car owner's policy pays first. Non-owner insurance may apply only after the vehicle owner's liability limits are exhausted.

The table below shows a comparison of average yearly rates for non-owner and standard car insurance.

Non-owners state minimum liability only	$506
Traditional state minimum policy	$651
State minimum car insurance limits	25/50/15

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What does Colorado non-owner car insurance cover?

Non-owner car insurance in Colorado covers liability claims when you cause an accident in a borrowed or rented vehicle and other state-required coverage. Liability coverage pays for injuries and property damage caused to others.

This coverage may include:

Bodily injury liability
Property damage liability

However, it does not cover:

Damage to the car you are driving
Theft or vandalism

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 Colorado

Drivers in Colorado might need non-owner car insurance for different situations, like renting or borrowing a vehicle. However, this coverage typically only includes liability protection to cover property damage or injuries you cause to others. It does not cover you personally or any damage to the car you're driving.

Non-owner car insurance in Colorado costs an average of $506, 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.

Be sure to compare your options to find the best non-owner car insurance in Colorado. You can use the tool above to quickly and easily compare non-owner insurance providers in your area.

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++.

FAQ: Non-owner car insurance in Colorado

Do I need non-owner insurance to drive a friend's car in Colorado?

No. If you are driving the car with permission, your friend's insurance will cover you. However, non-owner car insurance adds an extra layer of protection in case your friend's limits are exceeded.

Can I use non-owner insurance for Uber or delivery driving in Colorado?

No. Non-owner insurance does not cover business driving, including rideshare or delivery work. Drivers working for Uber, Lyft or food delivery apps need rideshare or commercial auto insurance.