- 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
- Average cost of non-owner car insurance in Colorado
- Non-owner car insurance in Colorado by age and gender
- Non-owner vs. traditional car insurance
- What does Colorado non-owner car insurance cover?
- 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 insurance in Colorado is from Auto-Owners, with an average rate of $63. The second most affordable option in Colorado is GEICO, with an average rate of $145.
The table below shows the most affordable non-owner car insurance companies in Colorado.
| 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
Although Auto-Owners is the best overall choice, GEICO and State Farm are also excellent options for non-owner car insurance coverage.
To identify the best non-owner car insurance companies in Colorado, we considered several key factors, such as the number of customer complaints, financial strength, and average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates. Our analysis used rate data from Quadrant Information Services, along with third-party ratings from J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC).
The table below provides a comparison of the top 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
Auto-Owners is our top choice for non-owner car insurance in Colorado. 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.
GEICO
Another excellent choice for non-owner car insurance in Colorado is GEICO. Average rates are $145 annually. GEICO has an AM Best rating of A++ and an NAIC complaint ratio of 0.91.
State Farm
Our third choice is State Farm, with an average rate of $240. It has an NAIC complaint ratio of 0.7 and an AM Best 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 $282, but your rate may differ depending on your driving record, age and the coverage you choose.
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 |
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 Colorado 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 | $282 |
| Traditional state minimum policy | $437 |
| State minimum car insurance limits | 25/50/15 |
What does Colorado non-owner car insurance cover?
A Colorado non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Colorado, 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 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-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.
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 Colorado non-owners car insurance rates with other states
You might also be interested in- Colorado car insurance laws and requirements: What is changing in 2026
- Colorado DUI and insurance: How much does a DUI raise your insurance?
- Speeding ticket calculator in Colorado
- SR-22 insurance in Colorado
- Colorado gap insurance: Everything you need to know
- Low-income car insurance in Colorado
- Colorado car insurance coverage calculator
- Colorado car insurance guide
- Cheapest car insurance for high-risk drivers in Colorado
- Cheapest home and auto insurance bundle in Colorado
